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15ulqfw | New to retirement planning, and I wanted to make sure I am doing this correctly. | I have looked at my expenses over the last year and, excluding my mortgage, estimate that I will need 85k per year (or 42% of my income) in retirement. I am planning for longevity (35 years) after retiring at 70 which totals roughly $3M dollars. According to Vanguard's calculator, I would need to save 50k per year. Thi... | 1,692,368,010 | 2023-08-18 14:13:30 | ReadOurTerms | 1 | 8 | 1 | Retirement | /r/personalfinance/comments/15ulqfw/new_to_retirement_planning_and_i_wanted_to_make/ | https://www.reddit.com/r/personalfinance/comments/15ulqfw/new_to_retirement_planning_and_i_wanted_to_make/ | personalfinance | 3m |
15s3zu0 | Trust Fund Kid Problems | Okay, I am 28 and am very fortunate to have about $1.3M in a Trust Fund set up by my Grandpa that I recently gained control of. I would like to invest this wisely so that I can afford my future kids and grand kids the same opportunities that I had. Currently single so step one is probably to find a wife.
Trust is curr... | 1,692,131,156 | 2023-08-15 20:25:56 | Mrdude312 | 0 | 7 | 0.46 | Planning | /r/personalfinance/comments/15s3zu0/trust_fund_kid_problems/ | https://www.reddit.com/r/personalfinance/comments/15s3zu0/trust_fund_kid_problems/ | personalfinance | 3m |
15o89rs | Advice on Home Affordability | Hello all, my wife and I (both in our late 20s) are first time home buyers looking to purchase a home in a terrible market… North NJ. I have already run the numbers 100s of times but would greatly appreciate any additional guidance this sub may have to ensure we do not screw ourselves financially. I have provided a bit... | 1,691,758,757 | 2023-08-11 12:59:17 | CatAgentJackBauer | 0 | 9 | 0.33 | Housing | /r/personalfinance/comments/15o89rs/advice_on_home_affordability/ | https://www.reddit.com/r/personalfinance/comments/15o89rs/advice_on_home_affordability/ | personalfinance | 3m |
15mr1el | How do we fairly support our kids financially (future inheritance, etc.)? | My (53F) husband (63M) and I have been together for 11 years and married for 4. We have 3 adult children: (33M) - his from first marriage; and (31M), (25M), mine from first marriage. No children together.
We have always worked really hard to treat them all equally in every way. My husband and I make decent money, a... | 1,691,614,075 | 2023-08-09 20:47:55 | Evening-Art6120 | 2 | 9 | 0.75 | Planning | /r/personalfinance/comments/15mr1el/how_do_we_fairly_support_our_kids_financially/ | https://www.reddit.com/r/personalfinance/comments/15mr1el/how_do_we_fairly_support_our_kids_financially/ | personalfinance | 3m |
15gjwk1 | Already have a nest egg, trying to figure out how much more I should save for retirement. | I've been trying to learn more about finances and how to best use my resources. I recently stumbled upon the Money Guy show and have been trying to follow a lot of their advice. I don't make a lot of income, but I've been fortunate in that other members of my family have managed investments in my name for me in the pas... | 1,691,008,255 | 2023-08-02 20:30:55 | WonderfulWhiskeyWolf | 2 | 7 | 0.75 | Investing | /r/personalfinance/comments/15gjwk1/already_have_a_nest_egg_trying_to_figure_out_how/ | https://www.reddit.com/r/personalfinance/comments/15gjwk1/already_have_a_nest_egg_trying_to_figure_out_how/ | personalfinance | 3m |
15gh5jg | Would you move or stay? | Debating whether to move (most likely DC area, northern Virginia) currently in medium/large size city in Florida. Income would likely stay about the same and costs would increase (I estimate about $20-25K/year half for taxes and half for housing mostly due to higher mortgage rate). Benefits of moving to us are better... | 1,691,001,959 | 2023-08-02 18:45:59 | revolution21 | 1 | 2 | 1 | Other | /r/personalfinance/comments/15gh5jg/would_you_move_or_stay/ | https://www.reddit.com/r/personalfinance/comments/15gh5jg/would_you_move_or_stay/ | personalfinance | 3m |
15exozr | Financial planner worth it? | We are in good financial shape. My wife and I (and two kids) have an income over $450k. We max out our 401ks each, have about $485k in a personal fidelity account, have $200k in a online savings account, $50k in i bonds, $150k in an inherited IRA, no debt other then a $300k mortgage at 2.65%. 401ks are about $1.3M. We ... | 1,690,851,439 | 2023-08-01 00:57:19 | Emotional_Scratch393 | 1 | 4 | 1 | Planning | /r/personalfinance/comments/15exozr/financial_planner_worth_it/ | https://www.reddit.com/r/personalfinance/comments/15exozr/financial_planner_worth_it/ | personalfinance | 3m |
15cbgap | How should I handle the inheritance my Aunt left me? | My aunt (my Dad’s only sibling) and I were very close.
