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1cjrwe9 | $ORGN - anyone holding? | Gap to fill till 4$
Resistance at 1.50-2.. if it can break that it would begin to fill the gap up to 4 | 1,714,796,801 | 2024-05-04 04:26:41 | PaperHandedBear | 4 | 9 | 0.63 | :snoo_dealwithit: General Discussion :snoo_dealwithit: | /r/pennystocks/comments/1cjrwe9/orgn_anyone_holding/ | pennystocks | 3m | |
1cjfdyz | 🚀Forge Global $FRGE earnings, Pelosi buying private stock thru them🚀 |
Forge Global is a company that sells private stock to investors (most trades aren't open to retail) The only way to buy Databrick private shares. FRGE takes a 5% cut for every investment made.
FRGE's investor presentations [PowerPoint Presentation (q4cdn.com)](https://s29.q4cdn.com/699473945/files/doc_financials/202... | 1,714,759,881 | 2024-05-03 18:11:21 | Ithurtscomingout | 13 | 13 | 0.88 | 𝑺𝒕𝒐𝒄𝒌 𝑰𝒏𝒇𝒐 :stonk: | /r/pennystocks/comments/1cjfdyz/forge_global_frge_earnings_pelosi_buying_private/ | https://www.reddit.com/r/pennystocks/comments/1cjfdyz/forge_global_frge_earnings_pelosi_buying_private/ | pennystocks | 3m |
1ci1lc1 | BNED- caught in the drop, Hold? | I was curious about this one. Got in at .57, tried to catch the $1 and here I am. Very small investment and seems to hover around .20ish. Lost cause, take my losses? Don't enjoy donating, feel like I am chasing ghosts. | 1,714,608,464 | 2024-05-02 00:07:44 | Sufficient-Pick-2862 | 9 | 4 | 0.72 | :snoo_dealwithit: General Discussion :snoo_dealwithit: | /r/pennystocks/comments/1ci1lc1/bned_caught_in_the_drop_hold/ | pennystocks | 3m | |
1chm2kl | ABDN LN Equity | SHARING MY EXPERIENCE AND THOUGHTS.
I held some stocks of ABDN ln for years. Nothing too important.
Recently the price has tumbled down quite a lot but I still think this is a little gem and have invested a lot more on it now.
At a price of 146 GBp (I bought at 136) this stock yields 10% in dividends (14.6 GBp yearl... | 1,714,569,773 | 2024-05-01 13:22:53 | Additional_Bell_7395 | 0 | 1 | 0.5 | :Bagger: 𝗕𝘂𝗹𝗹𝗶𝘀𝗵 :Bullish: | /r/pennystocks/comments/1chm2kl/abdn_ln_equity/ | https://www.reddit.com/r/pennystocks/comments/1chm2kl/abdn_ln_equity/ | pennystocks | 3m |
1jb5ufa | Quest Resource Holding Corp (QRHC) | The selloff leading up to earnings raised suspicions, which were confirmed by the results published on Wednesday. Last week, I wrote:
"In fact, **unless recent price action is signaling an undisclosed adverse development**, its soon-to-be-released results and/or commentary should confirm the ongoing ramp of severa... | 1,741,964,251 | 2025-03-14 14:57:31 | realLigerCub | 10 | 3 | 0.99 | Long Thesis | /r/SecurityAnalysis/comments/1jb5ufa/quest_resource_holding_corp_qrhc/ | https://www.reddit.com/r/SecurityAnalysis/comments/1jb5ufa/quest_resource_holding_corp_qrhc/ | SecurityAnalysis | 3m |
1emi520 | Postal Realty Trust - justifying executive compensation | I have actively researching and watching PSTL for the last 2 years a bit after IPO and bought during dips occasionally, but I feel I am having a hard time determine how aligned management is and what is apt compensation.
For context, Andrew Spodek is CEO and he owns 400 postal properties himself, all managed by PSTL (... | 1,723,052,319 | 2024-08-07 17:38:39 | Outside_Ad_1447 | 8 | 2 | 0.91 | Discussion | /r/SecurityAnalysis/comments/1emi520/postal_realty_trust_justifying_executive/ | https://www.reddit.com/r/SecurityAnalysis/comments/1emi520/postal_realty_trust_justifying_executive/ | SecurityAnalysis | 3m |
11nbvon | SMLP – A LEAP on a Publicly Traded LBO | **Foreword**
Every so often I find the time to write up an idea. The last one I shared was CVR Partners which I first wrote up [here](https://www.reddit.com/r/SecurityAnalysis/comments/less8v/cvr_partners_nyseuan_a_coiled_spring/). I’ve followed SMLP for a couple years now and the units have bounced around as the comp... | 1,678,415,094 | 2023-03-10 02:24:54 | startagl063 | 39 | 1 | 0.95 | Long Thesis | /r/SecurityAnalysis/comments/11nbvon/smlp_a_leap_on_a_publicly_traded_lbo/ | https://www.reddit.com/r/SecurityAnalysis/comments/11nbvon/smlp_a_leap_on_a_publicly_traded_lbo/ | SecurityAnalysis | 3m |
10j8xdh | Fonar Corp (FONR): Unlocking Hidden Value in a (Previously Somewhat) Messy Company | **TL;DR**: I think [Fonar Corp (FONR)](https://finance.yahoo.com/quote/FONR?p=FONR) is quite undervalued. Its unconventional share structure and some historical messiness might be a reason for that. However, there are things happening right now which could unlock FONR's hidden value in the near future.
### Disclaimers... | 1,674,467,868 | 2023-01-23 09:57:48 | BeGoodToTheTime | 25 | 7 | 0.85 | Long Thesis | /r/SecurityAnalysis/comments/10j8xdh/fonar_corp_fonr_unlocking_hidden_value_in_a/ | https://www.reddit.com/r/SecurityAnalysis/comments/10j8xdh/fonar_corp_fonr_unlocking_hidden_value_in_a/ | SecurityAnalysis | 3m |
ql8hyi | ($SFL) - Q3 2021 Forecast | ##**Abstract**
Due to the ongoing increases in cargo vessel charter rates during 2021, it is my belief that SFL is significantly undervalued relative to its current price, and will continue to outperform analyst expectations in Q3 2021. My model indicates they will achieve earnings of $0.28/share on a recurring basis ... | 1,635,871,688 | 2021-11-02 16:48:08 | slipperymagoo | 11 | 0 | 0.84 | Long Thesis | /r/SecurityAnalysis/comments/ql8hyi/sfl_q3_2021_forecast/ | https://www.reddit.com/r/SecurityAnalysis/comments/ql8hyi/sfl_q3_2021_forecast/ | SecurityAnalysis | 3m |
krkrlh | Special Situation: Yorkey Optical HK$2788 | **Yorkey Optical (HK:$2788)**
The main business of Yorkey is in the manufacturing and sales of plastic and metallic parts and components of Digital Still Cameras (DSCs), action cameras, copier-based multifunction peripherals, surveillance cameras, projectors and advanced TVs, etc.
The DSC market is a slowly dying bus... | 1,609,926,206 | 2021-01-06 09:43:26 | ireirenospace | 26 | 5 | 0.92 | Special Situation | /r/SecurityAnalysis/comments/krkrlh/special_situation_yorkey_optical_hk2788/ | https://www.reddit.com/r/SecurityAnalysis/comments/krkrlh/special_situation_yorkey_optical_hk2788/ | SecurityAnalysis | 3m |
ki8z2q | (PFMT) Performant Financial: Boring Business but a Diamond in the Rough | Disclaimer: Long time lurker, first time posting there. I plan to long in this company as I became sold on the long term position of the company's growth in the health care sector. This is a minor position (5%) in what is a concentrated (10-15 company) portfolio.
Edit: part 2, addressing other qs: https://reddit.com/r... | 1,608,655,699 | 2020-12-22 16:48:19 | EducationalOlive0 | 111 | 35 | 0.97 | Long Thesis | /r/SecurityAnalysis/comments/ki8z2q/pfmt_performant_financial_boring_business_but_a/ | https://www.reddit.com/r/SecurityAnalysis/comments/ki8z2q/pfmt_performant_financial_boring_business_but_a/ | SecurityAnalysis | 3m |
kfdyur | A brief long thesis to a deep value idea | Hi guys, did a brief analysis on an interesting idea (orphaned stock) that I found in the HK stock market. Would love any feedback and am open to other considerations. This was my VIC application piece. Thankss!
