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FinQA

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Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I did look, so apologies for another FSA question. I need to finish the purchases today, and I’m the dummy who put it off. I have a little money left to spend, and an FSA card that Amazon recognizes...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I am currently putting money each pay in to a savings account for my son, but the interest is minimal. Should I put this into a PA 529 or a high yield savings account? This money will be for him later...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hi Everyone, I just started a new job and have some questions on where I should put my 401k allocations. I was hoping to put some in VTSAX and SP500 index funds, but I'm not sure which ones they are...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hey guys - I’m looking to upgrade my savings account to an HYSA. After doing some digging, there’s two finalists that I like: Marcus by Goldman Sachs - 3.3% APY - large institution that I have posit...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hi there PF — Throwaway account here. I was hoping to get some alternative perspectives on a major home expansion that I am considering undertaking and the future implications/options of having a sign...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm curious how folks here process saving for college and balancing out giving children options/risks of over-saving/valuing private colleges. My partner and I are fortunate to have a good, steady in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hey guys, I'd just like to explain my parents' retirement situation here and get your suggestions on what I should do to best help them in this crucial point in time. My mom is a stay at home mom, an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 401k wellness check I’m sure this has been asked before but I recently did a check on how my overall finances are doing. I’ve googled and researched but I was wondering other opinions on my 401k in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have been managing my elderly mother-in-law’s finances for a year now, after her husband passed away. He did the majority of the bill paying so I took over the job to help her out. They had no savin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: 25M, AZ. I pay $850 to my parents for car insurance and help with the mortgage. To preface, I own the house with my sister as we purchased it in 2018 before prices skyrocketed. I was barely in college...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hey guys, got told recently that I'm about to be a father. I am wondering what financial accounts I should look into setting up, comparing. What are your experiences? What did you wish you did/could d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Right now (age 30), I make roughly $58,000 a year before taxes with an extra $6,000 from a side-job. With this, I make in total of $64,000 a year. My total investments monthly include: $600 a month ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I started my career later than usual (28) and for the last 3 years I‘ve been contributing to both pre-tax and post-tax 401k via my company. Recently, I had a large salary increase to ~$136k gross/year...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hi, I’m new to US and I earn $80k/yr. I pay $307 per pay check (bi monthly ) for my 401k. I see my taxes are around $900 per pay check. I end up with only 4K in hand In a month after deductions. I spo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hi all! Apologies if this isn't quite the right sub but I figure a lot of people on here have opinions. I am a longtime Mac Quicken user getting restless for other options. When they did the total rew...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hi! In early 2020 I bought a condo for $172K when I was 24, jointly with my dad in order to qualify (I had the income to make all the payments, just not the income history or down payment). Thought I ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: In 2022, I've had a balance in a Rollover IRA. These had originally been traditional 401k contributions at a previous employer. In 2023, I want to make a backdoor Roth contribution. To avoid triggeri...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hi! I'm 29, m and currently work in tech. Up till now, I've sort of juggled my career with moving around the world. I've lived in 5 different cities in my 20's, in and out of the country, some where I...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hi, I have opened a rainy day savings account with Barclays - who offer a 5% gross on all savings up to £5,000. After this, the rate drops to 0.5%. My question is - if I was to go over the £5k - ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have a self-managed Vanguard traditional IRA account that I contribute to yearly. I checked my balance today and noticed there's a button where I can convert it to a Roth IRA. Since my contributio...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm in no rush to actually buy a house any time too soon for several reasons (at least a couple years away), but I'm trying to start learning a bit about them to know what to consider/expect when the ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hello all. Many people are telling me to freeze my 401k. Its about $168k, I’m only 42. I’m sure I’ll be working for another 15-20 years. I’ve always heard to leave it alone. Thoughts? ### Answer: Hel...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hey all, I opted to do my own payroll for our nanny, which has been an eye-opening experience for how complicated small business taxes are. I have to transmit the wages I paid to the social security...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hopefully this is the right place to post this, let me know if there is a better sub for it. Trying to help my parents out as they had an oil leak in their car and took it to a local shop a little ove...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Does anyone have a financial dashboard recommendation I can use as a one stop shop overview? I’m okay if it I have to manually add information. Preferably something free. Or even a template for Google...