My aunt did not have children of her own but was also not particularly close with my Dad or my brother. She had asked me to sign to be her power of attorney and executor of her will about 8 or 9 years ago.
My Uncle died from COVID towards the end of 2020, and my a... | 1,690,583,848 | 2023-07-28 22:37:28 | OhhhhhhhEldenRing | 32 | 14 | 0.85 | Investing | /r/personalfinance/comments/15cbgap/how_should_i_handle_the_inheritance_my_aunt_left/ | https://www.reddit.com/r/personalfinance/comments/15cbgap/how_should_i_handle_the_inheritance_my_aunt_left/ | personalfinance | 3m |
159vynq | Do I have enough money not to move for a job? | My stats - 50yr old single man.
net worth about $1.5million. Yearly expenses 72k. I was laid off but have a side gig that pays around 60K before tax with insurancet thats fairly easy.
I would like to work another 7-10 years and get my net worth up to $2.5 - 3m range.
Since i was laid off, jobs are more scarce then... | 1,690,347,367 | 2023-07-26 04:56:07 | minoreight | 1 | 8 | 0.55 | Employment | /r/personalfinance/comments/159vynq/do_i_have_enough_money_not_to_move_for_a_job/ | https://www.reddit.com/r/personalfinance/comments/159vynq/do_i_have_enough_money_not_to_move_for_a_job/ | personalfinance | 3m |
157iv4q | Tell me why we shouldn’t pay off our 3% mortgage early. | Hello Reddit.
I know math says not to do this. We have about 400K left on our 1.3M mortgage which we got a few years ago at 3%. Math says to not pay off the house, and instead keep money in our HYSA at 4% (or investment accounts) but it’s our only debt and my wife keeps thinking about the extra 4K a month we’d have. ... | 1,690,128,868 | 2023-07-23 16:14:28 | Icy_Reveal2847 | 0 | 97 | 0.45 | Planning | /r/personalfinance/comments/157iv4q/tell_me_why_we_shouldnt_pay_off_our_3_mortgage/ | https://www.reddit.com/r/personalfinance/comments/157iv4q/tell_me_why_we_shouldnt_pay_off_our_3_mortgage/ | personalfinance | 3m |
15690jo | Question about building generational wealth using recursive trusts | Edit: dynasty trust! Thanks for the suggestions
TL;DR: is it possible or a good idea to set up a trust for kids that sets up trusts for any kids they have and so on (recursively)?
—ACTUAL IDEA—
Good evening everyone … here is my idea, and thanks for reading :)
- Set up a trust for grandkids (since I am not quite th... | 1,689,996,914 | 2023-07-22 03:35:14 | ArmadilloWhole9205 | 3 | 10 | 0.6 | Planning | /r/personalfinance/comments/15690jo/question_about_building_generational_wealth_using/ | https://www.reddit.com/r/personalfinance/comments/15690jo/question_about_building_generational_wealth_using/ | personalfinance | 3m |
151fwaw | Are we Saving Enough? | I follow a ton of PF stuff, and am just struggling to apply it to our personal situation.
Background: My wife (29F) and I (30M) make $126k/yr after my 6% 401(k) contribution (matches 3.75%), health insurance, FSA, and taxes.
I’m a private sector employee with $105k in invested retirement assets and max a Roth in add... | 1,689,537,596 | 2023-07-16 19:59:56 | DisgruntledWorker438 | 1 | 0 | 0.67 | null | /r/personalfinance/comments/151fwaw/are_we_saving_enough/ | https://www.reddit.com/r/personalfinance/comments/151fwaw/are_we_saving_enough/ | personalfinance | 3m |
14vvt0d | What's the point of saving if I'll never afford anything large enough to merit saving? I feel completely financially hopeless. | My wife and I are 30, and **we feel like we wasted our 20s being "financially responsible" when our savings don't matter anyway**.
