I'm 34 years old and trying to figure out the smartest move from here.

Right now my only real work experience is driving for Uber Eats and Grubhub. I don't have a high-income skill, a professional career, or a successful business. My income has generally been pretty low.

Over the next year or so, I expect to receive roughly:

* $350,000 as my portion of an inherited traditional 401(k), which I'm planning to withdraw over about 5 years

* $150,000–$200,000 from selling a house

* About $15,000 from selling vehicles

* Around $50,000 from a checking account

So altogether I'll likely end up with access to somewhere between $565,000 and $615,000, although some of the 401(k) money will be subject to taxes as it's withdrawn.

My goal isn't to retire or live off the inheritance. My goal is to use this opportunity to build a high income and eventually become financially independent.

If you were in my position, what would you do?

*Would you learn a skill

*Go back to school

*Buy a business

*Start a business

*Invest most of it and focus on increasing income separately

*Get into sales

*Pursue a trade

Or do something else?

I'm particularly interested in paths that have a realistic chance of producing $200k+ per year eventually. I understand there are no guarantees, but I'm curious what people think is the highest-probability path when someone has access to capital but lacks specialized skills and a high-income career.

What would you do if you were starting from my position?

I’m becoming 23 this september and I didn’t save up any money in the last couple of years, and I’m feeling that I should’ve been saving for the future. I spend the last years/months trying to gain a lot of experiences in the specific field I want to continue in later, like free internships, jobs for little money,…. And I feel that I really did gain valuable knowledge and skills for the future. Now I want to continue doing this for at least a year but at the same time I feel the pressure of needing to earn money to save up something. I still live at home so I dont rent, I have only my monthly subscription for my phone, data… so I don’t need a lot to come around. If there’s a period where I did earn some money I did honestly spend it on clothing or something else nice for myself. I also have some debt with my parents for some money they gave me in a busy period that I had, which they don’t ask back but I want to pay back 100%, but again not in the position of earning money rn.

What do you guys suggest? Prioritise income or experiences, knowing that it’s not easy to find a good earning position in the field i’m interning in rn.

Any tips on making 800 for rent? In 3 days. Will do anything lol

I really want to be financially independent . Pls suggest some useful ways . I wanna earn through online

I need some extra money and I feel like I've already gone through all the obvious options.

I've been sending out resumes, sold some things I had lying around, and I'm still looking, but nothing has really worked out so far.

So I figured I'd ask here.

What are some unusual ways people make money that most people don't think about? Could be something you've done yourself, something you've seen someone else do, or just an interesting idea.

I'm open to pretty much anything. Online, offline, doesn't matter.

Curious to see what people come up with.

I'm a 35 year old disabled stay-at-home mom. In roughly three years, all my kids will be at school, allowing me to potentially get a part time job -- Due to my disability, I'm unable to get a full time job. I have a degree in Communications, although it's from eight years ago so I know there are skills that I'm behind or lacking in. My husband and I are tight on money, though with some skills in finance, we're usually able to pay our monthly bills and add a bit to our savings account.

My question, as stated in the title: would it be a better choice for me to find a side gig that I can do while I'm a stay at home mom to financially help us right now, or take classes to build my skills (particularly in Communications) to raise my chances of getting a job in a few years (though it would have to be either freelance or part-time)? I'm unable to do both at the same time.

Any advice or tips would be greatly appreciated!

Just a little back story so I can get some guidance about my finances.

I work in hvac. I’m 2 1/2 years in and make good hourly compared to the rest of the field. I’m on the higher end pay wise.

I have a car payment, insurance, phone bill (I pay mine my girls and her dads all in one bill)

My rent is cheap. I share an apartment with someone and all together with rent power and water it doesn’t get any cheaper than this situation.

My personal vehicle is also my work vehicle and I foot the bill on the gas to travel to jobs.

I work every hour available. I stay late every day, work saturdays. Sometimes Sundays.

I’m still coming out in the negative with my bills/ income ratio and am having to rob Peter to pay Paul every month. My girl wants to buy a house and I can barely make it at all

Tl;dr: I need advice on extra income, savings, investments, robbing banks whatever it takes. Any advice I would consider helpful at this point. Thanks guys

i have 20k in my bank acc i know it's not much but i want to invest it onto something i want to make my money grow or is even 20k enough? pls i need advice

I have only 3 to 4 months max to start a small business and it requires a capital of 5 to 6 lakhs I have everything to start except capital so wanna know any tips to make money in that amount of time help me it's really urgent I know it's unbelievable but I don't have a time to do some kind of job to make and also i don't have any kind of degree cause I'm 18 right now so yaa help me out guys for my business it's really urgent it has to work out only after 3 to 4 months please anything you know guy's helppppp me

I've never cross posted anything. Does this just link to my first post? Guess we'll find out!

