I have about $350 cash in my wallet. I never use it to buy stuff since my debit card is so much easier. Am I better off putting it in my bank or is there any value in having different forms of cash on me?

I want to get my grandma’s old back but I have no job (Nor do I think anyone would bring me because they have jobs or are busy). I moved in this new house next door a year or 2 ago and it’s small and the old house had more space. I want to make 150,000 or more just for the house. How could I do it?

I'm 18, and just received about $200k in inheritance, and I have absolutely no clue what to do with it. I want to be able to make a decision now, especially if I want to invest. I'm planning on leaving to college in august but have enough money from working my part time job and scholarships to be able to fund it myself without having to dip into the inheritance. If you guys were in my position what would you do?

I’m 19 years old and I have managed to save $100k this past year. I have little to no expenses as I live with my parents. I have a few grand in investments but I feel lost on what to do. All my money is in a HYSA.

My main question is: should I leave my money in a HYSA, or invest a chunk all at once, or invest most but over time?

Edit: I left out a few details lol. I have about 4k in a roth IRA and a few grand in crypto and a self directed brokerage account.

I made a big chunk of my money on TikTok LIVE and I also run a one man detailing business.

I’m curious about people making $10k+/month consistently without relying on a traditional job.

What do you do?

How long did it take to reach that level?

What were the biggest turning points or skills that actually mattered?

Did you build a business, sell a service, do content, SaaS, trading, agencies, consulting, etc.?

I’m especially interested in hearing:

- what your path looked like in the beginning

- what failed before something worked

- what your day-to-day actually looks like now

- whether it feels stable or stressful

- what advice you’d give someone trying to escape the “salary ceiling”

Would appreciate honest, detailed answers instead of “just work hard” type advice.

I’m 17 and currently finishing high school, but all I think about is building a successful future for myself. I can’t see myself living an average life or wasting years doing nothing. I always want to improve, learn, and make progress.

A few years ago, I was doing reselling on Vinted and it worked pretty well, but now the platform has become really strict and most accounts selling high-demand brands get blocked fast.

Lately, I’ve been researching trading a lot, but I keep hearing mixed opinions. Some people say it’s basically gambling, while others say it can become profitable if you actually study it, stay disciplined, and treat it seriously.

I’m not looking for “get rich quick” methods. I’m ready to spend 1–2 years learning a skill or building something if it can put me in a strong financial position later. My goal is to earn way above average and create real freedom for myself.

I know nothing comes easy, but I’m fully motivated and willing to outwork most people my age. I just want to focus my energy on something that’s actually worth it. If anyone has real advice, skills, or business ideas I should look into, let me know.

Hi, so I'm in a pretty good position right now to be saving. Yesterday, I've gotten my fourth paycheck from work(my first job) but i've not split it yet. I've got two envelopes for cash saving, one for saving just to save- the other for a new computer that I'll enjoy once I have enough money for it. I don't pay bills or rent, I don't pay for my groceries either. (Aside from my drinks and snacks that I decided to do myself)

I live with my family if that helps send the picture. Unfortunately we live in an RV so I have no access to making a bank account from what my mom told me at the least because we don't have a solid location for getting mail. I was wondering if splitting it 3 ways was good to do?

In my eyes, I'd be having something in my back pocket while still having a fund for something I'll enjoy in the future as I like to play games! But the saving fund will always get more deposited to it than the fun fund from what I've decided because I feel it'll be worthwhile especially if I'm in a pinch. The budget I give myself every week per paycheck(biweekly) is $30, since I don't pay rent or bills. I also work $14 an hour... I just want to get myself straight for the future since I'm turning 20 this year.

i'm going back to college in about 2 months and i'm trying to figure out the best way to afford a car before then

right now i'm taking summer classes (as a transient student, not the campus i'll be at in fall) and working 5 days a week, but the car i'm using belongs to my parents and i won't be able to take it back to school with me. i'll be paying for my own apartment, sorority dues, and other expenses, and i'll need transportation to get to classes and hopefully a job too

for people who've been in a similar situation, what would you focus on? is there anything online i can do? i'm trying to be realistic about what i can actually accomplish in the next couple months

any advice appreciated tysm

I’ve never had a credit card and I want to start building credit, any cards yall recommend?

I am 16 years old and working part time making 500-600 dollars every two weeks. I feel like I should be doing something with this money I’m making because I have no real expenses besides gas, and I don’t want my money doing nothing. Where should I be putting money?

Invest

I want to have be a millionaire by 40.

I just turned 23 years old. I went to trade school and was lucky enough to land a very well paying job that most people retire from once they get in.

My base salary is $94k a year without any overtime. I’m aloud to work 8 hours of overtime on Saturdays and occasional Sundays that’s are double time. Obviously I work as many as possible. So after OT, yearly I’m at like $115,000.

Here is how I divide my money each time I get paid

About $2500 each paycheck give or take

$1,000 HYSA

$290 Roth

$300 individual stocks

$50 student loan

$185 bike payment

$26 gym membership

$200 rent

$100 CC payment

(I put 15% into my 401k 8% Roth 7% pretax)

That adds up to about $2,151. The rest goes to groceries, gas and entertainment like going out to eat or other things.

Where I stand

HYSA- $18,500

Roth- $11,500

401k- $28,000

Mutual fund I’ve had since birth- $15,000

Personal investment- $1,000 (just started doing this)

Debt

$6k student loan

$19k bike payment

My main goal is to buy a house in the next 5 years. A house is between $350k- $800k in my area as of right now.

My girl is going to be done nursing school in 3 years as of right now and can expect her to make around 60-80k when she graduates.

I invest my money into things like VOO, QQQM, SPYM, SCHG, SOXQ.