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Ive been funding a mid-term (10-15 years from now) brokerage with VTSAX (80%) and VTIAX (20%) for the past 5 years. With no interest rates at or near their peak, is now the time to start rebalancing w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm 28 and want to structure my finances to take better advantage of an admittedly fortunate situation. I have no debt or loans and my only major expense is my rent which is \~20% of my monthly incom...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: So I've been reading the wiki. The flowchart is too pixilated though for me to read. But anyway this will eventually lead to a "what do I do with x money" question. So I'm debt free (paid off car an...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Caveat: I am not very financially savvy so keep that in mind as you read further. Thanks! My wife and I are both self-employed, our home is paid off, we have \~$200k in retirement savings, but we sho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I'm new to investing, I've been doing so for roughly half a year. My goal is to invest in stocks that pay dividends and continuously re-invest those dividends back into more shares over the roughly 30...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Doing my first backdoor Roth IRA conversion but I received a $100 bonus for opening the Traditional IRA from Fidelity after contributing $50. It's been in a money market for some time and now it's $15...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hi everyone, I’m young but saving for retirement with my ROTH. I just thought of a quick (possibly stupid) question and would like to hear input — what do you actually do with a ROTH once you’re retir...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: My employer is offering roth 401k contributions starting 1/1/23 in addition to the normal pre and post tax contribution options. I have been using the post-tax contribution method since I started a li...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I currently am saving for a downpayment, hopefully for an investment property or a 4 flat where it’s part investment part home. I have about $65k saved currently with hopes to bring it up to $125k for...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have a question that I can’t seem to find an answer too. So normally a person would have a Roth IRA account and contribute the max every year into the one account. So if I have to do a conversion ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I’ll try to be concise: - I contributed $2,000 to 2021-2022 FSA account at job 1. - In April my daughter was born. - I quit my job 8/1/22 and had contributed $1600 to the FSA account up to this poi...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: TLDR: Freedom Debt Relief Program experiences (good/bad) should I stay with the program and trust them or is there a better option? Just recently started the Freedom Debt Relief program a couple of d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I recently retired from 27 years in a public school system (speech language pathologist). I will now be providing part-time/short-term speech services to public schools as a W9 employee - covering ma...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: So I’m currently 17 years old, and I was recently accepted into a university early decision. I looked onto my college’s website, and I found out that my tuition will be about $80k a year (including ho...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hello Redditors, I need your advice on how to invest or use my savings money in order to further increase and gain more money. I currently have $30K which I absolutely do not need, and wanted some ad...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: So I just noticed that in my 401k account, excluding the employer match, I have contributed $20,700. Is this something that I should worry about? ### Answer: Your concern might be related to the annua...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hello PF, I'm looking for guidance on how to allocate funds, as I will be fully funding my Roth IRA next week. I currently have a Roth IRA and a brokerage account through Charles Schwab. My current R...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: If I cant transfer the stock sale proceeds till January 3 will I be flagged as not having taken the RMD for 2022. Thanks for your help! ### Answer: The Required Minimum Distribution (RMD) rules manda...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking to buy a 1st home. Wanting to know if there is anyone who had recently bought a home and what rates did you find? Looking to buy in suffolk county. Willing to wait to see if rates end up comin...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: ​ I would purchase new-issued t-bills (e.g. 01/03/2023) at Fidelity (but never did it before). Questions: 1. Announcement day is Jan 3, and auction day is Jan 4. What time (and clock e.g...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Over the last year, I have paid off 85% of my CC debt, freeing up some of my income to pay debts/save. I am conflicted whether it makes more sense for me to aggressively pay down my private student lo...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Is anyone aware of an application or service which allows your direct deposit or other sources of income to be automatically routed through various bank accounts upon receipt? I know one exists as I w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I recently got a credit card with discover an was told that my statements would be due on the 4th if every month. But since I’m confused I’m not sure how it works, what does it mean when is like -100?...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have an long forgotten SERPS pension that I can access at 55. It's my only pension plan. It's currently worth 120K. I'd like to withdraw 25% tax free at 55 and then leave the rest invested to use wh...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have I bonds in a gift box that we’re supposed to go to a family member. Sadly that family member has passed away. Unfortunately when I purchased the bond, I did not name myself as the beneficiary....
