### If you need help, please check the [PF Wiki](https://www.reddit.com/r/personalfinance/wiki/index) to see if your question might be answered there.
This thread is for personal finance questions, discussions, and sharing your success stories:
1. *Please make a top-level comment if you want to ask a question! Also, please don’t downvote “moronic” questions!* If you have not received your answer within 24 hours, please feel free to [start a discussion](http://old.reddit.com/r/personalfinance/submit?selftext=true).
2. *Make a top-level comment if you want to share something positive regarding your personal finances!*
**A big thank you to the many PFers who take time to answer other people’s questions!**
After doin’ some numbers, I think I’ll be able to pay off my student loans by EOY. Pretty fucking pog
I have a small side business where I consult. I’m saving 33% of the income from this in preparation for tax payments next year, but I’m not sure what I should do with it until then. Maybe it’s not worth worrying about, since it’ll cycle out later, but is there anything I can do with the idea that I’m using this money to pay taxes next year, but I want it to accrue at least something in the meantime? Maybe I’m just ignorant and there’s nothing I can do 🙂 haha
Anyone familiar with Sequence (getsequence.io)?
I recently came across this after seeing a similar product a couple years back… I believe it was Astra (astrafi.com), but it looks like Astra has since turned into more of a business service and less of a consumer product.
Just curious if anyone out there is using getsequence.io – the platform looks promising, it’s just hard to find out if they’re still actively developing.
I love the ability of automating transfers and deposits with if/else statements. Super powerful and could definitely save quite a bit of time for people.
If you are using it, please let me know your thoughts.
I’ve got a college checking account through Chase and plan on transferring it to Total Checking. As far as I know they are both the same. I plan on opening up a Charles Schwab though, since there’s no minimum balance required or monthly fees of that sort. My plan is to transfer to Total Checking and maintain a balance above 1.5k. This account will be used for emergency cash funds since I don’t shop or spend my money with cash (99.99% credit card). Chase College requires a minimum balance of 5k which is just absurd. What do you guys think?
My HSA investing account just got moved from TDA to Schwab. Any idea if I’m able to turn on cash sweep into Money Market Funds? I see some info about it but can’t find where to turn it on if it’s available.
Also any idea if they do fractional shares in HSAs? I see they offer it generally but haven’t been able to the few times I’ve tried.
What to do with extra $100k?
Plans for the money: just to grow. Not needed at this time. No plans to use for 5, 10, or 20 years.
Options:
1. 12-month CD at 5.76% and then reassess in 1 year
2. invest it all in VOO. Set and forget.
3. invest it all in Apple. Set and forget.
4. You tell me. I know there are a lot of things I could do…
I am 36 years old with low cost of living lifestyle in a high cost of living area. I live in the Bay Area, California.
– Current debt = $0
– Retirement: pension account: $200k
– Retirement: mix of IRAs: $200k. I expect my tax rate to lower after retirement.
– Existing investments: ETF and Stocks: $60k
– Current emergency fund: $25k
Money to put somewhere to grow: $100k
Just recently invested for the first time $4000
$3000 fidelity SP 500 (FXAIX)
$900 Fidelity semi conductors portfolio (FSELX)
$100 Apple
How did I do?
I goobered up and accidentally allowed my HSA deposits to exceed my maximum contributions. Today is payday and the deposit just hit. There is a “Excess Contribution and Deposit Correction Request Form” that I can fill out, but it says I should ‘consult a tax advisor before making a distribution/withdrawal to determine any possible tax implications.’
What makes more sense in the case of only a slight excess ($350) that just got deposited? Trying to get with a tax advisor, or just pulling the money out now before it has an opportunity to accrue any interest etc, and deal with tax impacts later?
I’m re-reading about umbrella insurance again, and was hoping someone could clarify for me: Do you need to get umbrella for both your auto and home insurances separately, or does an umbrella policy cover you if either one exceeds its liability coverage?
I am planning to invest about 10-20% of my portfolio in a really safe asset like CD for relatively long term.
Currently short term CDs are over 5%, and longer term ones are 4.75%+.