If you are only interested in the main thesis and the numbers, please scroll down to the investment thesi... | 1,608,265,285 | 2020-12-18 04:21:25 | contrarian96 | 52 | 10 | 0.92 | Long Thesis | /r/SecurityAnalysis/comments/kfdyur/a_brief_long_thesis_to_a_deep_value_idea/ | https://www.reddit.com/r/SecurityAnalysis/comments/kfdyur/a_brief_long_thesis_to_a_deep_value_idea/ | SecurityAnalysis | 3m |
keg9eq | (WSTG) Wayside Technology Group Long Thesis at $17.76 | **(WSTG) Wayside Technology Group Long Thesis at $17.76**
Disclaimer: I am long this company. I generally pay up for high-quality compounders with a long runway. While this investment doesn't fit those characteristics of quality, I was driven to the compelling valuation. This is a minor (~5%) position in wh... | 1,608,147,760 | 2020-12-16 19:42:40 | SpoojUO | 8 | 14 | 0.84 | Long Thesis | /r/SecurityAnalysis/comments/keg9eq/wstg_wayside_technology_group_long_thesis_at_1776/ | https://www.reddit.com/r/SecurityAnalysis/comments/keg9eq/wstg_wayside_technology_group_long_thesis_at_1776/ | SecurityAnalysis | 3m |
in9hxy | My pitch on $VLRS, best value investment I’ve ever found, once in a cycle opportunity - coming from a former airlines analyst at a top 5 hedge fund | Thesis: VLRS is an underfollowed and catalyst-rich potential 10-bagger IF you can swallow the fact that its a levered Mexican airline. A best-in-class operator pre-crisis, VLRS is an immediate and long-term COVID beneficiary that has already doubled market share and almost recovered 2019 traffic levels as primary compe... | 1,599,341,652 | 2020-09-05 21:34:12 | Emerld33 | 187 | 119 | 0.91 | Long Thesis | /r/SecurityAnalysis/comments/in9hxy/my_pitch_on_vlrs_best_value_investment_ive_ever/ | https://www.reddit.com/r/SecurityAnalysis/comments/in9hxy/my_pitch_on_vlrs_best_value_investment_ive_ever/ | SecurityAnalysis | 3m |
ijnu6v | GoldSport Discoveries | Let's have a gold talk. In these dire times in which the market gets weirder everyday, commodities seem to be a place to find solace. Gold has been doing good lately and considering the last bullish run it had, it could go on for 3 years. I did a bit a research and tumbled upon [GoldSpot Discoveries Corp.](https://gold... | 1,598,833,197 | 2020-08-31 00:19:57 | gehau | 44 | 8 | 0.89 | Thesis | /r/SecurityAnalysis/comments/ijnu6v/goldsport_discoveries/ | https://www.reddit.com/r/SecurityAnalysis/comments/ijnu6v/goldsport_discoveries/ | SecurityAnalysis | 3m |
i9cqqt | Quick Take on Xeris Pharma (XERS) | Disclaimer: I am LONG equity. Please do due diligence. This is based off of 60 minutes of quick analysis.
**Company Overview**
Xeris is a spec pharma company founded in 2005. Their primary scope of work involves developed injectable and infusible drugs.
**2019-Present: Product Launch**
Their first product was appro... | 1,597,368,507 | 2020-08-14 01:28:27 | discounted_cash_flow | 32 | 28 | 0.91 | Long Thesis | /r/SecurityAnalysis/comments/i9cqqt/quick_take_on_xeris_pharma_xers/ | https://www.reddit.com/r/SecurityAnalysis/comments/i9cqqt/quick_take_on_xeris_pharma_xers/ | SecurityAnalysis | 3m |
i2fqqb | TZOO - travelzoo | **TZOO - Travelzoo**
Current Market Cap: 63.9M
Share Price: 5.65
Shares outstanding: 11.5M
**INTRODUCTION**
Founded in 1998 by Ralph Bartel, Travelzoo is a niche travel and local deal aggregator/advertiser. The logo appears unchanged since the 1999 internet boom. For two decades, they have published a top 20 lis... | 1,596,388,757 | 2020-08-02 17:19:17 | irad1111 | 16 | 30 | 0.89 | Long Thesis | /r/SecurityAnalysis/comments/i2fqqb/tzoo_travelzoo/ | https://www.reddit.com/r/SecurityAnalysis/comments/i2fqqb/tzoo_travelzoo/ | SecurityAnalysis | 3m |
hdup4o | Zytronic plc investment thesis | **Disclaimer**
I own shares in Zytronic. As always, this is all just my interpretation and could be completely wrong, I'm sharing to hear (preferably constructive) critical feedback from others. Always do your own research.
**Business Overview**
Zytronic plc are a UK based commercial touch screen manufacturer (thin... | 1,592,840,629 | 2020-06-22 15:43:49 | amusinghawk | 1 | 2 | 0.55 | Long Thesis | /r/SecurityAnalysis/comments/hdup4o/zytronic_plc_investment_thesis/ | https://www.reddit.com/r/SecurityAnalysis/comments/hdup4o/zytronic_plc_investment_thesis/ | SecurityAnalysis | 3m |
hbx6ht | ScS Investment Thesis | **Update 22/6:** I decided not to invest in the end. I still believe the margin of safety is there, but I don't think the risk/reward payoff is as good as a couple of other companies I've been considering. The major shareholder selling off shares came very quickly after the very long-standing CEO announced his retireme... | 1,592,556,363 | 2020-06-19 08:46:03 | amusinghawk | 2 | 9 | 0.75 | Long Thesis | /r/SecurityAnalysis/comments/hbx6ht/scs_investment_thesis/ | https://www.reddit.com/r/SecurityAnalysis/comments/hbx6ht/scs_investment_thesis/ | SecurityAnalysis | 3m |
ha7e3b | THTX - the micro cap you haven't heard of | I'm going to give y'all my attempt at summarizing THTX. I'm long.
Not a quick flip necessarily – hold medium and long: Theratechnologies is a commercial-stage biopharmaceutical headquartered in Montreal, Quebec, Canada.
Taken from Q1 fins:
23M cash
68M current assets (110M assets)
31M current liabilities (90M lia... | 1,592,325,182 | 2020-06-16 16:33:02 | notdoingdrugs | 14 | 2 | 0.95 | Long Thesis | /r/SecurityAnalysis/comments/ha7e3b/thtx_the_micro_cap_you_havent_heard_of/ | https://www.reddit.com/r/SecurityAnalysis/comments/ha7e3b/thtx_the_micro_cap_you_havent_heard_of/ | SecurityAnalysis | 3m |
d5frlr | Best of the Best plc | BOTB
Best of the Best plc is an online gaming company with essentially one game- players pay around £1 for entry to guess where a football (that has been photoshopped out) should appear in a photo. A panel then also guess where the ball should be and whoever guesses closest to the judges wins the prize- mostly luxury ... | 1,568,720,623 | 2019-09-17 11:43:43 | amusinghawk | 5 | 4 | 0.86 | Long Thesis | /r/SecurityAnalysis/comments/d5frlr/best_of_the_best_plc/ | https://www.reddit.com/r/SecurityAnalysis/comments/d5frlr/best_of_the_best_plc/ | SecurityAnalysis | 3m |
cikm7j | Gym Group Long Thesis | The Gym Group (LSE:GYM) operate 166 (158 at the end of 2018) low cost gyms in the UK with 89 sites at maturity at the end of 2018 with 74 at the end of 2017. They have around 750,000 members.
The only other major player in the low cost gym industry in the UK to note is PureGym, who operate 222 gyms with 1,000,000+ mem... | 1,564,250,074 | 2019-07-27 17:54:34 | amusinghawk | 27 | 20 | 0.87 | Long Thesis | /r/SecurityAnalysis/comments/cikm7j/gym_group_long_thesis/ | https://www.reddit.com/r/SecurityAnalysis/comments/cikm7j/gym_group_long_thesis/ | SecurityAnalysis | 3m |
9af9lg | Mulberry Short Thesis | **Company Overview**
Mulberry is a UK based luxury fashion company that makes leather goods (90% of revenue), mainly handbags (70%). The company was founded in 1971, employs 1,400 FTE (mostly in the UK) and makes approx. 50% of handbags at two Somerset factories, employing 650 FTE. The rest of production is outsourced... | 1,535,287,493 | 2018-08-26 12:44:53 | amusinghawk | 14 | 14 | 0.85 | Short Thesis | /r/SecurityAnalysis/comments/9af9lg/mulberry_short_thesis/ | https://www.reddit.com/r/SecurityAnalysis/comments/9af9lg/mulberry_short_thesis/ | SecurityAnalysis | 3m |
8x2hbr | Q2 2018 Letters & Reports | Investment Firm | Date Posted
---|---
[Absolute Return Partners](https://www.arpinvestments.com/arl/the-italian-job)| July 8
[Axiom Asia on Xi Xinping](http://axiomasia.com/wp-content/uploads/2018/06/Axiom-Asia-Newsletter-Xi-Thought-and-What-it-Means-for-Investors-in-Asia.pdf)| July 8
[Barclays Global Outlook](https://... | 1,531,066,244 | 2018-07-08 16:10:44 | Beren- | 101 | 114 | 0.95 | Investor Letter | /r/SecurityAnalysis/comments/8x2hbr/q2_2018_letters_reports/ | https://www.reddit.com/r/SecurityAnalysis/comments/8x2hbr/q2_2018_letters_reports/ | SecurityAnalysis | 3m |
7j4iuy | Help Needed! Cannot reproduce calculations on Damodaran's 3M valuation in the Little Book of Valuation | As the title says. I essentially have trouble reproducing the numbers Damodaran calculates for 3M from their 2007 financial statement, in his "Little Book of Valuation":
https://www.sec.gov/Archives/edgar/data/66740/000110465908011226/a08-2453_110k.htm
Some are too substantial to be mere rounding errors.