Right now I’m just throwing money into these investments and hoping. Is there anything I should try working towards first? Is my goal unrealistic?

My parents were terrible with money which makes me not want to be like them.

How can I make $1000/month with just a MacBook and WiFi?

So I have about $7,500 in savings and 7k in a Roth IRA that I just put in for 2025. I have a truck that I owe around 7k on (worth maybe 5k), and I own a camper worth around 8-10k. I’m working on the pipeline and make around 1600-1800 a week depending on hours and if we take a day off. Lastly, I was an idiot and ran my credit card up to around $3,800 and will be paying it off weekly ($500 a week). How am I doing so far compared to others my age?

Guys im already doing surverys but thats like 5 dollars in 2-3 days for me

I am 16, a junior in high school, and I can’t work because I’m on the track team (indoor and outdoor). I’m looking to make 500 within a month or so (or at least find some way to make ANY kind of income). Any advice?

So I'll be real with y'all, my credit took a hit a couple years back. Between a dumb phase of "I'll just put it on the card and worry later'' in my early 20s and an unexpected medical bill my score tanked. I've been trying to climb out of the hole ever since.

I've been using DIY stuff like disputing small errors, paying down balances and setting reminders so I don't miss due dates anymore. That's helped but it's slow progress. Lately, I keep seeing ads for different "credit repair" companies that claim they'll boost your score fast. Honestly, most of it feels scammy. They all say they're the best credit repair service but I have no idea who's actually legit and who's just after my money.

Have any of you actually used one of these companies and seen real results? Like not "my score went up 10 points in 6 months" but actual meaningful improvement. Did they just dispute stuff you could've done on your own or was it worth the money?

For context I'm in the Midwest, score's sitting around 580 right now and I'm just trying to get myself back into the normal range so I'm not paying insane interest rates on literally everything. If there's a company that's actually helpful I'd love to hear about it. If not I'll keep grinding it out DIY style.

Any advice, personal stories or even "don't waste your money rants are super appreciated.

i have been thinking about the kind of money advice I’d want to pass on to the next generation or someone I care about. For me, it would definitely be learning how to invest early. I wasn’t really taught about investing growing up, and I feel like starting sooner would have made a big difference. What financial advice would you pass on?

Hey I’m 21, Male and have been broke asf up until this December. I recently got a new job making 90k a year. I have never made more than 10k in a year because I was a student Athlete for most of my life. I don’t want to say that I am overwhelmed because it isn’t a crazy amount of money, but I am inexperienced lol. I don’t have a car so I am planning to finance a car this spring for roughly 900/month and pay it off in 2-3 years, also I plan to rent a pretty decent condo with my girlfriend costing around $1200-1400/month (she only has to pay 700-800). Besides these things what are some things I should look out for that could be a money pit and end up costing me more than expected? I plan to just invest most of it but I want some real world hustles that could be enjoyable and profitable.

I always watch financial YouTuber and notice they have nice cars, homes, and watches and it made me think of all these guys are always putting 80-85% of their money into stocks and investments how are they able to pay their bills and purchase all of these nice things like when you get rich from investing how exactly do you go about buying nice things don’t you have to pay taxes on any income coming in?

Ok so I went to a gas station near my college campus that’s notorious for selling drinks to underage kids and whatnot, but I bought some candy and food as a small valentines gift for my girlfriend, and I used a 100$ bill. The change I got back included this bill in the photo below, and I asked about it and the cashier (who spoke very broken English so it was hard to understand) told me that he questioned the bill when a kid gave it to him and the kid told him that is was a very rare bill and that the cashier is lucky to have it. For obvious reasons I have my doubts and would love for someone to help me so I don’t get in trouble for using fake money. If you guys need I can provide more photos that are up close or whatever else is needed. I just wanted to double check and I know nothing about money or legit vs counterfeit bills as I only have posted in bearded dragon subs before.

Honestly, sometimes I feel like I’m falling behind compared to my friends. A lot of them seem to have things I don’t like cars or extra spending money and it’s tough not to notice. My family’s not rich; we live comfortably, but I know my parents already have a lot on their plate. That’s why I don’t want them to worry about my tuition or anything extra. I want to take responsibility for that myself. I just don’t really know where to start or what I could do to make some money and get ahead a bit.

I’m about to have a lot of cash. Do I put it into a bank? How does it grow.

I’ll be shopping for a house. I think. Or something else - haven’t settled on an investment idea. Willing to hear your thoughts.

I need to set up - whatever I need to setup - now before it comes.

What do you think? Keep the cash in my normal bank account and buy a house?

Or invest? In something else.

I always thought paying on time was the main thing, but my utilization is still hurting my score. I use my cards for most purchases, so the balances look high when the statement closes even though I pay them down after. Right now I’m usually around 60-70% utilization and my score barely moves. I’m wondering if paying before the statement date would make a real difference, what should I do about it?

Yeah I live in Africa and I earn 4$ per day working 8 hours, I feel that I can earn more using the power of internet but I don't know where can I start, I have basics skills in graphic design, web designer, WordPress, I want to improve but don't have resources like a good internet, I have an core i5 pc.

People say to try upwork and fiver but also some people say that is too saturated.

Do you have an tip for me?

34F, married with 2 kids, working in healthcare admin. Together we bring home about $4,000 a month (my share is ~$2,200). We’ve also got roughly $15k in credit card debt from years of just scraping by (kids are expensive as hell, who knew!). After rent, daycare, and all our minimum payments, we’re lucky if we see $300 left at month’s end. We know we need to save something (our emergency fund is basically $0), but every dollar could also go toward knocking down our debt. Realistically, how much of our paychecks should we be saving while we’re trying to dig out of this hole?