So i am 19 years of age, I was wondering how much a month should i faithfully invest? I invest about 250 a month, i net about 3000 with overtime after taxes.

Okay I tried this on a few other subreddits, got labeled as either a scam or spam, hoping this time goes differently-

Title says it all.

Bonus context for those who like to read, my job at Taco Bell hasn't been giving me that many hours lately, and while I could go searching for a new job, this is probably as good as it gets for me, and I don't wanna get another job for fear of conflicting hours down the line incase they start picking up again, so I was wondering if anyone here knew of ways to make some extra money online? Doesn't gotta be like millions or even thousands really though, a way to make an extra $10 a day would even help.

Pro Crypto Council,
All coins are pumping.

I feel like its a no brainer now right?

Is anyone still going to fully avoid crypto?

I work 9 1/2 hours, most of the time, a week. Last week, I worked more often (took over morning shifts for the client I have.) I am also studying to take my exam so that I can receive a raise (from $23/hr to $25/hr.) I am a college student, and admittedly still don’t know what I want my major to be in spite of the fact that I am a sophomore. I do usually really enjoy my job, and feel that I have the perfect arrangement with my current client. I’ve been with my company for almost two months now (started on 10/7.) I admittedly had a morning client beforehand but was taken off the case because the mom had an issue with me forgetting to flush a toilet once (I don’t want to get into it. No one from the company has pulled me aside to discuss it with me like the woman who finds employees clients suggested they would, I know that our company is going through a transition period but I also suspect that no one has discussed it with me because they know it wasn’t actually v serious/that the mom overreacted.) I am thinking that starting out with 1 client may be normal, though, and that after I pass the BCAT or RBT it is possible the company will give me another after all. I have close to $21k in my savings account and care a lot about saving money. I’m 19. I do like my job. Am I okay? Should I ask for more hours? What do you think?

I a 23M college student had nothing saved in July and just recently crossed 10k in savings for the first time in my life last week! I worked 2 part time jobs while going to school full time! So far I put a significant portion about 50% of my check into an HYSA that earns 4% a year and use about 20% on car expenses like gas and maintenance and the rest for discretionary fun expenses. With that being said, what should I do with it? Should I start investing and if so how should I invest, or just build up my savings more?

35M - started working in Big Tech in 2019. Got recruited and flipped it into a Director role at a start up in 2022. Start up had a liquidity event and boom. Best decision of my life.

I’m 23M and have been putting money into a Roth for the past couple of years. Now I have a safety net and I’m going to continue to contribute towards that but I’m looking at getting into stocks. Is this a good idea? Also what’s the best way to go about finding stocks to buy?

Felt really good. It’s a personal record for sure. Completely wiped all of my old financial mistakes.

Can’t wait for $10m to be honest. S&P500, pls double one more time! 🤞🏻

Hey little different topic but just wanted to know how people are so rich. I’m sure in this sub there are many so can u please tell what u did and how? Reason for asking is I’m a biggest failure myself failed in job/business/relationship/family everything so idk what I’m doing wrong or something its really depressing everyday !!!!

Would paying into a deferred fixed annuity be a better move than putting money into the S&P or other traditional investments? For retirement.

If you were about to come into a roughly $20,000 profit on something and have this debt, how would you use that money towards debt or savings?

Debt: Mortgage $95,000 Car $35,000 Credit Cards $6,000 Boat $38,000 Other bills $4,000

Thank you

Hello, realistically is it ok if I deposit $1,000 cash into my bank account. This is really the only income I receive and I do depend on it. Will I experience trouble with the IRS at all for doing such, realistically?

Im from Spain and i want to move to US, im 23 and im working in a factory here in Spain, also i have skilla in programming. I don't mind working 50-60 hours per week or study anything if i can earn a good salary, but i don't know what profession should i do, i have seen people making good money in US working for themselves, like gardeners. What do you recommend me? Im currently making 40k a year net salary in Spain and i saved 70k euros since i started working, so i could pay some bills until i got some job in US.

Title explains it mostly.

My husband was mauled by a dog a year ago and our lawyers just won him a $230k settlement (after legal fees). I work in have managed our existing savings to date ($210k : 50% stocks/ETFs and 50% HY savings account of cash for house down payment). Have performed above total market index in the 3 years I’ve been managing it. In total, this new money would bring us to $440k cash+stocks by year end (not including whatever’s in our retirement).