I'm putting... | 1,513,020,174 | 2017-12-11 19:22:54 | falldownreddithole | 8 | 11 | 0.75 | Question | /r/SecurityAnalysis/comments/7j4iuy/help_needed_cannot_reproduce_calculations_on/ | https://www.reddit.com/r/SecurityAnalysis/comments/7j4iuy/help_needed_cannot_reproduce_calculations_on/ | SecurityAnalysis | 3m |
58fvp5 | Games Workshop | This is my first public post of a security analysis, looking for advice on metrics and technique.
Games Workshop creates Warhammer figurines. Some moat is derived from their lore (story line) which is a fantasy story and locks in customers to the game. They seem to me to be a simple company to analyse: all profit for ... | 1,476,954,122 | 2016-10-20 09:02:02 | RupertE | 6 | 5 | 0.88 | Thesis | /r/SecurityAnalysis/comments/58fvp5/games_workshop/ | https://www.reddit.com/r/SecurityAnalysis/comments/58fvp5/games_workshop/ | SecurityAnalysis | 3m |
48uocj | What prohibits a hedge fund manager from enriching himself by acquiring a controlling stake in a company with his investors' money and paying himself out a salary from the company in question? | I'm asking because I stumbled upon a bit of a special but interesting situation (OTC ticker: SDOI) and I'm genuinely wondering what can go wrong here and how I might be getting screwed as a minority shareholder.
So let me describe this situation briefly.
SDOI is a little shell company with ~23 M in cash and ~21M shar... | 1,457,048,349 | 2016-03-03 23:39:09 | Twentey | 11 | 6 | 0.92 | Question | /r/SecurityAnalysis/comments/48uocj/what_prohibits_a_hedge_fund_manager_from/ | https://www.reddit.com/r/SecurityAnalysis/comments/48uocj/what_prohibits_a_hedge_fund_manager_from/ | SecurityAnalysis | 3m |
3gckuq | Let's take a look at Bakkafrost (my third analysis) [xpost from r/investing] | **Bullet points**
Financially solid salmon producer with strong management in place
Good and sustainable dividend yield (currently yielding ~3%)
Several potential catalysts in place
Upside of 20% based on DAOE model
**Bakkafrost**
Bakkafrost is a Faroese salmon producer listed on the Millennium Oslo Stock... | 1,439,128,184 | 2015-08-09 13:49:44 | ScandinavianValue | 23 | 15 | 0.92 | Long Thesis | /r/SecurityAnalysis/comments/3gckuq/lets_take_a_look_at_bakkafrost_my_third_analysis/ | https://www.reddit.com/r/SecurityAnalysis/comments/3gckuq/lets_take_a_look_at_bakkafrost_my_third_analysis/ | SecurityAnalysis | 3m |
1jtbyt | Quick and Dirty Washington Post Valuation | Some people may wonder why so many M&A transactions are posted in this sub. M&A transactions often have interesting wrinkles that expose undervalued securities. I particularly focus on divestitures as they can materially change the balance sheet and earnings/cash flow profile of a company. Many times I'll do a quick an... | 1,375,801,417 | 2013-08-06 15:03:37 | currygoat | 28 | 2 | 0.98 | Thesis | /r/SecurityAnalysis/comments/1jtbyt/quick_and_dirty_washington_post_valuation/ | https://www.reddit.com/r/SecurityAnalysis/comments/1jtbyt/quick_and_dirty_washington_post_valuation/ | SecurityAnalysis | 3m |
1lqeih6 | How can I help my friend? | I have a long time friend who is 77 years old, running out of her retirement money in the next 2-3 years. I don’t think her SS is enough to live on after her savings are gone. The other day she mentioned looking into a reverse mortgage, but her apartment is probably only worth about $200,000 (no mortgage). She’s also ... | 1,751,510,385 | 2025-07-03 02:39:45 | EJB54321 | 1 | 2 | 0.55 | Retirement | /r/personalfinance/comments/1lqeih6/how_can_i_help_my_friend/ | https://www.reddit.com/r/personalfinance/comments/1lqeih6/how_can_i_help_my_friend/ | personalfinance | 3m |
1lils4l | Pay down principal or invest | Hi all,
I just bought a home for $2.0M with $1.3M down, $700k 7-ARM mortgage @ 5.875%. Property tax + insurance + HOA totals ~$4900/mo. Annual gross household income is ~$250k. ~200k in inherited IRA and ~150k in cash remaining.
I was originally planning to put $1.4M down but got a much better rate with $1.3M. Should... | 1,750,697,512 | 2025-06-23 16:51:52 | slashflame | 0 | 35 | 0.25 | Investing | /r/personalfinance/comments/1lils4l/pay_down_principal_or_invest/ | https://www.reddit.com/r/personalfinance/comments/1lils4l/pay_down_principal_or_invest/ | personalfinance | 3m |
1ligw5l | IHT gifting to kids question | Hi
Throwaway account as I realise this is an odd situation which not everyone may be in.
Our father told us recently that he has £3m in cash and assets and had spoke to an IFA last year who said he needs to consider doing something with as he will face IHT.
His house is worth around £400k so the majority of it sit... | 1,750,686,084 | 2025-06-23 13:41:24 | Negative-Swimming126 | 1 | 2 | 1 | Other | /r/personalfinance/comments/1ligw5l/iht_gifting_to_kids_question/ | https://www.reddit.com/r/personalfinance/comments/1ligw5l/iht_gifting_to_kids_question/ | personalfinance | 3m |
1li27vc | Keep or cancel whole life insurance? | So im 40, wife 39. 2 kids under 5.
Dont plan to retire until 55.
NW $5m. About $800k is retirement accounts. $3m in taxable brokerage account primarily index funds. Rest is real estate which I haven't paid off due to low rates. Have 529s for the kids as well at $5000 a year each. No other debt and live very mode... | 1,750,636,093 | 2025-06-22 23:48:13 | Excellent_Fix_4583 | 0 | 25 | 0.35 | Insurance | /r/personalfinance/comments/1li27vc/keep_or_cancel_whole_life_insurance/ | https://www.reddit.com/r/personalfinance/comments/1li27vc/keep_or_cancel_whole_life_insurance/ | personalfinance | 3m |
1lcc309 | Paying cash or VA loan on new home? | Hello,
Racking my brain over how best to pay for new home (approx. $700k). For starters, I am 64, VA (disability) loan eligible, about $12,000 per month income (pension + SS), approx. $650k in brokerage account, and right at $3m in 401k's.
Although pre-approved for $800k mortgage (at 6.5%), I prefer to be debt free ... | 1,750,024,280 | 2025-06-15 21:51:20 | No_Contact_9448 | 1 | 7 | 1 | Housing | /r/personalfinance/comments/1lcc309/paying_cash_or_va_loan_on_new_home/ | https://www.reddit.com/r/personalfinance/comments/1lcc309/paying_cash_or_va_loan_on_new_home/ | personalfinance | 3m |
1lc6h4e | Diversifying My Portfolio? 21 Years Old | Hello Everyone,
about to be 21 and have around $240000 solely in NVIDIA. Looking for some advice on next steps, do I continue to hold to avoid taxes on unrealized gains around $45k? Do I consider buying a house? Do I diversify my portfolio? For context I live in the bay area and an average house cost 1.3m. So it’s pre... | 1,750,009,983 | 2025-06-15 17:53:03 | Stucktothegame | 0 | 9 | 0.31 | Investing | /r/personalfinance/comments/1lc6h4e/diversifying_my_portfolio_21_years_old/ | https://www.reddit.com/r/personalfinance/comments/1lc6h4e/diversifying_my_portfolio_21_years_old/ | personalfinance | 3m |
1l7i5h5 | Should I upgrade my house? | Background information:
-Gross household income is $210,000
-Current $50,000 15 year mortgage at 2.25% with 11 years remaining. Total monthly housing cost including property maintenance, mortgage, and insurance and tax is $1,667.
-No other debt
-Currently saving $2500 per month in retirement with $650,000 saved spe... | 1,749,507,145 | 2025-06-09 22:12:25 | Rrudolp4 | 0 | 18 | 0.5 | Housing | /r/personalfinance/comments/1l7i5h5/should_i_upgrade_my_house/ | https://www.reddit.com/r/personalfinance/comments/1l7i5h5/should_i_upgrade_my_house/ | personalfinance | 3m |
1l4yi1k | Need Advice - Inheritance | Hi everyone! First time post, long time lurker. As the title says, my husband is set to inherit a large amount and I want to get some advice from unbiased strangers.
First - my husband (36) has always treated his family's money as OURS, and I (29) do the same with any money on my family's side. My husband wishes to ma... | 1,749,231,498 | 2025-06-06 17:38:18 | Lolee-6044 | 1 | 16 | 0.53 | Investing | /r/personalfinance/comments/1l4yi1k/need_advice_inheritance/ | https://www.reddit.com/r/personalfinance/comments/1l4yi1k/need_advice_inheritance/ | personalfinance | 3m |
1l3m5uh | Sell VS continue renting |
Hi, I've noticed a trend saying is selling is better for SFH landlord (1 property) but my mathing is failing me for my situation. Especially when I'm netting around 2% gain on the property.