Since inflation is expected to drop to somewhere between 2-3% soon, I’m thinking of investing in a 5 year CD (longest available), since those rates won’t be available in another year probably. So a couple years from now 4.75% interest will look pretty good compared to 2-2.5% inflation.
Anything I’m missing with this idea? Thanks
Is there a transparent website that provided latest and greatest saving rates and cd rates?
Hi! Why would anyone put money they are trying to save up over time for a large purchase into a savings account versus a HYSA? Why does anyone put money in savings accounts over HYSAs ever? What am I missing?
TY!!
I posted three months ago and also two months ago cautiously optimistically about getting myself onto a serious budget for the first time in my life after unanticipated “life” circumstances forced me to move from a solid middle class lifestyle pretty unconcerned about basic needs, to a life where I need to quite literally count my pennies to make sure I am good (and I am good). I hit three (or four?) months this weekend and I am so insanely proud of myself for doing essentially a 180° from my carefree lifestyle to where I am at now. I am keeping track of my spending, sticking to my budgetary limits (not without growing pains), and–thanks to a recent work trip to a developing country–have a fresh perspective of gratitude for all that I do have, which still includes even a fun money envelope each month, on top of being able to afford *and access* fresh fruits and vegetables and clean meats at a store *of my choosing.* Some of us are so very fortunate, and I just want to be even more grateful for that now.
I’m a complete newb who had just opened a brokerage account wanting to gain money by buying bonds and CD. I found a 9-month corporate bond that has a YTM of 5.828
Santander UK plc 2.875% 06/18/2024
Coupon 2.875 06/18/2024 Price:97.92000 YTM 5.828 Accured interst: 1,565.280
Is this as good as it sound or is there any catch? If I buy $20,000 am I getting ~$874 after 9 months?
I inherited ~60k recently.
I currently owe 73k in student loans spread across 10 federal loans ranging from 3.15% to 6.55% (two of the loans are 6.55%).
I have an IDR application pending since loan repayments are resuming next month and this should come out to $188/month..I also work a job that makes me eligible for PSLF.
Additionally, I owe 25k on a car @ 2.99% and these payments are $434/month for the next five years.
I have zero CC debt. My monthly expenses are $2018 and this leaves me with $1800.
I am thinking of putting 25k of the 60k in a 17-month CD a local credit union is offering at 5.5% (25k is the minimum hence the amount).
Should I wipe out the higher interest student loans with some of the remaining inheritance? Or should I pay off my car and put the $434 into my HYSA each month? Getting rid of the 6.55% loans would come out to about $19k and probably lower my monthly student loan payments.
getting a bit of money put it in a HYSA or S&P 500?
I am 22F make about 60k annually.
I am currently in college and will finish my Bachelors in Jan 2025. I am hoping to purchase a house after graduation and have about 10k saved up for the down payment so far. I have a pension through my job but no 401k that I contribute to so I invest via a brokerage. I was awarded 50k settlement from my previous employer (25k take home after attorney fees). With my timeline of purchasing a house within the next two years would it be best to keep it a HYS or put some in the S&P500? or a combo of both. Any feedback is welcome!
**Type of Help**: Feedback on my current Portfolio allocation
I am basically a noob that decided to start investing for long term (20-30 years) as I want to make sure I have a stable future when I get older (I’m 25-35yo). The idea would be that when I’m 60+ all that I have invested can give me some stable monthly income (either through dividends or by selling what I have slowly), so that it can go together my pension plan.
My goal is to make a safe investment portfolio, which has low risk and good returns over a long time span; also I’d prefer to support ESG companies, whenever possible.
My knowledge mainly comes from reading other people’s posts, so please be nice, I am open to learn and improve!
Here is the breakdown of my investment portfolio.
**Overview**
Type | Percentage
—|—
ETF (Degiro) | 66%
Robo Advisor (sustainable) | 26%
Stocks | 8%
**Note**: Robo Advisor is an account where the allocation is done automatically for me. Mainly as a way to differentiate providers and have part of my portfolio managed for me automatically.
