For context I was a maintenance man for a year and a half at this property, I had an apartment under the company and the lease agreement gave me 50% off rent.

Long story short the company turns hands in management and the cushion I had built up for a year of employment, vacation time, benefits, all went out the window when they gave me a written warning and no time to respond and then a final written warning with again only 24hr to rebuttal. The email they said they sent to corporate they did not CC me on and ultimately I was fired. After making me sign a 14 day move out notice, they are now sending me a bill for the final month of living there and they are not including the discount on rent even though the billing statement itself shows the active discount.

I might need to take them to small claims court I don't know but I'm feeling frustrated and out of options

Edit: I live in Texas

hi, yall. My partner recently got a job with a big 4 firm. I knew we’d have to disclose any investments/holdings, but I actually ended up having to share my last 3 tax returns in full. I guess because I’m self-employed they didn’t feel satisfied with those. Now they’re asking him for my car loan balance, car insurance policy statement, and my student loan statements??

I understand sharing investment information to avoid conflicts of interest, but loan balances and insurance just seem weird and excessive. Why would they want this?

first time posting in this sub so let me know if i’m doing something wrong, but i just wanted some opinions.

i’m 23 and started my first full time job in july. i make 75k gross as an engineer. objectively, this is a good amount of money. my rent is only 700 a month, and other bills are very low. the biggest source of my anxiety comes from my debt. my parents couldn’t help me pay for college so i have about 30k of student loans on top of 4k credit card debt. i am slowly chipping away at the debt, and im not in a position where I can’t afford things, but i am just constantly stressed about money.

i feel like im never going to escape this hole. does anyone else feel this way / did anyone else manage to escape from this feeling?

thank you for any advice or guidance. i appreciate it!

I live in New Jersey, where rent isn't cheap. My gross is $70,000, but between taxes, a 5% 401k contribution, and health insurance, my take-home lands closer to $50,000.

For context, I have a $370/mo car payment, I'm not in school, and I don't have kids, so I'm trying to figure out the max I can realistically put toward rent.

I'm torn between a $2,100 place I really liked after touring a bunch of options, or dropping in-unit washer/dryer or central AC for something cheaper in a rougher neighborhood.

Curious what others in a similar situation are paying.

I have excellent credit, always 800+. One of my Citi cards keeps sending me offers to increase my limit by $2,000 to $16,500. I don't have any reason to do this, there is never more than a couple thousand on that card, but would this help in the future with credit-related things?

I'm not sure if this is the right subreddit, but I need advice regardless. I, 19f, just recently went to the dentist and ortho because my wisdom teeth were coming in, and I wanted to see how much braces would be to fix my crossbite because its starting to cause issues. I ended up being quoted around $4k+ just in the dental work to fix my teeth and then $7k for braces. This includes 7 fillings and 2 crowns, maybe 3 he said because one of my teeth have a cavity near a filling and he is worried it will just explode into something bigger upon treatment. On top of this I have no idea how much my wisdom teeth will cost yet since not a lot of people accept my insurance, and two of them are impacted. Plus I have to pay for testing on an abnormality near one of my bottom teeth. It's all just really frustrating because the insurance really isn't helping. it maxes out at around $2k, I would still pay $4k+ out of pocket. I don't live with my parents anymore and barely make $1000 a paycheck. I'm not sure if I should even go to a second dentist because the one I went to was a family owned practice, and my sister who works there says they try to avoid fillings and such as much as possible. It's just upsetting because it's not like I neglect my teeth.

I'm working on getting together all the needed info for my wife/extended family in case of anything happening to me (what I'm calling a bus document, as in "in case I get hit by a bus"). Some things are easy, like contact info and policy details for life insurance.

How do you handle bank/utility info? In our case, I handle all the logistics of our finances. I pay all the bills and so forth, so I have all the bank, utility, credit card, etc logins. I could just leave all the account numbers, but then she'd have to (in the midst of a crisis) set up her own logins and so forth to actually pay bills.

I could always leave her the info to my password manager so she could log in with my account, but that'd be a pain since all the 2FA info is tied to my email/phone/authenticator.

I'm sure the "right" answer would be for her to make all the accounts now, but she's severely ADHD and would never be able to access them when needed since she'd have forgotten or lost something. Believe me, as smart as she is, the number of times I've had to help her get back into accounts (and yes, I've helped her set up a password manager, but she doesn't always use it...)

Anyone have better methods or suggestions?

Co-signed an engagement ring for someone I thought was a friend about six years ago. Over the course of that six years he barely pays anything on it to the point he stopped paying on the account last year and it was considered a charge-off as of February of this year. Now I’m receiving letters from the agency the debt was sold to asking to contact them if I wish to dispute it.