House value: 1.3m
Mortgage: 300k
Purchased: 535k
I am within the primary residence for 2 out of last 5 years window.
If... | 1,749,084,756 | 2025-06-05 00:52:36 | redditraionz | 0 | 4 | 0.25 | Housing | /r/personalfinance/comments/1l3m5uh/sell_vs_continue_renting/ | https://www.reddit.com/r/personalfinance/comments/1l3m5uh/sell_vs_continue_renting/ | personalfinance | 3m |
1kzjna2 | High credit line HELOC lender recommendation | Most HELOC have a $1M max credit line. Are there any lenders who give a higher credit line of $2M assuming there is more than $3M in home equity, low debt/income ratio and credit worthiness. Please let me know. | 1,748,650,226 | 2025-05-31 00:10:26 | trader_dad | 0 | 2 | 0.4 | Credit | /r/personalfinance/comments/1kzjna2/high_credit_line_heloc_lender_recommendation/ | https://www.reddit.com/r/personalfinance/comments/1kzjna2/high_credit_line_heloc_lender_recommendation/ | personalfinance | 3m |
1kv69un | Is retirement at 57/58 for me a realistic possibility? | 51M. Married (wife worked earlier but has been a SAHM since kids came). Two kids - one starting college in a couple of months, the other 2 years after that.
\- $2.4M in retirement accounts.
\- House valued at $750K and fully paid off.
\- Two cars, fully paid off.
\- No debt.
\- MCOL location.
I had always plann... | 1,748,189,570 | 2025-05-25 16:12:50 | Illustrious-Yak-363 | 56 | 97 | 0.64 | Retirement | /r/personalfinance/comments/1kv69un/is_retirement_at_5758_for_me_a_realistic/ | https://www.reddit.com/r/personalfinance/comments/1kv69un/is_retirement_at_5758_for_me_a_realistic/ | personalfinance | 3m |
1krobyd | Any benefit to putting less down payment on a house? | My wife might have an upcoming job relocation opportunity (I work from home so can easily move), and it's fairly enticing to sell our current home in CA that post-sale would leave us with \~$500k. We'd be moving to an area where we could re-buy in the $600k-$700k range. Is there any reason I wouldn't want to put down a... | 1,747,798,745 | 2025-05-21 03:39:05 | TuggNChugg | 0 | 5 | 0.5 | Housing | /r/personalfinance/comments/1krobyd/any_benefit_to_putting_less_down_payment_on_a/ | https://www.reddit.com/r/personalfinance/comments/1krobyd/any_benefit_to_putting_less_down_payment_on_a/ | personalfinance | 3m |
1kp5lly | Are investments doing well or should look to change? | Not sure if this is the correct subreddit to post this. Please advise. So the wifes(29) been with her company for about 5 years now. We recently looked at her investment portfolio on T.R. Price and with the new administration in we think perhaps we should make some changes(or maybe even none at all). I'm aware we shoul... | 1,747,522,489 | 2025-05-17 22:54:49 | Merls65 | 1 | 2 | 0.6 | Other | /r/personalfinance/comments/1kp5lly/are_investments_doing_well_or_should_look_to/ | https://www.reddit.com/r/personalfinance/comments/1kp5lly/are_investments_doing_well_or_should_look_to/ | personalfinance | 3m |
1kobzg8 | Is MCOL Retirement Unattainable For Me? | I'm a 25 yo male with an inherited home worth around 200-250k. My fiancée and I both make good money, but we have high expenses due to some decisions made out of haste when younger. For starters, we have a horse. That's a good few grand a year right there, alone. She got the horse when she was 17, having grown up with ... | 1,747,429,866 | 2025-05-16 21:11:06 | WanderedExistence | 0 | 21 | 0.33 | Retirement | /r/personalfinance/comments/1kobzg8/is_mcol_retirement_unattainable_for_me/ | https://www.reddit.com/r/personalfinance/comments/1kobzg8/is_mcol_retirement_unattainable_for_me/ | personalfinance | 3m |
1kfannz | Can my husband retire based on the following ? | His pension is based on half of his final average salary so his gross pension per year would be $130,000.
The pension is state tax free but there are federal taxes on it.
He also has $250,000 in excess pension fund that pays 8.25% a year guaranteed until he retires and would take that as a lump sum or annuitize it.
... | 1,746,448,948 | 2025-05-05 12:42:28 | Comicalacimoc | 0 | 59 | 0.24 | Retirement | /r/personalfinance/comments/1kfannz/can_my_husband_retire_based_on_the_following/ | https://www.reddit.com/r/personalfinance/comments/1kfannz/can_my_husband_retire_based_on_the_following/ | personalfinance | 3m |
1keunua | Mother-In-Law Needs To Move In With U.S…But We Need A New House… | My elderly mother-in-law is 89 and is slipping a bit physically and now needs to now move in with us. Which is thoroughly fine, she’s delightful, but our current house is very sub-optimal for her. Lots of stairs, already cramped, far from her friends and bridge groups. We probably need to sell it and buy a new one…p... | 1,746,393,374 | 2025-05-04 21:16:14 | SimionMcBitchticuffs | 76 | 40 | 0.75 | Housing | /r/personalfinance/comments/1keunua/motherinlaw_needs_to_move_in_with_usbut_we_need_a/ | https://www.reddit.com/r/personalfinance/comments/1keunua/motherinlaw_needs_to_move_in_with_usbut_we_need_a/ | personalfinance | 3m |
1kej1tn | About to get laid off, need perspective | I'm (37F) about to get laid off. I'm going down a mental rabbit hole and need perapective. I make $200k, my husband another $100k, and we make about $100k (net) in rental income, with our rental properties valued at just over $3M.
We have $250k invested outside rental properties and another $200k in HYSA.
Mortgage, i... | 1,746,362,998 | 2025-05-04 12:49:58 | Plus_Membership_5449 | 0 | 12 | 0.1 | Planning | /r/personalfinance/comments/1kej1tn/about_to_get_laid_off_need_perspective/ | https://www.reddit.com/r/personalfinance/comments/1kej1tn/about_to_get_laid_off_need_perspective/ | personalfinance | 3m |
1kcx2ww | Should I refinance the house? | $393k left on the mortgage, house is currently valued at $1.3m. Bought in 2019 for $550k, the higher valuation is due to the desirable coastal location. We have a 3.5% rate.
Would there be any obvious benefits to doing so? I'm sure we won't get a rate lower than what we currently have, right? Obviously wouldn't mind a... | 1,746,179,574 | 2025-05-02 09:52:54 | jakelorefice | 0 | 8 | 0.25 | Housing | /r/personalfinance/comments/1kcx2ww/should_i_refinance_the_house/ | https://www.reddit.com/r/personalfinance/comments/1kcx2ww/should_i_refinance_the_house/ | personalfinance | 3m |
1kapohf | Does this home purchase seem reasonable? | About to make offer on dream home, more than we want to spend but feels necessary in this market. Does this seem reasonable to folks?:
- $1.3M price, planning to put 40% down to avoid jumbo loan assuming that will be a higher interest rate (NY state) - expected PITI between $6-7K depending on final interest rate
- $475... | 1,745,937,893 | 2025-04-29 14:44:53 | Mountain-Fox6229 | 0 | 13 | 0.25 | Housing | /r/personalfinance/comments/1kapohf/does_this_home_purchase_seem_reasonable/ | https://www.reddit.com/r/personalfinance/comments/1kapohf/does_this_home_purchase_seem_reasonable/ | personalfinance | 3m |
1ka2w9l | Hiring a Financial Advisor without Investment Support - is that a thing? | This may be a dumb question so apologies if so. My wife and I are considering retaining a financial advisor/planner. We (36 YOs) have 2 young kids, a relatively HHI ($500k) & NW ($2.5-$3M). With fairly high annual expenses to manage and long-term planning (529s, retirement, potential real estate investments etc.), we f... | 1,745,865,156 | 2025-04-28 18:32:36 | AliveMorning4843 | 1 | 7 | 0.67 | Investing | /r/personalfinance/comments/1ka2w9l/hiring_a_financial_advisor_without_investment/ | https://www.reddit.com/r/personalfinance/comments/1ka2w9l/hiring_a_financial_advisor_without_investment/ | personalfinance | 3m |
1k5jyb6 | Donor Advised Fund to offset Roth conversion now to reduce tax liability in the future? | I’m looking to lower future tax burden by lump converting ~200k to Roth that was traditionally invested when I needed the tax break, and my advisor suggested a donor advised fund to offset current tax burden, somewhere between 100-200k into DAF. My simple math makes it seem like even though we lose 100-200k principal, ... | 1,745,362,125 | 2025-04-22 22:48:45 | muppet_lunch | 1 | 17 | 0.67 | Retirement | /r/personalfinance/comments/1k5jyb6/donor_advised_fund_to_offset_roth_conversion_now/ | https://www.reddit.com/r/personalfinance/comments/1k5jyb6/donor_advised_fund_to_offset_roth_conversion_now/ | personalfinance | 3m |
1k1e926 | Advice: from VHNW to UHNW | Hello everyone.