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: From what I've read, making a lump sum contribution to a Roth IRA is the slightly preferred method for hitting the yearly contribution limits. I can understand the reasoning behind this. The part that...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hello, I'm looking for a loan calculator with input variables of loan amount, monthly or biweekly payments, and interest rate. With the solved values being time it will take to pay off the loan and th...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I am trying to set up a system of spreadsheets to track our financial picture. The programs like Quicken that I've used in the past are overly complicated and require lots of maintenance. One thing ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Household income is projected to be within a few thousand dollars of the Roth IRA income limit. I'm just wondering what my plan should be. Trying to decide between DCAing to IRA then backdoor into ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hello, I am a total noob at investing. I have read the faqs, how to select investments for your 401k, how to approximate the stock market, etc. but there are still things that go over my head. Our co...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I have recently gotten a new job as a software engineer where I went from a $95,300 base plus about $12k in bonus (it varied) to a $125k base, $10,000 sign-on bonus, and up to 10% yearly bonus (depend...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: As the title states I took out a personal loan about 6 months ago to purchase a piece of equipment. Total principal left on the loan is sitting shy of $18,000. I have since sold the piece of equipmen...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I recently moved to Washington state and I have been staying with my brother and I used his address for the time being. I am going to be staying short term in an Airbnb and the owner is not comforta...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I ordered a 2023 Jeep Wrangler and it will be here in two weeks. Out the door price is $36,500. I saved up the cash to just buy it outright but want to see if any other options. My credit score is 710...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: My wife and I (both early 30's) are finally in a place where we're making decent money (gross $120,000). We do not own a house, nor have kids. There are a few things I want to start doing, but am not ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Origins from Iceland, 20m. I am new to investing and barely know anything about it. I am going to college in the United States and will take a student loan from an Icelandic loan institution, and I w...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: A while back I used a software whose name I can no longer remember. It was a free to use software that some good Samaritan developed and hosted and was a pretty straightforward system for inputting in...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Backstory: A few years ago, we sold enough stock to buy a house. Something like $250k. After doing our taxes for that year, the CPA made a comment to my wife along the lines of "if this happens a sec...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: My husband financed a van for his business last January. February we contacted the dealership as there was some issues with the van and scheduled a time to bring it in. He arrives and they told them t...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: I opened couple of cds with discover last year for a year term. Looking back I could of sworn the interest rate was good. Now looking at it there's 1.5 and 1.8% currently which is waaay lower than my ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Since the tax brackets are changing (and not for the better 🫠) for 2024, should we be putting more money into a pretax retirement account vs. our Roth IRAs? We are currently comfortably in the 12% ...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Hello everyone. My fiancé worked at Northwestern Mutual as a financial advisor for part of this year before quitting in November. He has received an invoice for “reversed policies” stating he had to...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Both wife and I dropped credit scores without any late payments and not extravagant spending, anyone know why that could be? ### Answer: There could be several reasons why your credit score may have d...
Below is an instruction that describes a task. Write a response that appropriately completes the request. ### Question: Looking for some advice around what retirement and then investing beyond that, specifically the investment vehicles for myself and for my business (no employees). In two weeks I start a new job (ful...