**ETFs Breadown**
Name | Percentage
—|—
WRD | 38%
IQQHI | 24%
VWCE | 17%
IMIE | 12%
IQQQ | 7%
SMH | 1%
**Note**: Someone recommended SMH, so I threw a bit in there too.
**Questions:**
Is the portfolio at least somewhat decent? I’d like to either have a confirmation that it’s not too bad (giving me some peace of mind) or what I should do to adjust the percentages appropriately. Preferably, I would stop buying certain ETFs instead of outright selling them now, as most of them are negative and that would mean a certain loss.
Thank you in advance 🙏
Any recommendations for a financial dashboard, ideally with these features:
* Has a web app (I want to be able to use it on Mac, PC, and on my iPhone)
* can link all bank accounts, credit cards, investments, 401k, etc. to pull in transactions automatically
* tracks spending, net worth, etc. over time
I’ve been looking at:
* MoneyWiz 2023 (iOS/MacOS only, no PC app and maybe no web app, $49.99/year)
* Copilot (also MacOS and iOS only, $95/year)
* Mint
* Empower (formerly Personal Capital)
* Simplifi by Quicken (iOS, Android, & web, $28.73/year)
I wouldn’t be opposed to self-hosting something either, but I don’t want to be manually entering transactions. I’m more interested in expense tracking than budgeting, so I don’t think YNAB is a good fit.
I’m in the middle of trying to better understand taxes in retirement, and I just want to check my understanding.
I’ve seen in a bunch of threads discussing Trad vs. Roth IRA’s/401k’s that some people like having both for what I’ll summarize as ‘wiggle room.’
Am I understanding correctly that the goal in this case is to, for example, withdraw $44,725 (the top of the 12% bracket) from a Trad account, and then withdraw from a Roth if necessary in order to stay out of the higher bracket? Is that oversimplified?
How bad is it to have money sitting in a regular (non-HYSA) savings account? I currently keep:
– $15k in regular savings
– $3k in checking for monthly needs
– $1k random CD I opened half a decade ago
– $5k in HSA ($2500 is invested, rest is non-investable)
– $45k in HYSA
– $3K in 401k from past employer
– $15k in Vanguard brokerage
– $30k in Roth IRA
– $12k in current 401k
I had my personal finance epiphany really late in life, so I know things are scattered/not optimized.
I’m working on catching up to milestones/goals, but any tips on what to move around in the meantime?
There is good chance that I will inherit about 1 million dollars within the next five years. I am 35 years old with relatively low expenses. Unfortunately I have a few disabilities (though I have never gone on Disability in any formal capacity) so I have never had much of a career, and so I want to know if this will be enough for me to retire on. I would like to continue working in some capacity, doing something I enjoy that probably will not pay very much. Otherwise I am trying to figure out if this will be enough for me to live off. I live in a medium size city in the Midwest. Other than a mortgage that is under $300k I have no other form of debt.
[deleted]
How much should I keep in my emergency fund?
People say it should be between 3-6 times my monthly expenses but the problem is that I don’t really have a monthly expense.
I’m 25 and make $5000 a month(after tax) I give my parents $800 a month to cover my rent, food, phone bill and utilities. $3000 goes into a trading account vti/schd and the rest goes to random this like wants. So if I go by the 6 times the monthly expense I would need $4800 in my savings account ( Currently have $5000 ) but that doesn’t feel right.
Any thoughts on how much I should have in my emergency fund?
I owe a credit card $2200 that has a 0% interest rate until next September. I know I could pay it off slowly and take advantage of the 0% rate, but I HATE having this debt hanging over my head. I have enough money in my HYSA to pay the whole thing off right now. My question is, can anyone tell me how much interest will I lose if I do this? My HYSA with Bask Bank has a 5% APY (compounded daily) and I’ll have the ability to slowly put the $2200 back in the account by the end of the year.
I bought a car I can’t afford how do I get out of it?
I got a promotion at work with a salary of 55k, and commission of about 4k a month but I was stupid and did not recognize the reality of how fickle the commission would be.
My car broke down so I bought a 20k nissan maxima with a 20% loan because my credit was bad. My payments are 537 Super yikes. I use the car to drive for work and I have put 6k miles on it in 3 months it is too nice of a car to be riding it this hard.
