#PersonAlfinance

I have accumulated credit card debt $20k and the things that went on them are no longer an issue (medical, emergencies). I want to quickly re-build my emergency fund and savings (I put about .5 of my net take home into a Roth, and have PERS) so that this…

Any general advice for someone who is 40 years old, has prioritized saving over investing and is now in a comfortable financial position. Imagine that I have USD 50K to invest today how do I split my investments to grow steadily for the next decade.…

Hi everyone! For context, I was brought to collections by my old sorority for unpaid dues. Upon investigating the balance, I discovered 1700 of the 2000 balance was from error- they charged me dues/fees for the 2024/2025 school year even after I dropped…

I’m looking to purchase a brand new car and camper in the near future. Expecting the car to run around ~30k and the camper to run around ~20k. I have the cash to buy both outright.…

I have the following investments: Individual brokerage tod- Fidelity (Just a small account I dabble with) Roth IRA- Fidelity Wifes Roth IRA- Park Avenue Annuity- Park Avenue Brokerage tod managed account- Park Avenue Thinking of moving all my Park Avenue…

I'm cross posting this from r/DIYRetirement for more visibility. I would like some advice on the ideal time to perform Roth conversions. Husband (54) and I (almost 52) would love to retire when we are 60 (I would work for 2 more years after he's retired).…

Hello everyone I’m 22 M, just broke into my new career making some pretty good money, long story short, I’ve started to setup my retirement contributions ROTH Ira and 401k with employer match and personal investment account.…

I’ve been thinking about using some of the capital one rewards for higher cash back at various stores. I’ve thought about this Walmart one in particular but I genuinely can’t think of a good that isn’t excluded by these terms and conditions?…

34yo. If the market recovers to what it was before, I'd have about 450k between roth ira, traditional ira, govt TSP, and HSA. But, in terms of emergency fund, I barely have 30k (ideally would like to be at 45 or 60k), less than 5k in my main checking…

Hey all. I just recently came into 60k which is life saving money but my company gave it to me in a retirement account. It’s a traditional IRA with only .40% interest rate. Should I roll over to Roth IRA or withdrawal and put into savings?…

The small privately owned company I work for is buying out the employee owners at the end of the year. As part of this they offer to accelerate vesting of my RSUs.…

Looking for help deciding on healthcare for 2027. Would be covering myself and my daughter. I work for a large health network with a lot of changes to our insurance plans this year.…

First time home buyer. We qualify for a VA loan of 150k and we can put up a 200k down payment. That said, we really don’t want “the most house we can afford”. We really don’t have that much month to month. We found a property we like.…

I am 55 years old and am looking for information/resources for planning retirement as a never home owner. I live in Northeast USA and plan to retire here to keep my social network. No debt. No childeen, no spouse, no pension.…

I (31M) am an American serving in the US military and I have been stationed in the UK for several years. My contract is coming to an end in a few months and I have just secured a very lucrative job offer (£170k!) and the employer is offering to sponsor me…

I'm trying to figure out which plan will be most beneficial for me. I've always selected the PPO, but I am considering the HDHP. I understand the benefits of an HSA in general terms, but I'm struggling to do the math to figure out whether it's actually…

He is trying to get me to sign an IRA transfer for a fixed amount valued at time of divorce. My half has been sitting in his account for several years, and from what I understand I am entitled to the gains.…

​ I'm looking for some financial advice on what to do with approximately $100,000 sitting in an inherited/beneficiary 401(k) account through Merrill Lynch.…

During this year, I started a side hustle and created an LLC to operate under aside from my full-time job. It turns out I will have made about $110,000 by the end of the year from my side hustle.…

Hi there. One of my sisters and I have talked money over the years. A couple of months ago, I made the mistake of whining about paying IRMAA when I start taking Medicare soon.…