Personal Finance

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....

Hello everyone,...

Hello everyone,...

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....

Home prices weakened month to month, according to Black Knight. While still gaining, which they usually do at this time of year, the gains fell below their 25-year average. This after significantly outdoing their historical averages from February through June. It’s a signal that a slowdown in prices may be underway again....

As the title says, should I be concerned? I get the impression this is just a bureaucratic change (company doesn’t want to deal with both salaried and hourly workers for timesheet reporting). But I’d like to make sure.

TL;DR: Credit union account rates low, I moved, and even though the app and co-op network are great, not sure if I should leave....

I am very lucky to have a chunk of disposable income every month. However, I want to invest and save most of it, because I recognize that disposable income can quickly disappear given the right circumstances....

Is there a general rule of thumb on student loan interest rates and whether or not it’s better to pay off ASAP vs invest in an index fund? Sold a lot of company stock from an ESPP and RSU program that happens to be the value of our household’s student loan debt that is just entering repayment after graduation. Can’t tell...

I wanted to start using a budgeting program to better organize my spending/ goals, and basically narrowed it down to 3 --YNAB, Actual and Quicken Simplifi....

Goal: the least amount of withholdings possible

Newliyish married, but the new reality is partner finished law school so going back to the DINK lifestyle. We live in NYC and are lucky to be in a rent regulated apartment. On one hand we realize it’s cheaper to stay there forever, but it’s not the most well maintained building the the amenities aren’t the best… Anyways,...

What are you invested in? Target date funds, ETFs, individual stocks? Do you think of your portfolio as aggressive, neutral, or conservative?...

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....

A buddy of mine told me about Wealthfront recently and they’re 5% money market account rates....

Intro...

Do you track your expenses monthly? Annually? Do you have an app or do you use an excel spreadsheet? Any suggested tools?...

I always see advice about which software to use and there’s always the advice that FreeTaxUSA is the best bang for your buck and does everything you need for when your taxes are “simple.” I’ve used and thought it was great for years. But as my career has grown and no longer filed as a single I’ve begun to question when...

One paycheck I earned only $77 and the govt withheld 9% of it....

… is it normal/legal for the state I work in to withhold state income tax from my paychecks?

I’ve read that if you have the money up front, investing it as a lump sum on January 1st will produce higher returns more often that investing on a monthly/weekly basis. Is there more to consider in 2024 with our current high interest rates?

Where all my cash hoarders at and where do you park your savings?...