Age: both 30 y/o, no kids (yet but hoping soon)

Household income: $300k (before high state/city taxes)

Savings per year: $100k post-tax

Living situation: renting $3k/month for shitty apt in HCOL city

Debt (student loans): $15k

What should we do with this new money?? Makes me nervous managing all of that by myself but also not sure I’m ready to hand it over to an advisor who will pick the same ETFs I would, and also debating if buying a house is a good idea

Edit: $230k came from the dog owners (a person we hardly knew who lived a few blocks away from us in a neighborhood we had just moved to) homeowners policy which was negotiated solely between the lawyers and the insurance company.

I'm making about 120k per year base +10k bonus as a nurse. I am working 13 hour shifts alternating 3 or 4 work days per week. My work has pretty much unlimited OT and I can work an extra 2 days per month and that would bring me up to 150k per year base +10k bonus. This pretty much means I'm working 4 days a week every week, for a total of 50 hours a week.

The money is great, but I'm a little worried about having less time with my husband and also getting burnt out. We don't have kids, so that isn't really an issue for us.

Do you think it makes sense to work the extra 2 days per month?

Edit: I'm 27

I ALSO MAKE 20.50 and HOUR!!! i currently live in the East.

I have a question,can someone give me advice on how to manage my money better and possibly live better by 25. I have long goals and short goals. I’ve been trying to work on my short goals but they seem so far and does anyone know why it feels like this.

My goals are here

Goals for 2025-2030 2024/2025 -I got a license -i got a truck!! -i lote 25 lbs -i got closer to God 2026 Make 100k in 6 months own a house i Learned a new skill everyday. l Travel to japan /germany /italy Own a house not an apartment 2027-2028 I make 10k a month. Retire (young)

I have completed the ones that said “I got” I wanna eventually be able to do all this at a young age. I know kids my age who are netting 9-10k a month. I make 2500-300 a month with work. (3000 with overtime) My bills break down Car/insurance 150 (my cars paid off) Rent+ utilities-1200 Groceries are about -300 I invest 250 a month into index funds. I put 250 aside for rainy day. So i Spend about 1950-1980 a month on important bills. My wifi is paid off the year. It’s 150 for the year.

What am i doing wrong? I have no money at the end of the month really when i’m done with everything. I wanna save and eventually become financially stable by 25.

Hi all, so I am 21M and I currently make ~$50k a year. My only solid monthly expense is $700 rent the rest is just buying food or things like a new vacuum etc. I live with my dad who pays everything else for me as my gf who is also subject to the $700 rent only expense.

I currently have: 401k: $36,502.65 (all in an s&p 500 index fund) Fidelity Roth IRA: $1,996.54 (all in FTEC) Publix stock: $42,519.03

I currently have each week $132 direct deposit to a reoccurring investment into my IRA which will hit 7k a year given a full fresh year. I have 30% (the max I can) of my weekly paycheck going to my 401k. My hope is to have enough each year given no large expenses to put $10k into Publix stock to slowly build up dividends so by the time I'm 40 I'm getting a substantial amount of my income from dividends allowing me to step down to an easier role or even part time.

My main question is, should I reduce my 401k contributions maybe even to 0 so I can then open a taxable account which I can invest in SCHD instead of Publix stock to diversify allowing that to grow and give me more dividends as well. The 401k assuming a 6% annual increase would get me to over half a million by the time I'm 65 with 0 more contributions, obviously that's a long time from now and I would most definitely be able to invest more at some point.

Tldr: should I stop contributing to my 401k and allot that money to taxable accounts that pays dividends if I plan on wanting to partially retire at 40.

Thank you in advance.

My car was totaled, for many reasons I will be replacing it with a Toyota 4Runner. I am trying to decide whether I should spend the full amount of the insurance on the nicest 4Runner I can get (2019+-) with the payout, hoping for the longest lifespan, or, buy a less expensive, older, more mileage 4Runner (2008+-) that meets my needs and use the difference to pay off a 5% interest rate HELOC.

Additionally I am not interested in a newer model anytime in the foreseeable future. I kept my last car for 18 years and would have been thrilled to keep it 18 more had it not been totaled. I also do not have a problem making the HELOC payment. So neither of those factor in.

Trying to decide which is better in long run.

I started a second full-time job in June, and while the income is insane (my take home went from $10K a month and $120K a year, to almost $17K a month and over $200K a year), my happiness and mental health have definitely taken a hit. I'm constantly juggling tasks, always on edge, and barely have time to enjoy the extra cash I'm making. The money's great, but I'm really not sure I’m cut out for this — is it really worth it? Or is it just me?

https://preview.redd.it/yvnywk017p4e1.png?width=1712&format=png&auto=webp&s=16f04831fb550af653201164262fe7a7176621e0

How can I move money from a few prepaid debit cards to another card or account without being charged for it. I've tried PayPal but they always charge a fee to do it.

