For four decades, patient savers able to grit their teeth through bubbles, crashes and geopolitical upheaval won the money game. But the formula of building a nest egg by rebalancing a standard mix of stocks and bonds isn’t going to work nearly as well as it has.
Comingle is an interesting idea that would act as a pseudo emergency fund to provide a stable week to week income for their users. It could act to stabilize your income if you have an irregular income or as an backup plan or insurance for when you lose a job or income source. It works by distributing the average of all their...
I have been contributing to a HSA the last couple years, and it’s been fine. My work contributes $1800 over the year and it hasn’t really been a problem at all....
In the US, if you make a lot, are covered by a work retirement account or you contribute to a Roth, you can’t deduct traditional ira contributions right?...
I’m almost 40 and according to the wisdom found everywhere on the internet, I don’t have enough saved for retirement. Which worries me because I’ve been saving for as long as I’ve had a proper job with access to a retirement vehicle. But also because the internet wisdom doesn’t make sense or sound feasible....
cross-posted from: sh.itjust.works/post/7528778...
I used to be big fans of Credit Karma and TrueBill but both have sold out to companies I really dislike (essentially the Intuit family of companies). I really dislike Intuit lobbying the US government to keep taxes complicated as well as their mediocre software....
My partner recently started a new job. Prior to her employment I had been paying into my employer personal supplemental insurance as well as spousal insurance. Now that my partner has employer provided and options for employer supplemental life insurance, what should we be looking at doing? Do I stop my spousal life insurance?...
First time poster! Outside of my retirement account provided by work, I’m just beginning to get brave enough to move other money around. I’m very late to the game and pretty scared of gambles....
As the title mentions, the company I work at is offering free shares when buying back some of the company’s shares, as well as a discount, depending on the amount of shares purchased....
As the title says I am trying to see where people stand on this. Obviously this is all personal preference. But that is what I am after....
Where all my cash hoarders at and where do you park your savings?...
So for our kids, who are still quite young, instead of opening an entire other savings account for them, we decided to do “virtual” savings accounts....
Me and my wife are in our 40s, and currently in good health. I get insurance through work, but it’s a high deductible plan. I have enough in my health savings account to cover the out of pocket maximum for a few years....
The average retirement age in the U.S. is 61, according to a 2022 Gallup survey. But the target age for retirement is 66.
I recently started giving plain text accounting a go. For a long time I did not do any accounting, as my income was high enough to get by perfectly fine, but recently I wanted to get a lot more control over my personal finance in order to easier achieve more long term financial goals....
Is it safe to treat stocks and ETFs in my brokerage account as savings and emergency funds as long as I have a significant number of lots with a Stop Loss or Stop Limit Order in place? My Savings Account technically doesn’t cover 3 months of expense, but combined with my brokerage account it does. Is it safe to be have 1 month...
How can I properly compare paying abroad with my own bank versus using Revolut for it?...