First off, thanks for the quality of conversation here. I find this community constructive and thoughtful, and I appreciate it. I'd like to share a bit of context before asking for advice.
\- I am a 31M, EU citizen, working as a Data Engineer for a major central bank in Europe. I hold 3 STEM Master's ... | 1,744,900,288 | 2025-04-17 14:31:28 | Bandicoot175 | 0 | 6 | 0.33 | Other | /r/personalfinance/comments/1k1e926/advice_from_vhnw_to_uhnw/ | https://www.reddit.com/r/personalfinance/comments/1k1e926/advice_from_vhnw_to_uhnw/ | personalfinance | 3m |
1k0mlfc | Borrowing against life insurance for college? | Reposting without links
I watched a presentation that boils down to investing your 529 or other college savings into a life insurance policy, then borrowing against that policy as it grows at 6% to pay for your kids college.
So instead of depleting tax free funds that count as income (excluding your kid from some sch... | 1,744,815,742 | 2025-04-16 15:02:22 | heiscbus | 0 | 12 | 0.5 | Insurance | /r/personalfinance/comments/1k0mlfc/borrowing_against_life_insurance_for_college/ | https://www.reddit.com/r/personalfinance/comments/1k0mlfc/borrowing_against_life_insurance_for_college/ | personalfinance | 3m |
1k0lu1l | Financial Guidance - WWYD in this situation? | I'm looking for input on how to think about large financial decisions more holistically, especially related to a potential home purchase. I have a few key questions:
1. How much is reasonable to spend on a house? Would \~$1.5M be appropriate given our situation?
2. How do people plan for future lifestyle changes, for ... | 1,744,813,841 | 2025-04-16 14:30:41 | datadatadataa | 1 | 6 | 1 | Planning | /r/personalfinance/comments/1k0lu1l/financial_guidance_wwyd_in_this_situation/ | https://www.reddit.com/r/personalfinance/comments/1k0lu1l/financial_guidance_wwyd_in_this_situation/ | personalfinance | 3m |
1jzauuf | Executing buy ,borrow, die strategy through margin loans | I never make posts but I am looking for some input on my financial strategy as it has been hard to get feedback from any of the financial planners I have spoken too. Background:
I am 35 married with a family. Current networth is between 1.15M-1.3M depending on the markets and valuation. I also try to split my net wort... | 1,744,666,877 | 2025-04-14 21:41:17 | AlternativeLynx9056 | 0 | 11 | 0.14 | Debt | /r/personalfinance/comments/1jzauuf/executing_buy_borrow_die_strategy_through_margin/ | https://www.reddit.com/r/personalfinance/comments/1jzauuf/executing_buy_borrow_die_strategy_through_margin/ | personalfinance | 3m |
1jz3j4u | Sell Real Estate Investments and Payoff Off Debt??? | Alright, here's the situation and a breakdown of my financial picture. For background sake, I am 28 years old and I am married with no kids. I own a business that generates around $12m revenue and cash flows around $800-$900k per year. I just acquired this business and you can listen to that story on Acquiring Minds Po... | 1,744,649,059 | 2025-04-14 16:44:19 | Effective-Drink-8197 | 1 | 7 | 0.57 | Planning | /r/personalfinance/comments/1jz3j4u/sell_real_estate_investments_and_payoff_off_debt/ | https://www.reddit.com/r/personalfinance/comments/1jz3j4u/sell_real_estate_investments_and_payoff_off_debt/ | personalfinance | 3m |
1jtfv5f | Buying a house I cannot afford... Should I back out? | Hello, about us:
\- we are 40 year old (husband, wife) with no kids. 6 months in Seattle
\- husband makes 150k annually, while wife makes 40k annually
\- net worth of \~1.6mi invested across taxable index funds, and 401k.
\- currently 1.5bd/2ba apartment costs $2800/month
\- we plan to live next 5 years in th... | 1,744,012,099 | 2025-04-07 07:48:19 | Necessary-Pop-3168 | 0 | 9 | 0.5 | Other | /r/personalfinance/comments/1jtfv5f/buying_a_house_i_cannot_afford_should_i_back_out/ | https://www.reddit.com/r/personalfinance/comments/1jtfv5f/buying_a_house_i_cannot_afford_should_i_back_out/ | personalfinance | 3m |
1jrujpz | Keeping up with the Joneses | I’m too frugal. My wife and I make a combined 450k. 1.3m net worth (primarily retirement and other investments), we are both 30. I just got a promotion (will be another 50k a year) to senior leadership and got “the talk” at work about whether I’d be interested in progressing even higher (they want me to). A lot of earn... | 1,743,824,462 | 2025-04-05 03:41:02 | zippyzap2016 | 0 | 17 | 0.23 | Other | /r/personalfinance/comments/1jrujpz/keeping_up_with_the_joneses/ | https://www.reddit.com/r/personalfinance/comments/1jrujpz/keeping_up_with_the_joneses/ | personalfinance | 3m |
1jpnt77 | Wondering what my parents should do with their cash in the Bank | TLDR: Wondering what my parents should do with $1m+ USD in the Bank
Writing this to seek advice from those wiser than me.
My parents (72M and 62F) have accumulated a significant amount of cash in their lifetimes and are not investment savvy. It is painful to write, but they have always kept their life savings in the... | 1,743,598,342 | 2025-04-02 12:52:22 | Original_Bar1563 | 0 | 8 | 0.17 | Saving | /r/personalfinance/comments/1jpnt77/wondering_what_my_parents_should_do_with_their/ | https://www.reddit.com/r/personalfinance/comments/1jpnt77/wondering_what_my_parents_should_do_with_their/ | personalfinance | 3m |
1ji1k2a | I feel it makes sense to reduce 401k contributions, but does it actually? | 29 M and 28 F with 2 young kids. I make a salary of 90k with a yearly bonus of 8-12k and my company offers a 9% 401k match. I also have a second job that brings in 25-30k per year. My wife makes 60k per year. Total HHI of around 190k in a LCOL area. We have maxed our Roth IRAs and my 401k every year since 2017. We curr... | 1,742,743,000 | 2025-03-23 15:16:40 | Brundonius | 0 | 12 | 0.41 | Retirement | /r/personalfinance/comments/1ji1k2a/i_feel_it_makes_sense_to_reduce_401k/ | https://www.reddit.com/r/personalfinance/comments/1ji1k2a/i_feel_it_makes_sense_to_reduce_401k/ | personalfinance | 3m |
1jf7kkx | Do I Have Too Much In My HYSA? | Hi everyone,
I'm looking for a little advice for my current financial situation.
Quick backstory:
I grew up in a lower middle class household and a broken family (parents divorced at a very young age). I was never taught any financial literacy, and quite frankly I watched my mom spend more than she ever saved. What ... | 1,742,417,753 | 2025-03-19 20:55:53 | M3ANV8 | 1 | 0 | 1 | Investing | /r/personalfinance/comments/1jf7kkx/do_i_have_too_much_in_my_hysa/ | https://www.reddit.com/r/personalfinance/comments/1jf7kkx/do_i_have_too_much_in_my_hysa/ | personalfinance | 3m |
1jdq5ca | Recent High Earners - House Poor | 34M and 37F husband and wife recently started making a lot more money. Working in finance $405k base and an additional $200k in bonus’s. Bought a $1.7m house and put $650k down with a $1.05m mortgage. Put another $300k in renos as the house was unlivable.
Current estimated house equity: $1.3m
401k/IRA - $300k
Checkin... | 1,742,251,489 | 2025-03-17 22:44:49 | jkfsu | 0 | 35 | 0.35 | Housing | /r/personalfinance/comments/1jdq5ca/recent_high_earners_house_poor/ | https://www.reddit.com/r/personalfinance/comments/1jdq5ca/recent_high_earners_house_poor/ | personalfinance | 3m |
1j8qdax | How much house can my spouse and I afford | We're mid 30s with 1 kid and another on the way. Current major assets include our paid off condo (worth about 1.5m), two paid off cars, some retirement/brokerage accounts earmarked for retirement/saings worth a total of 2m. No current loans or liabilities beyond the monthly credit card bill.
Net income about 300k, alt... | 1,741,698,620 | 2025-03-11 13:10:20 | mwiagd | 0 | 5 | 0.33 | Housing | /r/personalfinance/comments/1j8qdax/how_much_house_can_my_spouse_and_i_afford/ | https://www.reddit.com/r/personalfinance/comments/1j8qdax/how_much_house_can_my_spouse_and_i_afford/ | personalfinance | 3m |
1j44t66 | House Buying Sanity Check VHCOL (reposted for rules) | Quick post to seeking a sanity check on financial strategy. Looking at 1.3m range houses in VVHCOL CITY.