My credit is bad not because of debt. I’m debt free aside from the car but because I dont touch my credit cards I quit checking them. A $10 fee popped up on one i didn’t notice it, it tanked my credit from 760 to 619. Since handling this my credit is back to 650
I’d like to switch this car for one about half the cost and get out of this loan. While I can afford the loan i want to feel more secure in my finances and get a car I can run the miles up to 200k. How do I get out from this car?
Withdrawing from Marcus by Goldman Sachs savings account?
I initiated a transfer from my Marcus savings account to my Bank of America savings account. The withdrawal is completed on Marcus’s end, so I’m wondering how long it takes (or how long it took in you all’s case) for the money to reach your BOA account and become available. Any insight?
I initiated it today (Thursday early morning (1am)) and I’m hoping it shows up in my BOA account today or by end of day tomorrow!
Opening a HYSA for the first time, already have 10k saved up for this. Initially was looking for the highest APY, but then I realized that some places give their advertised highest APY only if you have a certain amount of money with them.
Before I go down a rabbithole of research — anyone know of a reputable HYSA with a high APY for 10k?
EDIT: Ally does not, they have equal APY for all balance tiers.
Any advice on how much of a percentage of my check I should be contributing to my 403k if I make $2000 after taxes biweekly? I am in a high CoL place (NYC), but I do typically have $1000-$1500 left over after all the bills and expenses have been paid for in a given month. I assumed I’d just go with the max percentage, but apparently I could contribute my whole check if I wanted to.
I’m a 37 yr old full-time working parent with twins on the way. Since the pandemic and becoming a parent, I’ve not given sufficient time/attention to investing/personal finance. I know I need to invest more, but don’t have the time or energy to look up stocks, research, stay on top of things, etc. I have a Schwab account and can barely understand everything there (for instance, I know that investing out of a Roth IRA is a good idea, so I opened a Roth IRA there and bought stocks – but why is it called a “Roth Contributory IRA”?).
What is a quicker/easier way to invest without having to do too much research? Just find an index fund and buy it (and should I make one large purchase or multiple over a period of time)? What changes would you make as far as what I’m saving/investing?
I want to invest the max amount of my Roth IRA contribution this year, is it best to spread out the purchase over the course of the year or make one large purchase at once?
I’d prefer to consult a financial planner and take the easy way out but as the Wiki states it’s likely not worth it for my scenario.
* $94,000 liquid
* $115,000 in individual stocks and an ETP (I don’t know how to balance my portfolio, I just bought things I thought would work and through kinda dumb luck made 40% on investments)
* $5900 Roth IRA trade (the Roth contributory IRA that I bought stocks with)
* $38,128 Roth 401k (target date funds through employer, stopped contributing to it because I thought I’d make more buying individual stocks)
* $14,000 Traditional IRA (used it to purchase stocks)
* $10,381 mutual funds (bought through my local credit union; assumed the fees were high and stopped contributing to it)
* only debt: $178,000 mortgage at 2.75%
TIA!
Hey guys, I am at a crossroads here. I made the mistake of switching from W2 to 1099 at my part time job, no increase. I work 30 hours a week and I have a full time job with benefits What is the best way to go about this? A friend advised I should open a personal 401K account to ease the cost for taxes next year.
I do have a roth IRA and 401k thru my other employer.
The other thing is, i MAY be able to switch back to W2 but i would need to confirm with HR first (i was told they could not earlier this year).
Any tips or tricks to save on a first time mortgage? All starting to blur together during the shopping process
Hello! I just had a few questions on how to optimize savings/investments, as I’m newly getting income. I have future purchases I’m planning for, such as a car, buying a house (in the far future), traveling, etc. And my current plan is to open a HYSA, but I’m wondering if it’s a good idea to open multiple for each purchase topic, or keep it at one only? I’m also planning on investing of course, but I’m not really planning on using it for purchases since it’s better to keep earning on that. Does anyone have suggestions? Thank you!
Hi! I’m just getting into personal finance. I have roughly $10,000 to put into a high yield savings account (I have other money invested, this is basically an emergency fund) and have been spiraling for a few days because there are just so many out there.
I’m targeting Western Alliance Bank since they have 5.20% which seems great, they are FDIC secured. I don’t need to access the money through an ATM, which I understand is a downside. Are there any red flags I’m missing here?