I know this depends on a lot, but living a modest life in a medium cost of living area. If you weren’t generating income at all, how long could you live on $1 million?

Sorry, editing to add in the US-probably Midwest or southeast not HCOL

((Not really sure where to post this, but I really want feedback from others, serious apologies if it violates any rules!!))

I noticed back in 2016 that China and Russia were suddenly buying up a lot of gold. Prices of gold dropped after trump won the presidency in 2016. BRIC has their chance to become the economic center point. Trump is pushing crypto while saying he's protecting the U.S. dollar.

BRICS vision. Any proposed BRICS currency is an extension of existing alternatives to facilitate trade. The yen, euro and pound are also integral to global commerce — and the US has not objected to their use. “It is the actions of the United States that have pushed many countries to seek alternatives to the US dollar.

The BRICS group was formed in 2006 with the informal meeting of Brazil, Russia, India, and China (BRIC) at the United Nations General Assembly. The first official BRICS summit was held in 2009, and South Africa joined in 2011.

The BRICS Business Council launched BRICS Pay in 2018. The team that runs BRICS Pay includes financial and banking technology experts from the four founding nations of BRICS, as well as South Africa.

In 2016, China's central bank significantly increased its gold holdings, buying a large amount of gold, which is seen as a move to diversify its foreign reserves away from the US dollar and potentially due to rising geopolitical tensions; this period saw a rapid build-up of gold reserves by the Chinese government, adding nearly 800 tonnes in just a couple of years. 

In 2016, the Russian central bank purchased 165 tonnes of gold, including a significant 40 tonne purchase in October. This was the largest single monthly addition to Russia's gold reserves since 1998.

Advertisements for \"elizzarda project\" a crypto scam website start appearing in December 2024.

Any of this sus to anyone else? Anyone worried? I have literally 0 investment in crypto. It was not available to me at any point in my life. And still really isn't. I make enough to support my family and keep my life going. None of my family on either sides are investors of any kind. Never even knew that stocks existed until I was in my late 20's. This type of situation seems meant to directly effect those of us who don't have those kinds of investments.

Just curious about peoples thoughts on this.

Following the Money: Trump and Russia-Linked Transactions From the Campaign to the Presidential Inauguration
https://www.americanprogress.org/article/following-the-money/

Trump’s BRICS tariff threats could support gold as nations flee weaponized U.S. dollar.

https://www.kitco.com/news/article/2024-12-02/trumps-brics-tariff-threats-could-support-gold-nations-flee-weaponized-us

The ultimate reason for owning gold might be shifting after Trump’s win.

https://www.cnbc.com/2016/11/10/the-ultimate-reason-for-owning-gold-might-be-shifting-after-trumps-win.html

In a few months a bank-account will open for me with around €3000 worth of shares on it. I don’t know what I want/can to do with it. Are there investments or anything else I can do with it to make profit?(english is not my first language so it’s possible that I made some mistakes)

Hi all,

25M here with a degree in accounting, working as a federal government auditor (GS-09, $60k). I'll hit GS-11 ($72.5k) next July and GS-12 ($87k) in July 2026.

I also have a second full-time job (Fri-Sun, 12-hour shifts) making $19/hr, saving ~$570/week, and more with OT. Started in February, saved $26k so far, aiming for $30k by year-end.

The grind is exhausting (80-hour weeks). My expenses are low (~$2k/month), my only debt is a $19.5k car loan at 3.99%. I save 45% of my gross income; included in that is a maxed out Roth IRA, a 5% TSP contribution, a 5% TSP match, a 4.4% pension deduction, and 100% of 2nd job check into HYSA. Even without the pension and match, I'm still over 40% of my gross income saved/invested.

I want to stay here long-term (love the area, want to raise a family), but housing is pricey ($500k-$600k median).

How much longer should I keep the second job? If you were in my shoes, what would you do?

I opened tqo HYSA back in March of 2024 with Amex and Citi. So far, I've received about 4 notifications from both banks indicating a drop in my interest my Citi dropped to 4% APY and my AMEX dropped to 3.90. I'm looking for to park my Savings without any fees.

22 and pay ALL my bills. Rent, car payment, car insurance, utilities, etc. What’s a good amount or average to have in savings?