Spouse and I have a HHI of ~320k (cash, no stock/bonus factored in) currently. But will have significant increases over the next few years due to our jobs (which are stable/counter cyclical so not worried about p... | 1,741,186,332 | 2025-03-05 14:52:12 | Lecherous_Leech_13 | 0 | 6 | 0.38 | Housing | /r/personalfinance/comments/1j44t66/house_buying_sanity_check_vhcol_reposted_for_rules/ | https://www.reddit.com/r/personalfinance/comments/1j44t66/house_buying_sanity_check_vhcol_reposted_for_rules/ | personalfinance | 3m |
1j2pwvq | Career/financial advice—burnout | Hi everyone—I am feeling extremely burnout in my current tech role. I’m(34M) in management making around 250k a year in a HCOL area. I was the primary caretaker for my wife during her cancer treatments the last three years. She is now on the mend and doing much better. During that time we weren’t married, so legally I ... | 1,741,027,301 | 2025-03-03 18:41:41 | Bright_Ad4922 | 6 | 10 | 0.65 | Employment | /r/personalfinance/comments/1j2pwvq/careerfinancial_adviceburnout/ | https://www.reddit.com/r/personalfinance/comments/1j2pwvq/careerfinancial_adviceburnout/ | personalfinance | 3m |
1j18mt0 | Reinvesting proceeds from 401K to IRA rollover | I'm rolling over a portion of a 401K to an IRA (Approx. $1.3M). To do the rollover, I had to liquidate some investments in the 401K and move the proceeds over as cash. I trying to choose between reinvesting the lump sum in one swoop, especially considering the money was fully invested up to a couple weeks ago, or ph... | 1,740,860,086 | 2025-03-01 20:14:46 | Sea_Conclusion3443 | 2 | 6 | 1 | Other | /r/personalfinance/comments/1j18mt0/reinvesting_proceeds_from_401k_to_ira_rollover/ | https://www.reddit.com/r/personalfinance/comments/1j18mt0/reinvesting_proceeds_from_401k_to_ira_rollover/ | personalfinance | 3m |
1izluhg | Need math help! Should we renovate and add on to make our house comfortable for at least the next ten years, or move to a bigger house? | We live in a medium-to-high cost of living city, and bought our house during peak prices in late 2021. My husband and I together make roughly 300k per year, and net about 14k a month after retirement contributions, taxes, etc. We definitely overpaid for the house in a very competitive market, but have an affordable (fo... | 1,740,678,737 | 2025-02-27 17:52:17 | Big_Squirrel_4223 | 1 | 11 | 1 | Housing | /r/personalfinance/comments/1izluhg/need_math_help_should_we_renovate_and_add_on_to/ | https://www.reddit.com/r/personalfinance/comments/1izluhg/need_math_help_should_we_renovate_and_add_on_to/ | personalfinance | 3m |
1iwhvc9 | Getting Divorced, what is best for me financially? Keeping or selling our house? | Hello I (52F) am getting divorced. My husband has cheated on my repeatedly throughout our marriage and because our two children are out of the house (18F & 20F) I'm finally filing for divorce.
We have both been working for over twenty years. I make about 200K a year and he makes about 120K a year. We bought our hou... | 1,740,337,975 | 2025-02-23 19:12:55 | Old-Ad4266 | 224 | 125 | 0.83 | Housing | /r/personalfinance/comments/1iwhvc9/getting_divorced_what_is_best_for_me_financially/ | https://www.reddit.com/r/personalfinance/comments/1iwhvc9/getting_divorced_what_is_best_for_me_financially/ | personalfinance | 3m |
1ir1hfi | Starting to worry about retirement | Just turned 47 and starting to get worried about where I’ll end up by retirement age. I make $190k/year and am putting 12% of each check into my 401k, which has a balance just north of $210k. I also have around $55k in a HYSA and somewhere around $20k in crypto/individual stocks. Calculators say I’ll be around $2.3m at... | 1,739,737,128 | 2025-02-16 20:18:48 | 3mw | 0 | 29 | 0.22 | Retirement | /r/personalfinance/comments/1ir1hfi/starting_to_worry_about_retirement/ | https://www.reddit.com/r/personalfinance/comments/1ir1hfi/starting_to_worry_about_retirement/ | personalfinance | 3m |
1iqjykh | Making a big career change, need a sanity check | I'm in the midst of making a big career change, opting to leave my corporate job (200k/yr) to pursue entreprenuership. I've done pretty well for myself up to this point, and have about $300k in equities, a rental property that generates $1000/ mo in FCF, and have been incredibly fortunate to have inherited quite a bit ... | 1,739,679,268 | 2025-02-16 04:14:28 | MOC_55 | 0 | 16 | 0.37 | Employment | /r/personalfinance/comments/1iqjykh/making_a_big_career_change_need_a_sanity_check/ | https://www.reddit.com/r/personalfinance/comments/1iqjykh/making_a_big_career_change_need_a_sanity_check/ | personalfinance | 3m |
1iphin8 | Car buying question - can we afford it? | In the US. Married (early 40s), two kids (in elementary).
Pretax income $150k+$100k. NW \~$3m.
Assets
* Primary residence - $780k
* Rentals - $1.6m
* Retirement - $1.3m
* 529s - $100k
* Cash - $130k
* Vehicle #1 - $45k
* Vehicle #2 - $6.7k
Debt
* Primary residence - $0
* Rentals - $800k
* Vehicle #1 - $35k (0%-60... | 1,739,558,233 | 2025-02-14 18:37:13 | No-Media-36179 | 0 | 21 | 0.11 | Auto | /r/personalfinance/comments/1iphin8/car_buying_question_can_we_afford_it/ | https://www.reddit.com/r/personalfinance/comments/1iphin8/car_buying_question_can_we_afford_it/ | personalfinance | 3m |
1inz6du | Debating to sell my rental unit and invest | FYI: I am still learning in regards to proper terms and calculations in regards to real estate investments and stocks.
I currently own a condo in California and recently started renting it out. I bought it in 2021 with a 2.75% interest rate, 20% down ($100K), estimate value is now \~$445K. Currently have \~$280K left ... | 1,739,387,974 | 2025-02-12 19:19:34 | Double-Warning-444 | 1 | 0 | 1 | Investing | /r/personalfinance/comments/1inz6du/debating_to_sell_my_rental_unit_and_invest/ | https://www.reddit.com/r/personalfinance/comments/1inz6du/debating_to_sell_my_rental_unit_and_invest/ | personalfinance | 3m |
1imect6 | Are we overstretching ourselves with buying our first single family home? | Hello!
My wife and I are in the process of purchasing our first single family home, and wanted to gauge whether we are potentially looking at buying too much house for our income.
Current Situation:
\- We are both in our early 30s.
\- Live in a VHCOL area.
\- One of us works full remote, the other is hybrid
... | 1,739,214,973 | 2025-02-10 19:16:13 | Sad-Grape2214 | 1 | 21 | 0.6 | Housing | /r/personalfinance/comments/1imect6/are_we_overstretching_ourselves_with_buying_our/ | https://www.reddit.com/r/personalfinance/comments/1imect6/are_we_overstretching_ourselves_with_buying_our/ | personalfinance | 3m |
1ijajtz | Where to throw extra money.... | Hoping to get some group thought on where to put extra money to best maximize returns. This is after maxing out 401k and Roth contributions.
Investment Property 1: Value 385k Balance 275k Rate 3% 30Yr
Investment Property 2: Value 400k Balance 275k Rate 7% 30Yr
Primary: Value 1.3M Balance 1M Rate Rate 6% 7/6 ARM
HH... | 1,738,868,934 | 2025-02-06 19:08:54 | sphilly_ginzo | 1 | 7 | 1 | Other | /r/personalfinance/comments/1ijajtz/where_to_throw_extra_money/ | https://www.reddit.com/r/personalfinance/comments/1ijajtz/where_to_throw_extra_money/ | personalfinance | 3m |
1ihlcm6 | Retirement Planning at 24 y.o. | I've (24F) been working full time for just over a year and have 49.3k invested for retirement (includes employer contributions). Got me thinking, if I keep investing 37k per year, assume 7% returns, and plan to retire on ~3m, do I need to keep saving for retirement after about 5 years of this? Can I then get a job that... | 1,738,685,778 | 2025-02-04 16:16:18 | Every-Astronomer8757 | 2 | 7 | 1 | Retirement | /r/personalfinance/comments/1ihlcm6/retirement_planning_at_24_yo/ | https://www.reddit.com/r/personalfinance/comments/1ihlcm6/retirement_planning_at_24_yo/ | personalfinance | 3m |
1igw6hg | Reverse mortgage math | Quick scenario: Mother is 86, father is 88 with Parkinson's and dementia. Father has probably a year to live (he's starting to have issues swallowing).
Mother is paying $16,000 per month to full time caregivers (!). She is running out of money quickly and considering a reverse mortgage.
House is fully paid of... | 1,738,607,583 | 2025-02-03 18:33:03 | Three_and_20 | 0 | 12 | 0.17 | Other | /r/personalfinance/comments/1igw6hg/reverse_mortgage_math/ | https://www.reddit.com/r/personalfinance/comments/1igw6hg/reverse_mortgage_math/ | personalfinance | 3m |
1ig0f0e | Which home should we buy? | Hello, I wanted to get some thoughts as to our current situation.