* We make \~$140K combined and save \~$3K/month.
* We have no debt and \~780 credit.
* We have \~$50K combined in retirement and contribute \~$2K/month (60% employer matching).
* We have a... | 1,688,999,751 | 2023-07-10 14:35:51 | Soggy_Hospital_6768 | 2 | 37 | 0.6 | Planning | /r/personalfinance/comments/14vvt0d/whats_the_point_of_saving_if_ill_never_afford/ | https://www.reddit.com/r/personalfinance/comments/14vvt0d/whats_the_point_of_saving_if_ill_never_afford/ | personalfinance | 3m |
14sv5r6 | Portfolio Recommendation | I am 32M, I live in TX. I make 250k/yr, net worth is 2.4M (2.3M in stocks, .1M in equity in a new house).
Portfolio is 60% META (bought begginning of this year, a bit of a gamble, but paid off =)) across all account types. 40% split between VIGAX and VFIAX mostly. With the AI craze, VIGAX is doing very well.
Waiting ... | 1,688,700,393 | 2023-07-07 03:26:33 | YoungFinSquire | 0 | 13 | 0.5 | Investing | /r/personalfinance/comments/14sv5r6/portfolio_recommendation/ | https://www.reddit.com/r/personalfinance/comments/14sv5r6/portfolio_recommendation/ | personalfinance | 3m |
14rqh2c | Techie from California here. Is my financial planning/profile looking ok? | Hello - joined this group recently and am trying to get a sense of whether we are doing ok or should do more to have a safe retirement.
- Age: both husband and wife in early 40s, both work for a large tech company in California Bay Area
- Two kids, both go to private school (50K tuition for both per year)
- Home’s mar... | 1,688,598,187 | 2023-07-05 23:03:07 | Odd_Review_5243 | 0 | 11 | 0.33 | Planning | /r/personalfinance/comments/14rqh2c/techie_from_california_here_is_my_financial/ | https://www.reddit.com/r/personalfinance/comments/14rqh2c/techie_from_california_here_is_my_financial/ | personalfinance | 3m |
14q0vkr | Received inheritance - how should I invest this? | My mother passed away recently, leaving my sister (27F) and me (28M) with roughly $2M in cash and investments as well as a house roughly worth $1M - $1.3M that is mostly paid off.
We're trying to move out within the year as too many of my family members have passed away from illnesses in this house and even if you did... | 1,688,433,550 | 2023-07-04 01:19:10 | KatanaBlade | 0 | 8 | 0.5 | Investing | /r/personalfinance/comments/14q0vkr/received_inheritance_how_should_i_invest_this/ | https://www.reddit.com/r/personalfinance/comments/14q0vkr/received_inheritance_how_should_i_invest_this/ | personalfinance | 3m |
14pqide | Retiring earlier due to bad genes | I’m 45 male with no kids. My father and grandfathers on both my maternal and paternal sides died in their early 50s due to stroke or cancer. This contributed to my decision to not have kids.
I saved about 2.5 million for retirement and anticipate needing about 130-140k/year in retirement income when I factor in he... | 1,688,408,140 | 2023-07-03 18:15:40 | Odd_Astronaut_2908 | 426 | 190 | 0.89 | Retirement | /r/personalfinance/comments/14pqide/retiring_earlier_due_to_bad_genes/ | https://www.reddit.com/r/personalfinance/comments/14pqide/retiring_earlier_due_to_bad_genes/ | personalfinance | 3m |
14nacmm | Save for down payment over 401k? | Throwaway account but the short of it is I will be buying a small real estate portfolio from my dad when he retires in 4-5 years. It would likely be valued somewhere around 3M. He would sell it to me at market price through seller financing at a reasonable interest rate (I realize we need to get this figured out).
I ... | 1,688,154,905 | 2023-06-30 19:55:05 | Competitive_Lead7852 | 1 | 7 | 1 | Retirement | /r/personalfinance/comments/14nacmm/save_for_down_payment_over_401k/ | https://www.reddit.com/r/personalfinance/comments/14nacmm/save_for_down_payment_over_401k/ | personalfinance | 3m |
14meu1g | Help me retire at 40 | If I had to say what my sin is it would be Avarice.
I just got a new job and starting pay is $18hr, 3 months in is $20hr, and 9 months is $26hr. Weekly pay and many many more benefits and bonuses.
