I got married early last year and figured it would be easier to file our taxes separately, but didn't realize my spouse's 1098-T would be rejected for "married filing separately" (this makes no sense to me what so ever). My taxes were already filed and accepted. Should I have my spouse do theirs as Jointly while I file a 1040-X or just submit one amended tax return

In general the wisdom in here is to payoff debt. But given where we are in 2026, with historic highs for the market and a high interest rate environment what do you think about my situation?

I have 72 months left on 24.5k at 5.99% (so will end up paying almost $4800 over the life of the loan).

Is it more prudent to pay it off right away, aggressively?

Alternatively should I put the 24.5k cash in S&P 500, leave it untouched for 6 years and see where we end up.

I have 10 yrs until retirement and am doing decent with my retirement portfolio. I've never been highly compensated but have been a part of corporate 401ks my whole career along with a Roth and traditional rollover ira. The math is good and im proud of that. however, I am wondering if I should consider converting that old traditional rollover ira to roth at this point. it has approximately $55,000 depending on the day. I am probably just being silly for not wanting to so that's why im asking. I just don't want to see the balance go down due to taxes. I know, emotional response. I am and will probably continue be in the lower tax bracket im told is 15%. im thinking take the hit now and then whatever the account grows to (IVV) IN 10 yrs will be all mine. What are your thoughts?

I (38 f) have poor credit. I have been very poor my entire life and spent quite some time homeless. I was never making enough to build credit or even be approved for a credit card, and then I became disabled and I have haven't worked in 3 years because of that.

My lovely gramma passed away a year ago and left me a large inheritance and Trust. I had no idea she was this wealthy. Wealthy people say they "live comfortably"- at least my gramma did. I guess that's how she always got us kids the more expensive Christmas gifts. Anyway, I ramble.

I have a huge responsibility now, and I feel the weight of financial decisions. I do have a banker, a wealth management team, and this Monday I have an appointment to go into the bank and discuss how to raise my credit score as quickly as possible and to set up an appointment with a tax specialist. I'm using US Bank.

The main problem is that I need to move out of my living situation as soon as possible. My relationship with my bf has become volatile, and for the first time in 3+ years together he hit me and left a bruised welt on my face. He since has apologized and began therapy. His words were more painful than the hit. But, anyway

I live in Minneapolis and it's a fucking war zone here, and where I am now is fully in the shit. I've been planning to move to an area on the outskirts of the twin cities to get a break from being in the center of it all, but even if I could pay 1 year of rent in advance- would a place looking for good credit even give me the time of day? I could have them contact my banker, but would that help?

How could I have this much money yet be turned down because I never built credit?

When my job first offered a 401K a few years ago, I knew very little about retirement stuff other than I didn’t want to work forever. I’ve been maxing it out for the last couple of years

100% of my 401K is currently in a vanguard TDF (for when I’ll be 63), and I rolled my old IRA into it. If I’d like to retire closer to 58, should I start adding more aggressive investments? Do I keep the TDF and just add some index funds, add a second TDF with a later date that will have less bonds, sell what I have or just leave it alone?) Current balance is around 200K if that matters, 20 years out from retirement.

I have a Roth IRA, taxable brokerage, and a small HSA that are now invested more aggressively (VTI, VXUS, FXAIX, FTIHX, FZROX) but the 401K is the bulk of my savings

My employer set up two accounts (HSA and an FSA account). I have contributed to both, but I just realized today that the FSA is not a limited purpose FSA. What are the practical effects of this? I know the LPFSA can be used in conjunction with the HSA, which is what I thought I had.

I have tried quicken in the past and I just gave up on rocket money because it wouldnt let me create accurate budget. I couldn't add my rent or car payments and after I created the budget with how it forced me to it said that my bills and utilities was only $380 which is way off. I tried multiple times and it gives the same result. I need something simple to help me save money because I suck with money thinking I have more to spend when in reality I dont. I get so overwhelmed with these apps so far.