30M and 32F, with first baby due this June. Currently living in HCOL city and looking to move to MCOL suburbs 40 minutes away to be near my parents when the baby comes as my mom will be helping with childcare. We are both remote.
We are debating betwee... | 1,738,512,214 | 2025-02-02 16:03:34 | Anonymouse082020 | 0 | 8 | 0.33 | Housing | /r/personalfinance/comments/1ig0f0e/which_home_should_we_buy/ | https://www.reddit.com/r/personalfinance/comments/1ig0f0e/which_home_should_we_buy/ | personalfinance | 3m |
1i8c7f1 | Interesting situation. Payoff mortgage or invest in stock market. |
Purchased a 1.3M house last year in Florida and have a 950k mortgage at 6.5% 7yr arm. I have 200k extra cash and wondering if I should pay down mortgage or invest. I already have 200k in stocks but I’m concerned the market is at all time highs but I’m also concerned about property values dropping in Florida’s. W... | 1,737,661,793 | 2025-01-23 19:49:53 | UnbrokenChain_JF | 1 | 3 | 1 | Investing | /r/personalfinance/comments/1i8c7f1/interesting_situation_payoff_mortgage_or_invest/ | https://www.reddit.com/r/personalfinance/comments/1i8c7f1/interesting_situation_payoff_mortgage_or_invest/ | personalfinance | 3m |
1i7xr1e | Term Life Insurance with Living Benefits vs (Only Term Life + Separate Disability Insurance) | I am looking to buy a Term life insurance. One thing that I haven't been able to figure out is whether I should go for a Term Life insurance that includes Living Benefits OR just a simple Term Life insurance, and buy separate Disability insurance which covers Long Term Disability (severe accidents, illness etc.) to pro... | 1,737,615,680 | 2025-01-23 07:01:20 | jcosmosstar | 2 | 0 | 1 | Insurance | /r/personalfinance/comments/1i7xr1e/term_life_insurance_with_living_benefits_vs_only/ | https://www.reddit.com/r/personalfinance/comments/1i7xr1e/term_life_insurance_with_living_benefits_vs_only/ | personalfinance | 3m |
1i69ruk | Housing price and net worth: How golden is 30% rule | Hello all,
I would like to get some opinion on how much I should spend on my first home(primary residency). I am a bit torn on financial choices because the housing market in the area I am in is a bit insane and needs most of my money to get a desirable housing. It seems this is a bit typical for people with primary r... | 1,737,431,251 | 2025-01-21 03:47:31 | Koopa1211 | 2 | 4 | 0.75 | Budgeting | /r/personalfinance/comments/1i69ruk/housing_price_and_net_worth_how_golden_is_30_rule/ | https://www.reddit.com/r/personalfinance/comments/1i69ruk/housing_price_and_net_worth_how_golden_is_30_rule/ | personalfinance | 3m |
1i14z7a | 30 - Just Married and Residency | My wife (30 F) and I (30 M) got married April 2024. Bought a house together in May 2024 ($2,770 mortgage escrowed). No kids.
She is now a resident and makes $68k a year. She has $121k in medical school loans at 6.13% interest rate. She started in mid June 2024, so she generated around $36,000 as income this year.
I o... | 1,736,857,782 | 2025-01-14 12:29:42 | gpgtib | 1 | 5 | 0.57 | Debt | /r/personalfinance/comments/1i14z7a/30_just_married_and_residency/ | https://www.reddit.com/r/personalfinance/comments/1i14z7a/30_just_married_and_residency/ | personalfinance | 3m |
1i0kmpl | Looking for advice on investing - what would you do? | Hey everyone, I'm looking for some investing advice.
Here's my background: 39 married, spouse currently working and making about 100k. 150k mortgage @ 2.375%, 11 years left on mortgage. Currently over 350k in equity. No other debt of any kind. Over 275k in various retirement accounts and awarded stock options. I will... | 1,736,792,513 | 2025-01-13 18:21:53 | Far_Background_4998 | 0 | 15 | 0.5 | Investing | /r/personalfinance/comments/1i0kmpl/looking_for_advice_on_investing_what_would_you_do/ | https://www.reddit.com/r/personalfinance/comments/1i0kmpl/looking_for_advice_on_investing_what_would_you_do/ | personalfinance | 3m |
1hn9uex | Should I invest in Real Estate considering my portfolio? | Hi Everyone,
I am seeking investment advice on whether my wife and I are ready to diversify (or even should) in real estate rental properties? I live in CA and I know for this investment to be worthwhile, I probably should do this out of state. I am currently in my early 40s with wife and one daughter who is around ... | 1,735,285,102 | 2024-12-27 07:38:22 | Forsaken-Telephone93 | 1 | 13 | 1 | Investing | /r/personalfinance/comments/1hn9uex/should_i_invest_in_real_estate_considering_my/ | https://www.reddit.com/r/personalfinance/comments/1hn9uex/should_i_invest_in_real_estate_considering_my/ | personalfinance | 3m |
1hl1uqh | Dad Retiring with pension - How much of the rest in equities? | My dad is set to retire at 67 next summer and he's looking to me to help manage he and my mom's retirement portfolio. Some context - my parents are both immigrants, my dad worked a blue collar government job his whole life (my mom on and off doing secretarial type work and/or raising the kids) and both are generally ve... | 1,735,001,248 | 2024-12-24 00:47:28 | Staple_Stable | 3 | 9 | 0.8 | Retirement | /r/personalfinance/comments/1hl1uqh/dad_retiring_with_pension_how_much_of_the_rest_in/ | https://www.reddit.com/r/personalfinance/comments/1hl1uqh/dad_retiring_with_pension_how_much_of_the_rest_in/ | personalfinance | 3m |
1hjys59 | Time to stop maxing out 401(k)? | I’ll be 55 next week. Been maxing it out for a while - even with the “catch-up” contributions. It’s now at ~$2M. Also have a taxable brokerage with ~$3.5M. And a Roth with about $150K. Spouse (52) has a taxable brokerage of about $3M and IRA of $150K.
I may work another 5-10 yrs. We don’t live large. 1 kid in college... | 1,734,875,174 | 2024-12-22 13:46:14 | throwaway-7322098 | 0 | 28 | 0.32 | Retirement | /r/personalfinance/comments/1hjys59/time_to_stop_maxing_out_401k/ | https://www.reddit.com/r/personalfinance/comments/1hjys59/time_to_stop_maxing_out_401k/ | personalfinance | 3m |
1hc1qhk | How much house does it make sense to buy? High savings, decent income | I'm thinking of finally pulling the trigger and buying a home. At the moment I'd consider a 1-2br house as I am single but want to live together with a partner and hopefully have a baby in the next 5 years.
A 2br might stretch it and I should consider upgrading in size when the time comes.
I live in NYC and make arou... | 1,733,945,294 | 2024-12-11 19:28:14 | RightIsMight1615 | 0 | 19 | 0.5 | Housing | /r/personalfinance/comments/1hc1qhk/how_much_house_does_it_make_sense_to_buy_high/ | https://www.reddit.com/r/personalfinance/comments/1hc1qhk/how_much_house_does_it_make_sense_to_buy_high/ | personalfinance | 3m |
1hb4ic1 | 401K (Roth vs. Traditional), Term Life, Financial Strategy - Help! | **\*Long Post Alert\***
Hey guys,
**Background:** 31 years old, married (wife is 29), with a kid on the way. No debt (other than mortgage), decent emergency fund.
I’m an airline pilot – will make about \~230K this year, but my earning potential is going to grow exponentially over the next 10 years. Next year should... | 1,733,845,077 | 2024-12-10 15:37:57 | CC268 | 1 | 0 | 1 | Planning | /r/personalfinance/comments/1hb4ic1/401k_roth_vs_traditional_term_life_financial/ | https://www.reddit.com/r/personalfinance/comments/1hb4ic1/401k_roth_vs_traditional_term_life_financial/ | personalfinance | 3m |
1ha07r7 | Too much house for us? | 49yr old male married to 50 yrs old female living in Northern CA. I'm tentatively planning on retiring at 50 and my wife is planning to retire at 55.
My annual income is 330k. Wife's is 180k. We live in a 1M condo paid off. 2M in brokerage accounts. 2.4M 401k/457b.
My pension of 90k/yr w COLA starts at 50 with 75%... | 1,733,713,691 | 2024-12-09 03:08:11 | Ok_Relation_8484 | 0 | 7 | 0.44 | Housing | /r/personalfinance/comments/1ha07r7/too_much_house_for_us/ | https://www.reddit.com/r/personalfinance/comments/1ha07r7/too_much_house_for_us/ | personalfinance | 3m |
1h9utz8 | Am I Investing too much? | I'm 35 years old and when I look at my projections in calculators of DCA $30K p/m and already having $3M invested the numbers look stupid for when I turn 65. Based on playing with ranges of rate of return it could be $70M to even over $100M.