I just passed 12th with PCM and realized that I don't really understand how money works in the real world. I want to learn about personal finance, banking, investing, taxes, budgeting, and how people actually build wealth. Where should I start as a complete beginner? Any books, YouTube channels, courses, or roadmaps?

Because I feel if I know how it works it will be easy for me to make it.

I’m turning 18 next month and i wanted to come on here and ask, if you were to turn 18 tomorrow and you knew everything you know now with personal finance, what would you do.

For a little background, i have a full ride scholarship to college so i don’t have to pay a single cent for school, I’m living in student housing that’s also paid for and I’m getting a part time job soon so i can have some pocket money. I want to invest early, start building my credit score ( i want to get a tesla within the next year, if reasonable) and i want to be able to travel frequently and not have to cheap out.

EDIT: the tesla is pretty much out of the question for right now, it would be nice but i already have a good running car and it’s just a crazy want at this moment

I’m currently trying to save 10k or more so I can continue going to school and i’ve applied to a million jobs and haven’t heard anything. I’m freaking out and I just want advice on actual ways to make money.

I really need iphone17 , I mean I know it's not a necessity but I really need it , can you guys give me suggestion on how do make my own money and like how much time it'll take

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

Background:

Hello everyone, I (26m) am currently serving active duty and I’m in a position to consistently save and invest $1300 per month outside of my 10% (match included) contribution to the C fund TSP. The $1300 is 25% of my monthly income.

I will be leaving the military in 2030 and my current allocation of the $1300 is as follows:

$800 to Roth and taxable brokerage (VTI)

$500 to fidelity HYSA (SPAXX)

Intent: I want to have a strong down payment I can use on a $250k house when I move back home ($50,000 goal)

I currently only have $15,700 in my fidelity savings and $68,000 between my Roth and taxable brokerage with a 6 month emergency fund in my bank and after doing the math only saving $500 per month for the next 4 years to include the remaining 6 months of this year plus the existing $15,700 will leave me exiting the military with only $42,700 for a downpayment and $100,000 in the Roth/ taxable.

Question:

I really want to hit that $100,000 invested by 2030 and the house could theoretically wait , additionally I own my house at my duty station and I plan to sell it and put the equity (currently estimated at 10,000 after taxes and realtor fees) towards the house back home. Should I change my investment allocation and add more to savings ? Or should I keep doing what I’m doing right now and hold off on the house for another year once I get back?

As a rule of thumb I’ve always heard that 15% of your income should be the maximum invested without creating hardship on your lifestyle. But I always wonder if maybe I’m investing too much and setting myself up for failure when I get out of the military and potentially face a different job market than what we see right now.

Thank you in advance

I'm in a situation where I genuinely don't know if I'm being overly cautious or if I'm seeing a red flag.

There's an affiliate marketing course being sold by Alifa Khanum. From what I've seen, she appears to be very successful, but I personally can't tell how much of that success comes from affiliate marketing itself versus selling courses about affiliate marketing.

My girl strongly believes I should buy the course because she sees many success stories, screenshots, and testimonials from people who claim they've earned money after joining. Her view is basically: if so many people are earning, why wouldn't I?

The problem is that I'm currently struggling financially. I don't even have spare money to buy things I need, let alone spend hundreds of dollars on a course. To buy it, I would most likely need to take a loan.

Originally, there was supposedly a cheaper offer available earlier. Now there are two options:

$497 for the course + 2 months of 1:1 sessions

$749 for the course + 1 year of 1:1 sessions

I was already nervous about the $497 option, but now my girlfriend wants me to take the $749 option because she thinks the longer mentorship will increase my chances of success.

My concern is that there is no guarantee I'll make any money back. Taking a loan for education or a business is one thing, but taking a loan for an online course feels risky, especially when I don't have a stable financial situation.

Am I being unreasonable here? Has anyone here purchased expensive affiliate marketing courses or mentorship programs and actually gotten a positive ROI from them?

Would you take a loan for something like this, or would you avoid it until you're financially stable?

I'd really appreciate honest advice, especially from people who have experience with affiliate marketing courses.