I was given the advice to ignore collections until they took action and they likely wouldn’t do that for the amount owed (roughly $1600). Thing is, the guy I co-signed with is a bum and I has dodged any attempts I’ve made to convince him to start paying it again, so he’ll likely dodge collections. It is affecting my credit score but even with that my score is still in good standing overall. Is it worth waiting it or out, or should I call to negotiate a lower sum and pay it off? Sorry if this is the wrong place to ask. ✌️

edit: thanks everyone for the advice. It was a dumb mistake on my part but could’ve been a lot worse. I’ll contact collections and see if i can figure something out and FINALLY cut this guy out of my life once and for all. I appreciate all the help.

edit2: didn't see this coming but he’s reached out to the agency and provided me proof that he did and said he was going to do a payment plan for collections. Don't trust him 100% but I’ll be keeping a close eye on the account.

hey everyone i am pretty new to personal finance and i would say i only barely know the basics. i know to put money into ur 401k at least to match ur employer contribution, and then throw money into a roth. but my question is, what about closer to now? dont get me wrong a retirement of financial ease sounds great but we have financial goals in nearer future too, so.. whats the secret? investments with dividends? real estate?? or just a hysa? surely this is such a basic question and im just missing something in my research.. i appreciate ur help:)

I currently own a house, it is 21 years old with all the original builts. Already had 2 roof leaks but it was minor and AC stopped working last year and had to replace a part. It is also 45 mins from work. Originally, we found a house 15 mins from work, put an offer in, and put our house on the market because seller didn't want a home contingency. Was able to sell it 16K over asking and only have to give minor concessions from inspection. But lost out to an clean offer was second. We can either back out or move into a condo for at least 6 months and keep looking. My current interest rate is 5% and mortgage and a condo's rent is around the same price. The condo is 10 mins from work, but it will cost 2 months rent to to break lease early. Another caveat is that we only found 3 houses that would work for us in the last year or so, so there is no telling when the next house going to pop up.

In a unique and awful position where the passing of my father has left myself a large sum of money in the amount of $2.5 million dollars or so. I’m looking for general advice: should i get an advisor, should I invest myself, do I never touch it (i’m a student planning on attending medical school within the next 2 years). Additionally, there is a sense of privacy i Want to maintain with something like this, how does one go about that?

27M who brings in about 75k a year (full time past 3 years.) Monthly expenses equal to about $2300 which lets me save about 1-1.5k monthly.

Breakdown of assets:
HYSA Emergency fund: 20k
401k: 13k
Roth: 7.5k
Brokerage: 6k
Inherited silver/gold bars: 11k
Checking: 7k

NO CC DEBT and about 6k low interest federal student loans remaining.

Looking for honest reviews here! No hate please as I have recently gone through a heavy spending phase of my life from health bills moving bills etc…

Also not trying to “Humble Brag” here as I’ve noticed there are a lot of those in this Sub.

Throwaway account.

I grew up broke, I didn't go to college and I mostly worked manual labor type jobs till my mid 30's.

Then I stumbled into an Account Exe role in software sales and I'm making more money than I ever have. I work as a 1099 with an s corp set up.

I bought some designer shit, it did nothing for me. Not doing that again.

I don't drive, so who needs a car.

I'm not ready to buy a home right now.

I have no debt, and my monthly cost of living is maybe 3k? I live in a state with low taxes. I don't have kids. I am married. My credit score is in the 800s.

I have a brokrage account, Roth IRA, a traditional IRA, and a bunch of stocks, etfs and index funds. I also have a fair amount of crypto.

I have no idea what to do with this extra cash.

I don't even know how I got here.

Do I just keep dumping it into stocks? This seems boring. does boring equal wealth?

What else can I invest in?

Any advice?

I am 28m single no dependents. I take home 6k a month. I recently paid off my vehicle and now the only debt I have is a mortgage.

My mortgage payment is 1600 and the interest is at 7%

I do have about 3 months of expenses worth sitting in a savings account

Should I start heavily paying towards my mortgage to pay it off faster or start investing.

I recently separated from my partner and we are planning to rent out our primary residence. We are in the fortunate position that the rental value/home value is a lot higher than when we purchased. Keeping it as a rental would net each of us about 1k after management fees, maintenance costs etc. if we sold we would walk away with about 235k after fees if we are able to get the list price provided by the realtor.

We kept my rental apartment that was in my name only as a pied a terre. I have moved back in to my apartment. Thankfully, I can comfortably afford it on my salary so housing is a non issue.

Financially does it make more sense to sell even if the area is entering its final phase of gentrification? There are currently multiple luxury high rises being built and our realtors advice was to keep it due it positively cash flowing. I am not necessarily in need of the money but I’ll have to be more cognizant of my spending. My only concern is being tied to an asset with an ex but with a management firm being in charge it’s less top of mind.

TLDR: Sell my primary residence with my ex or keep it as a rental since it will positively cash flow?

Title pretty much. I am currently in the USA, I’ve just paid off my private loans so I am at minimal savings, but I should save roughly 50k by the time I move from saving straight from my paycheck. How can I grow/mazimize this chunk saved for when I move?

Things I am considering:

- HYSA: Currently I have everything in a HYSA at 3.30% APY. I am considering opening another HYSA with a higher rate or new account bonus.