If there are any recommendations for HYSA I am all ears. I just don’t want to fall for a scam/trap due to lack of experience!
Will using my bank account to pay for my wife’s CC bills give her any problems like potentially triggering security?
Sometimes when I link my account, at least if it’s through logging in for instant verification (as opposed to entering your routing/account number for trial deposits), it seems to assume it must be the bank of the person associated with the credit card. And even in the latter where you enter routing/account number, language suggests you should be the bank account holder. It’s not against terms of service to pay from someone else’s bank account, right?
I recently received a fairly large chunk of cash as part of a life insurance payout upon the death of my grandparents, amounting to effectively my annual salary. I am looking to buy my first house here in about a year or so (I may be moving in a few months to a different state) and so I don’t want to invest the money in a traditional investment since I need the liquidity and the security of FDIC insurance. As such, I am interested in a high yield account to hold the money until I am ready to buy, and I’d like to try to not loose out as much to inflation as it will sitting in my Chase account.
I am happy to use an online bank, provided the liquidity (within a week or two) is there, and the FDIC insurance is available. I’d also need to be able to move money in and out from my Chase accounts fairly easily.
What recommendations do you all have in this sort of situation for an account? I was looking at the CIT account with 5.05%, but if there are other thoughts or higher yield I would be very interested! Thanks in advance all.
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百家樂是賭場中最古老且最受歡迎的博奕遊戲，無論是實體還是線上娛樂城都有其踪影。其簡單的規則和公平的遊戲機制吸引了大量玩家。不只如此，線上百家樂近年來更是受到玩家的喜愛，其優勢甚至超越了知名的實體賭場如澳門和拉斯維加斯。
百家樂入門介紹
百家樂(baccarat)是一款起源於義大利的撲克牌遊戲，其名稱在英文中是「零」的意思。從十五世紀開始在法國流行，到了十九世紀，這款遊戲在英國和法國都非常受歡迎。現今百家樂已成為全球各大賭場和娛樂城中的熱門遊戲。(來源: wiki百家樂 )
百家樂主要是玩家押注莊家或閒家勝出的遊戲。參與的人數沒有限制，不只坐在賭桌的玩家，旁邊站立的人也可以下注。
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娛樂城近年來成為了眾多遊戲愛好者的熱門去處。在這裡，人們可以體驗到豐富多彩的遊戲並有機會贏得豐厚的獎金，正是這種刺激與樂趣使得娛樂城在全球範圍內越來越受歡迎。
娛樂城的多元遊戲
娛樂城通常提供一系列的娛樂選項，從經典的賭博遊戲如老虎機、百家樂、撲克，到最新的電子遊戲、體育賭博和電競項目，應有盡有，讓每位遊客都能找到自己的最愛。
娛樂城的優惠活動
娛樂城常會提供各種吸引人的優惠活動，例如新玩家註冊獎勵、首存贈送、以及VIP會員專享的多項福利，吸引了大量玩家前來參與。這些優惠不僅讓玩家獲得更多遊戲時間，還提高了他們贏得大獎的機會。
娛樂城的便利性
許多娛樂城都提供在線遊戲平台，玩家不必離開舒適的家就能享受到各種遊戲的樂趣。高品質的視頻直播和專業的遊戲平台讓玩家仿佛置身於真實的賭場之中，體驗到了無與倫比的遊戲感受。
娛樂城的社交體驗
娛樂城不僅僅是遊戲的天堂，更是社交的舞台。玩家可以在此結交來自世界各地的朋友，一邊享受遊戲的樂趣，一邊進行輕鬆愉快的交流。而且，許多娛樂城還會定期舉辦各種社交活動和比賽，進一步加深玩家之間的聯繫和友誼。
娛樂城的創新發展
隨著科技的快速發展，娛樂城也在不斷進行創新。虛擬現實（VR）、區塊鏈技術等新科技的應用，使得娛樂城提供了更多先進、多元和個性化的遊戲體驗。例如，通過VR技術，玩家可以更加真實地感受到賭場的氛圍和環境，得到更加沉浸和刺激的遊戲體驗。
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