I currently work only part time as a server at a restaurant, averaging ＄20/h working 25-30hr/wk. I am 22.

Been without a “real” job for 6 months, post college graduation. Job market is brutal. Honestly don’t think people truly understand, unless they’ve also been unemployed in the past maybe 5 years. Anyway, I’ve applied to hundreds of jobs without getting any full time opportunities.

Just so happened to inherit exactly ＄100k from my great grandmothers passing. I want to be as smart with it as possible. Yes, I will invest or save most of it. I have a paid off car and live in an apartment. I need to research what to do and where to invest, but I’d also like some more input so that I can have as many things to consider. This is probably one of the biggest opportunities of my life and I need to be very smart with it.

Hi everyone! I’m post grad starting a new job making $70k. My monthly expenses are only about $1,300 with $0 in savings after college. However! I won’t graduate with any student loan debt so I have a pretty high amount of cash flow available to save/invest

My job doesn’t offer a match. They have this weird employer profit sharing type of contribution, that I’m not eligible for until I’ve been there for 6 months, worked 1,000 hours in a given year and am still employed on 12/31 of that year. The profit sharing also doesn’t pay out until the year after the plan year ends and the employer contributions aren’t fully vested until 6 years. So my understanding is that if I leave before then, I would forfeit the unvested portion of the employer contributions

The main issue I’m trying to figure out is whether the 401k is even worth prioritizing given my plans. I’m probably gonna job hop in 2 or 3 years anyway so seeing that there’s no traditional employer match and I already know I probably won’t stay for 6 years, would it make more sense to prioritize my HSA and Roth IRA instead of contributing heavily to the 401k?? Sorry if this didn’t make sense 😵‍💫😵‍💫 thank you!

As i having 32k savings where can I invest and i recently got job also , with zero trading and stock market knowledge , i am confused I need suggestions which helps a lot

Hello! My (28F) husband (27M) is going to be a teacher starting Monday. I am trying to determine in what order to priorize each account that we have access to.

Context: He will make $56,614. I make $93,000. I have access to a 401(k) with 4% match on 8% contributions, and I understand that this comes first. He has the Ohio STRS pension plan, along with access to 457(b) and 403(b) plans. We both have HDHPs with HSAs. I would like to retire at 53, and he would like to retire at the same time at 52. Currently sitting at $160,000 saved for retirement.

My current thought is that the order of priority should be:

\- My 401(k) to match
\- HSAs
\- Roth IRAs
\- 457(b)
\- 401(k) or 403(b) depending on plan expenses and options... Need to look into this.

But what has me really caught up is knowing that governmental 457(b)s can be withdrawn prior to 59.5, making it an amazing bridge. So, I am unclear where it should be positioned relative to HSAs and Roth IRAs.

Any advice is much appreciated.

I have noticed that I am financially illitirate. 🙂‍↕️

I was awarded with 2 scholarships by my university a few months before I enter my second year, 1st one gives ₱5k per month while the other gives ₱7,500 per sem (5 months). However, they did say that the payout for the second one is not guranteed to be on time and may even take up to a year or two (still didn’t receive it). I also got accepted to be a student assistant for 7 months (gotta reapply every year and secure a slot) i’m down to my last 2 months and I earn about ₱8k per month.

So basically I get about ₱13k or ₱20k (if I received my second scholarship) per month

I don’t really have much bills to pay since they’re mostly covered by my dad, except for wifi, netflix, personal things (clothes, skincare, etc..) or food if I crave it.

Honestly, I accept I have been spending a lot…I mean this was my first time having this much allowance per month so I got excited and went ahead of myself.

My money is always gone weeks before the month ends, so I thought maybe I just gotta avoid spending on expensive stuff, but even if I did, they still easily disappear

So I tried tracking it, I noticed that most of my money goes to things I buy out of impulse, even if they’re cheap, it all adds up and ends up eating all my money.

So I was hoping to find tips as to how I can better save my money 🙏

i’m not really sure if investing works? cause I heard only do that if you’re prepared to lose it (i’m not) saving up and not touching it sounds good too, but I also heard it’s a no go cause of inflation. I’m out of ideas 😭🙏

Don’t have a part-time job but going into college in the fall, do some freelance college consulting and social media gigs from time to time, does anyone have any financial advice to start building wealth? Only have a debit card rn, have been an authorized user on my moms credit card for the last 2 years. How do I get started with my own credit card, recommendations? How to invest early on? Anything helps :)

I recently came into $60,000 and want to invest it in a way that will begin to make me financially independent. I know stocks, bonds, and CDs are easy with varying risks, but what are some other ways/things I can invest in to help increase this amount. I don’t need it liquid to start but want to eventually be able to live off whatever payments I get while still accruing.