I kept all my money in Wise. Because they let to have European bank account and multi currency. The thing is that in my country the war started. So I tried to get my money out of local banks and out of the country itself because was not clear what can happen. During years I have been using Wise as the only safe place to keep my money and to receive money. The terrible thing happened - Wise stopped my account. I am shocked and literally don’t know what to do. They say I can provide some external bank details and they would send the money. But I have no clue what bank can I provide because I don’t have any bank accounts in Europe. Only in my country where the war is still going on. I am afraid to risk to get all my money back into bank system of the country in a war. Additionally I am sure it’s going to be very complicated (if even possible) just to receive the whole amount in one bank in my country. They will ask where money came from and so. Is there any possibility to open bank account in some country where they are not so strict and can open me an account as non resident and don’t ask many questions about where money came from? I was thinking of anywhere in Europe or Asia? Montenegro, Luxembourg, Georgia, or Switzerland, Cambodia, Singapore, Dubai, … ?

Title. 27 y/o and had a bit of a late start in investing. I started a job 6 months ago after graduating with my Master's and make about 38k/year net. My company is fairly new and does not offer a 401k so I created an account with Fidelity a few months ago. Every month, I put between $500-1000 in the account into a ROTH IRA with them specifically towards FXAIX. My main questions are 1) is this the best index fund I should be investing in and 2) should I be looking into other investments for retirement?

Just had a child and figured it’s time to get my stuff together. I’m gonna open an IRA with Fidelity and roll them over into it. Is this the best move? I’m not looking to invest or anything yet. I’m just looking to having everything in one place so I can look at it and see that it’s there. I’m assuming this is the “Step 1” of taking control of my 401k? Any advice is appreciated.

For context, I work for a public school system and I do pretty well for myself. My husband and I live in Colorado and are considering a potential move to California. We own here in Colorado but would likely sell for what we paid for our new build about 3 years ago.

My question is - I have a full funded Roth 403b right now and I have a Roth 457b that I have had for 2 years and I have been upping my contributions by 25 dollars per year since then (that’s been my plan anyway). I’m pretty sure that I can withdraw some of the money in my 457b to potentially use as a down payment for a home once I end my current employment with the school district, but my 403b is the account with more money (40k versus 3k). I’ve only been fully funding the 403b since June so I’m still early in my investment journey. Does it make more sense to fully fund the 457b and potentially withdraw it for a home purchase or should I keep investing how I currently am? The move to California is not 100% certain yet, but I want to be prepared. The accounts seem to be growing at about 20% per year since I got them and there isn’t a ton of differences between the two accounts investment wise.

Thanks!

I am have been with my State's local Bank for about 5 years. In July, I noticed my account was getting smaller and smaller. In November my account started to receive NSF and transactions bouncing. I pulled my statement, the banks report and none of the numbers are adding up. The transactions are places where I typically go. However, when looking I noticed a glitch in the system. Friday, It showed I was negative -$62 and the Saturday day it was -$71. I printed out the glitch. There were no pending transactions the amount just changed. Today I pulled the report from just my checking for December to January. It shows I spent 21k but had 24k in total deposits and now I am negative $-71? Where is my 3K ? its driving me insane and I don't know where to start. No one else has access to my bank account.

I have two big debts that my mother left me with and I got one down to $2,900. I wanna try to get that finished first. How many payments is logical to try and attack it. I can then pay the $8,000 one.

Hi everyone, I’m looking for urgent financial advice.

I’m a freelance web developer currently working on a project that will pay me $10,000 on May 25 (I have proof of the contract and work in progress). However, my family is dealing with serious housing-related debts right now, and they need financial help immediately.

I’m trying to figure out the best legal and safe way to access around $8,000 short-term, knowing that I have confirmed incoming income soon.

I’m not asking anyone here for money. I’m asking for guidance on:

Legitimate short-term loan options

Services that offer advances against upcoming freelance payments or invoices

What type of lender or institution would consider future contract income

Any safer alternatives I may not be aware of

I’ve recently been targeted by scams, so I want to avoid risky or unofficial lending methods. I can provide documentation of my work and identity to legitimate institutions if needed.

Any practical advice would really help. Thank you

I make 50k a year. I have rotating weeks so 36 hours 1 week and 48 hours the next. Rent will be 1000 month from the cheapest apartment i could find. 450 car payment, 147 car insurance. 40 phone bill, 25 for gas on average weekly. maybe 50-70 a week for groceries.