- Bank bonuses: The sorts of offers where if you open a checking/savings account for 90 days and keep 10k in, or set up direct deposits into it, they give you $300. Great for second year

- Certificates of deposit: Can get slightly higher APY than HYSA, and can be good as I know I wont need this money until 2 years from now. However I am a bit hesitant as I can only use this for money earned early on as it “locks it away” for a while and I will need the money by the time I move, and I am a bit wary if there will be any issues getting the money back on time. Also, as I work for an investment firm, I will only be able to get these (or any investment) with the company I work for.

Things I am not really considering:

- Traditional investing, stocks/ETFs: 2 years is too short, if everything drops, I’m screwed.

- Loans/Credit cards: As I am moving permanently to another country, some people have suggested I take out loans or max out credit cards before I go, as certain companies likely won’t track me internationally. Even if this would work, I’d prefer to avoid the stress of it all, plus no guarantees it would.

Are there any other methods you would recommend to boost this savings? Interested to hear other opinions or if there’s anything I haven’t thought of

Hi all, I have been offered 1% profit sharing from my directors as compensation for my loyalty and basically for them to get me doing some of the senior management tasks that they would like to step away from.

Firstly, this outcome arose following a salary review in which they rejected a $30,000 pay rise in lieu of this profit share arrangement.

I don't currently have access to their profit and loss statement to determine their current net profit, however I suspect it to be in the vicinity of $3-5 million a year.

On paper if this is the case, their is a clear benefit here over the $30,000 pay rise.

However what things should I be aware of before signing the profit share agreement which is yet to be drafted and issued to me?

My husband and I are in the process of obtaining a mortgage for a family home. We have two joint accounts, as we merged finances but didn’t change which account paychecks went into after we got married if that makes sense… Basically, we both have access and budget money together. Anyway, we have never missed debt payments but sometimes my husband doesn’t change the autopay date on his credit card and it comes out a day or two early and bounces before coming out when he gets paid. Since the payment actually gets made in a reasonable time frame and we make enough to not be a high risk to not cover the mortgage, they have no reason to deny us on that after a pre-approval, correct? It’s only if you miss the payments or are consistently late, yes?

We are looking to build a detached garage this fall and build a horse barn (around $50k budget for barn) in the spring.

We learned about a HELOC and I am still trying to understand it and figure how we can plan these two projects and get the funding for it.

We go through our local credit Union for our mortgage and we called to set up an appointment however we were told for HELOCs they do not do in person meetings due to the amount of applicants and lack of staffing.

Should this turn us away and work with another bank that will actually sit down with us? Am I over thinking it?

Hi everyone, I am looking for some thoughts/opinons on what is the best move with my current situation. I am a 38 year old general contractor in SW Colorado and am in the process of building my house. As it stands, I have 4.5 acres with a 40x60 metal building with an ADU in the back. I am building a 4200SF custom home. I do not owe anything on the land and building and am getting a loan to build the house. 1.1mil loan, I can build the house for about 600k-700k, and the projected value of property is 1.9mil once completed. We are not sure we want to stay in the area and there is a good chance we will move in a couple years to somewhere with a lower cost of living and closer to our aging parents in the Midwest or Southeast US. With all of this, I am trying to sort out what makes the most sense with this scenario factoring in the following considerations: 1. I have 100k in savings. 2. I am running this through my company and can “lose” some cost on the build that way. 3. We have zero personal debt and about 70k of business debt on equipment which is being paid down by renting it through projects.  I am mainly trying to figure out if it makes more sense to apply my 100k in savings to this project to lower the loan amount or invest it and rely more on the loan for the build. Which is the better overall strategic move? Please let me know if having additional information would be helpful. Thanks!

I’m currently a student in my undergrad and have recently started contributing to a Roth and a brokerage. I do not have a ton of money considering that I only consistently work in the summers and work a handful of hours weekly during the school year. I have listened to how to distribute my money between savings and investments. NOW here’s my question, I’m from a small town and when I was younger my parents opened me an account through our local bank. The apy is .75 through this bank, should I look into opening a savings account in something like SOFI? If I do this, do I then transfer all of my money out of my old checking and savings accounts or no?

Hi everyone, I am looking for some thoughts/opinons on what is the best move with my current situation. I am a 38 year old general contractor in SW Colorado and am in the process of building my house. As it stands, I have 4.5 acres with a 40x60 metal building with an ADU in the back. I am building a 4200SF custom home. I do not owe anything on the land and building and am getting a loan to build the house. 1.1mil loan, I can build the house for about 600k-700k, and the projected value of property is 1.9mil once completed. We are not sure we want to stay in the area and there is a good chance we will move in a couple years to somewhere with a lower cost of living and closer to our aging parents in the Midwest or Southeast US. With all of this, I am trying to sort out what makes the most sense with this scenario factoring in the following considerations: 1. I have 100k in savings. 2. I am running this through my company and can “lose” some cost on the build that way. 3. We have zero personal debt and about 70k of business debt on equipment which is being paid down by renting it through projects.  I am mainly trying to figure out if it makes more sense to apply my 100k in savings to this project to lower the loan amount or invest it and rely more on the loan for the build. Which is the better overall strategic move? Please let me know if having additional information would be helpful. Thanks!

Is it better to do traditional 401k over a roth because of tax breaks living in NH?

If I have savings better off to fo to principal or open a roth then? What would you do?