#RedditPersonalfinance

Can you repay an IRA withdrawal with a rollover from another distribution? If I make a withdraw from my IRA as an early distribution, can I repay the withdrawal from an ESOP distribution that is getting rolled over to the IRA?…

Hi all! Mid-20s F, just switched jobs and deciding between health plans. Plan details to follow, but some initial context: I am in CA which limits the tax advantage of an HSA :( My employer pays 99% of premiums, so the monthly cost is $5-$8 regardless of…

Hello, I have around €10,000 in capital losses that I can offset against capital gains in next year’s tax return or in the following two tax years. On the other hand, I hold shares in a fund that tracks the MSCI World and has an unrealized gain of 67.5%.…

As per the title I will be turning 18 in the next month. I currently have £5k in a junior 5% savings account with £2k in a current account and will be receiving a trust fund of ~£5k once 18.…

Still pretty new to homeownership (<2 years.) This is a great house and I plan to keep it, retire in it, leave it to my daughter, I have very little interest in selling unless I strictly need to.…

Hi, first time making a post. Looking to get some advice on what to pay off first. I have two credit cards with high balances and I’m soon to receive $9,400 from a savings account to help with my credit debt.…

Four Leaf Credit Union just opened up in NC and they are offering a 4.5% APY HYSA for new customers. Two catches: 1) there is no timeline on when the promotion will end 2) you need to provide a 7 day notice to withdraw funds from the account … I am…

I’ve put myself in a hole I never imagine. I have 2 vehicles with negative equity. A mortgage. And no savings. I used my savings trying to claw out of my negative equity to bring down my monthly debt to income.…

Hi! I have a Roth IRA I contribute to. I also have a 401k. The company doesn’t match, but they do contribute 9%. I contribute to both. Should I be contributing more to one over the other?…

I am in the first semester of a 3 year nurse practitioner program. The entire program will cost $90,000. I am unsure if I should pay for school out of pocket as I attend, or if I should take out student loans and apply for debt relief programs after I…

Hi everyone, I’ve had some life changes recently that have made me reconsider my health insurance options for next year and wanted to see if this community could help me make a decision.…

Hello! I gave birth a few months ago and my husband and I would like to set up a few accounts for our daughter. We are planning on opening a 52 account that we will contribute to over the next 18 years.…

I’m torn about how I want to handle my CC debt. Currently I have $5200 in savings and I earn about $1100 bi-weekly. One card has 0 interest with $3000 on it and the other has $8700 with interest (I’m not entirely sure of the interest rate).…

I am 32 and living paycheck to paycheck. It's incredibly embarrassing and stressful. So I HAVE to get my crap together. I currently have a debit checking account with a local bank that has branches in the surrounding states.…

I've been doing software for 35+ years and now at a point where it's difficult to find work, mainly because of my age (confirmed by several recruiters).…

My wife(28) and I(30) currently make roughly $116,000 after all deductions and minimal mortgage. We currently have roughly $65-70k in checking and bought our first home for $338k 6.25%(currently owe $309k). We are fortunately otherwise debt free.…

Hello. I'm in my mid 30s and have an okay job that allows me to contribute about 13-15% to my 401k. Unfortunately, I can't contribute more than that at the moment. In addition to that, I also contribute monthly to a robot advisor account.…

I am a woman in my early twenties and I am currently looking for an apartment. I make 3000 a month after taxes in Portland, OR and after all the costs this apartment would be about 1400 (this includes parking which is very expensive in the city).…

I have a HYSA with Ally that I currently have 3.25% APY with. I keep between 11k-14k in the account typically and plan to continue to grow it slowly, though won’t necessarily have monthly deposit.…

I’m a 24 year old final year healthcare student and I would say my finances were pretty in shape up until this year. I had around £35k saved / invested £5k of which was set aside as my emergency fund.…