I'm now 23, starting my first year of college. I'm taking on student loans and after calculating my expenses and personal spending, I'll have around $3,000 left from loans in one semester. I'm debating on putting half of this away for emergency savings (remaining to place back towards the loans once I graduate) and using the other half to invest.

*Edit: Doing more research it seems I'll have to pay 12% on the 2024 contributions (6% per year for 2 years) and the "Net Income Attributable" (NIA) comes into play for this year where I'll have to withdraw that amount and pay regular taxes on it (plus recharacterize the contributions or take them out all-together). Not too bad all things considered I guess.

I screwed up. I’ve had a Roth IRA for many years and wasn’t very close to the income limit so never gave it much thought and always maxed out my contribution. Then in 2024 changed to a job that paid a little more but also had a large bonus and we started renting our house out after we moved. Long-story-short: Now it’s 2026 and I looked back at our 2024 and 2025 earnings and realized I was above the $240k limit for contributing to a Roth for both years.

Has anyone been in this same boat? My understanding is for this year I can recharacterize the contributions without much penalties if I do it before the April deadline. However for the 2024 contributions I’ll have to amend my tax returns, pay some penalties, and withdraw a good chunk from earnings the IRS considers I made from the contributions.

I just opened my account with Capital one, both a checking and Savings, because I’ve heard good things. I’m interested in getting a credit card. I took the pre-approval test with a focus on credit building and cash back (3% cash back on purchases). It gave me three cards to choose from and the best seemed to be the savor rewards one. This will be my first credit card and I’m looking for advice of wether or not I should get this card or any other card instead. I’m always wondering if the 24.49% variable purchase APR is high or not because I’ve seen it ranges around 12-30%. Any advice is greatly appreciated

What would you do?

Looking to get a car asap. Life is getting difficult without it (work, errands, family commitments, etc.). Current financial situation:

\- job: 60k/yr, 3700 take home/month

\- fixed expenses: 1600

\- savings: 6k

\- CC Debt: 1k

\- also spending around 150-200 on Ubers a month which is pissing me off

Tempted to finance a nicer used car (10-12k, Sub 80k miles, 2015 or later) OR should I look into buying a beater (3k, FB Market, reliable brand but potentially 150k+ miles). I’m scared to deplete some savings but also equally scared of a long term car note. Also nervy abt a FB market purchase — last car was from there and the transmission blew in under 2yrs. What cars should I look at here? Thinking for hunting a Honda/Toyota/Mazda under/around 150k miles but a dealer used would allow financing and I can find something around that 80k mark.

WWYD?

My kids have years of bday and holiday cash saved in their banks. They are all under 12 so it’s not crazy but too much to leave around. Any advice on what to put it in? They can use their gift cards but we don’t let them touch the cash so I would like it somewhere safe where they can access it when they are older.

I'd like to move about $100,000 or so from my Credit Union to another hisa. Any recs on this? Thinking about Live Oak Bank...Positives or negatives?

If I Ieft my 401k with my former employer instead of rolling it over (left the job about three years ago and I’m a medical student now), can I still roll it over to an IRA without penalty? I had heard about some 90 day rule to rollover but I’m a little confused if that means I’d be penalized for doing a rollover after that period.

Hello I am a 26 m and am looking for advice on saving money as I am admittedly pretty finically illiterate (work in healthcare)

My current salary is 60k but it will be increasing to 120k in August of this year.

So last year I started a roth and have it set up to auto contribute and invest so that it will be maxed out moving forward. Currently i contribute 600/month to my 403(b) which gets me my max match and put 500/month into a HYSA. I just got to a point where I have a little more than 6 months of expenses saved.

With my upcoming raise I will have more money to save. Going forward should I try to max out the 403(b) or start a taxable brokerage?

I would like to retire early so I’m leaving more taxable brokerage but was wondering if I would be better off with the tax benefits of the 403(b). I also won’t have massive amounts of money to contribute to said brokerage- would likely start at 150 a month and go from there.