I'm not much into materials --- i even lived in a van during the pandemic. My... | 1,733,697,383 | 2024-12-08 22:36:23 | Adventurous-Roof1802 | 0 | 44 | 0.25 | Investing | /r/personalfinance/comments/1h9utz8/am_i_investing_too_much/ | https://www.reddit.com/r/personalfinance/comments/1h9utz8/am_i_investing_too_much/ | personalfinance | 3m |
1h7j226 | Why can’t I use “buy borrow die” strategy in my own retirement? | Let’s say I managed to save up a retirement goal of $5M by the time I’m 60. Why can’t I simply take my distributions, put them into a taxable brokerage account, and then withdraw 3% via margin loan each year, keep all the principle, continue paying no taxes, let my estate sort out the debt when I die, and then let my h... | 1,733,430,807 | 2024-12-05 20:33:27 | Mr_Zamboni_Man | 0 | 25 | 0.38 | Retirement | /r/personalfinance/comments/1h7j226/why_cant_i_use_buy_borrow_die_strategy_in_my_own/ | https://www.reddit.com/r/personalfinance/comments/1h7j226/why_cant_i_use_buy_borrow_die_strategy_in_my_own/ | personalfinance | 3m |
1h77v3y | 30% downpayment to make monthlies manageable in VHCOL? | Have 2M in liquid savings/investments, considering putting $1M down toward a $3M house to make the payments from a cash flow perspective make sense. Alternative is to only put down 20% (600k) and invest the rest but then I’ll need to be drawing a significant amount from my investments/savings every month. HHI is 800k.
... | 1,733,401,039 | 2024-12-05 12:17:19 | ShadyTheRogue | 0 | 12 | 0.35 | Housing | /r/personalfinance/comments/1h77v3y/30_downpayment_to_make_monthlies_manageable_in/ | https://www.reddit.com/r/personalfinance/comments/1h77v3y/30_downpayment_to_make_monthlies_manageable_in/ | personalfinance | 3m |
1h0l6v3 | Diversification of next "batch" of nest egg | Hey there - 45 year old here with wife and 3 kids (13, 15, 17). Net worth of \~3.5M - 1.2M of that being the home we live in (we own...no mortgage), 2.3M across stocks, bonds, etc. Annual spending between 80-120k. In the next few years, I'm likely to be retiring and adding an additional $1-1.5M to our net worth.
Th... | 1,732,651,186 | 2024-11-26 19:59:46 | IntroductionHeavy637 | 1 | 3 | 0.66 | Investing | /r/personalfinance/comments/1h0l6v3/diversification_of_next_batch_of_nest_egg/ | https://www.reddit.com/r/personalfinance/comments/1h0l6v3/diversification_of_next_batch_of_nest_egg/ | personalfinance | 3m |
1gzupb0 | 2024 YTD return on a diversified portfolio | Hello,
I'm curious what rate of return a 45yr old person with $3M invested should expect on a diversified portfolio in 2024.
My portfolio is a mix of mutual funds and bonds. I think the average rule for someone my age is 80 stock/MF and 20% bonds.
The Dow Jones is up 18.62%
The S&P 500 is up 26.24%
The NASDAQ ... | 1,732,570,697 | 2024-11-25 21:38:17 | veccster | 1 | 3 | 1 | Investing | /r/personalfinance/comments/1gzupb0/2024_ytd_return_on_a_diversified_portfolio/ | https://www.reddit.com/r/personalfinance/comments/1gzupb0/2024_ytd_return_on_a_diversified_portfolio/ | personalfinance | 3m |
1gppzkx | HELOC/Mortgage Question | Hello all,
My fiancé (27F) and I (28M) are living in a home gifted to us after her grandmother passed. The house is around $1M. The grandmother also has a condo in Florida with an estimated value of $300K. Both of these properties were given to my fiancé and her brother to split evenly. The total value of both prop... | 1,731,432,088 | 2024-11-12 17:21:28 | shpatkrah | 1 | 1 | 1 | Planning | /r/personalfinance/comments/1gppzkx/helocmortgage_question/ | https://www.reddit.com/r/personalfinance/comments/1gppzkx/helocmortgage_question/ | personalfinance | 3m |
1gn2jyt | When retirement goals talk about $2-3M thumbrule, do they usually mean for a couple or individual? | I know...that number is calculated based on the 4% withdrawal rate and it is just a thumbrule, but is it usually meant for a married couple or an individual? Sry if this is a dumb question. | 1,731,128,251 | 2024-11-09 04:57:31 | lawaythrow | 179 | 191 | 0.76 | Retirement | /r/personalfinance/comments/1gn2jyt/when_retirement_goals_talk_about_23m_thumbrule_do/ | https://www.reddit.com/r/personalfinance/comments/1gn2jyt/when_retirement_goals_talk_about_23m_thumbrule_do/ | personalfinance | 3m |
1gj3r21 | Advice on re-structuring investments after layoffs post 40 | Hey everyone,
I'm a 43-year-old male married with two kids who lives in an expensive city. Our combined income is about $450k pre-bonus. I want some advice on how to best move forward. Our savings took a hit this year because my wife got laid off twice over the last 2 years, but she is now back making an income, and w... | 1,730,686,290 | 2024-11-04 02:11:30 | Rom-jeremy-1969 | 0 | 6 | 0.43 | Investing | /r/personalfinance/comments/1gj3r21/advice_on_restructuring_investments_after_layoffs/ | https://www.reddit.com/r/personalfinance/comments/1gj3r21/advice_on_restructuring_investments_after_layoffs/ | personalfinance | 3m |
1gh6wdy | I feel like I'm too late for retirement | I just turned 40 this year, my wife is 36 (2 kids: 8 and 11), and have always saved for retirement in my career - but the last 5 years it has been a primary focus. But I feel like I am so far behind.
**Current retirement savings:**
* 401k - $228k
* Max out every year + company match of 125% of 6%
* IRA #1 - $63k
... | 1,730,471,837 | 2024-11-01 14:37:17 | DanceSex | 1 | 14 | 1 | Other | /r/personalfinance/comments/1gh6wdy/i_feel_like_im_too_late_for_retirement/ | https://www.reddit.com/r/personalfinance/comments/1gh6wdy/i_feel_like_im_too_late_for_retirement/ | personalfinance | 3m |
1ga77v9 | Early pension payout decision | I got a letter from a former employer where I have a pension, asking if d like to take it early either as a lump sum or annuity. I need help on how to decide what to do.
My wife and I are both 50 and in good health with 3M+ in 401(k) and IRA accounts. Kids are finishing college and we have 529 to cover the last 1.5 ... | 1,729,679,286 | 2024-10-23 10:28:06 | Morph420 | 0 | 13 | 0.33 | Retirement | /r/personalfinance/comments/1ga77v9/early_pension_payout_decision/ | https://www.reddit.com/r/personalfinance/comments/1ga77v9/early_pension_payout_decision/ | personalfinance | 3m |
1g8tkph | I'm 47 - Can I Retire Early? | Early aka now.
Stats:
47 years old
Wife is 37
1 y/o child
Debt:
Mortgage: $575k
Assets: $5.3m
Investment: $4.5m
Qualified: $1.6m
Non-qual: $2.9m
Lifestyle (equity in home, land, vehicles): $800k
Annual spend: $140k
I currently have about $350k in earned income.
My wife hasn't worked since we had our ... | 1,729,527,264 | 2024-10-21 16:14:24 | pfin-q | 0 | 39 | 0.35 | Retirement | /r/personalfinance/comments/1g8tkph/im_47_can_i_retire_early/ | https://www.reddit.com/r/personalfinance/comments/1g8tkph/im_47_can_i_retire_early/ | personalfinance | 3m |
1g7ybys | Help! Can I afford this mortgage? | Background: I’m 40. Married with two kids under 10. My partner stays home with the kids. I’m an entrepreneur. I need to determine whether or not I can afford a $4m house in an expensive suburb.
Details:
- I have $1.5m in savings
- I have another $750k in 401k
- I own a home currently that realtor is confident ... | 1,729,429,768 | 2024-10-20 13:09:28 | WhatCollateral | 0 | 18 | 0.28 | Housing | /r/personalfinance/comments/1g7ybys/help_can_i_afford_this_mortgage/ | https://www.reddit.com/r/personalfinance/comments/1g7ybys/help_can_i_afford_this_mortgage/ | personalfinance | 3m |
1g7loza | About to turn 50 - retirement planning | Planning to retire in 15 years (or less) what systems, tools, planners do you recommend to prepare?
I have multiple retirement accounts I would like to consolidate, but I can at least administer myself.
House ($40k) will be paid off this year. Only debt is credit card (paid monthly) and wife’s student loans less th... | 1,729,380,844 | 2024-10-19 23:34:04 | NYVines | 2 | 1 | 1 | Retirement | /r/personalfinance/comments/1g7loza/about_to_turn_50_retirement_planning/ | https://www.reddit.com/r/personalfinance/comments/1g7loza/about_to_turn_50_retirement_planning/ | personalfinance | 3m |
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