I am 18 years old with a very limited knowledge on how to set myself up for success when it comes to my future. I know my... | 1,688,068,853 | 2023-06-29 20:00:53 | Low_Entry5644 | 0 | 7 | 0.2 | Retirement | /r/personalfinance/comments/14meu1g/help_me_retire_at_40/ | https://www.reddit.com/r/personalfinance/comments/14meu1g/help_me_retire_at_40/ | personalfinance | 3m |
14ez8xf | Retirement Plan - Tax efficiency | Trying to flesh out my retirement plan and running it by the community. Check the assumptions and the tax efficiency strategies.
**Current:**
Age 44, married filing jointly
460k in aftertax brokerage, almost no capital gains.
215k in pretax 401k/HSA
34k in Roth IRA
**Assumptions:**
9% annual return 3.5% inflatio... | 1,687,327,597 | 2023-06-21 06:06:37 | Grevious47 | 1 | 11 | 0.67 | Retirement | /r/personalfinance/comments/14ez8xf/retirement_plan_tax_efficiency/ | https://www.reddit.com/r/personalfinance/comments/14ez8xf/retirement_plan_tax_efficiency/ | personalfinance | 3m |
14c7ayh | Fell in love with a house... | Wife and I fell in love with a house and would like to offer 1.25M, paying cash. I'm 38, she's 34. Our numbers…
3.3M net worth, 315k total annual comp, 175k cash (after purchase), 1.725M in retirement and brokerage accounts, 164k in 529 (1 toddler, 1 baby), and 1.25M for this house.
Thoughts?
Northeast, HCOL area. P... | 1,687,050,904 | 2023-06-18 01:15:04 | iBuyTooMuchCraftBeer | 0 | 21 | 0.31 | Housing | /r/personalfinance/comments/14c7ayh/fell_in_love_with_a_house/ | https://www.reddit.com/r/personalfinance/comments/14c7ayh/fell_in_love_with_a_house/ | personalfinance | 3m |
145qygk | Mid career health care worker, feel I am doing well with my finances, looking for ideas for improvement and possible career change planning | I am a 43 year old in the health care field with a stable career with stable income growth (~5%/year minimum) making $135k/ year in Los Angeles.
- Pension currently worth $500k cash out at age 60, worth ~1.3m if I work there until age 50
- $200k in 403b, investing $2k/month into 403b and backdoor Roth, ~85% stocks
- $5... | 1,686,373,114 | 2023-06-10 04:58:34 | Konersman | 12 | 9 | 0.79 | Planning | /r/personalfinance/comments/145qygk/mid_career_health_care_worker_feel_i_am_doing/ | https://www.reddit.com/r/personalfinance/comments/145qygk/mid_career_health_care_worker_feel_i_am_doing/ | personalfinance | 3m |
13p1k4a | Pay off mortgage vs invest in stock market | My wife and I are wondering how to allocate our money for the best financial outcome.
Some info:
* We are in our mid-late 30s
* We live in SF Bay Area, California, and our household working income (salary/bonus/stock) is around 1.95m/year, of which 1.3m is liquid, the rest in unicorn pre-IPO double trigger RSUs
* Wif... | 1,684,785,852 | 2023-05-22 20:04:12 | unicorn4sale | 0 | 9 | 0.14 | Investing | /r/personalfinance/comments/13p1k4a/pay_off_mortgage_vs_invest_in_stock_market/ | https://www.reddit.com/r/personalfinance/comments/13p1k4a/pay_off_mortgage_vs_invest_in_stock_market/ | personalfinance | 3m |
13p03kd | Seeking advice on home purchase | Currently have about 800k in HYSA. 100k in reg saving/ checking. 50k in stocks. 160k gross. HCOL area , rent 2.9 k. No other debt. Family of 4 , little ones age 6 and 3. Me 46.
Condo / townhouse is about 1.3m , sfh is 1.6m+. My rent seems to be relatively low. there is always that uncertainty renting. Buying will like... | 1,684,782,653 | 2023-05-22 19:10:53 | plateonface | 0 | 10 | 0.5 | Planning | /r/personalfinance/comments/13p03kd/seeking_advice_on_home_purchase/ | https://www.reddit.com/r/personalfinance/comments/13p03kd/seeking_advice_on_home_purchase/ | personalfinance | 3m |
13ox2hf | Lending money to parents to buy a house | My parents are buying an investment property and with interest rates as high as they are, we were thinking of me just lending money so they can pay cash for it and pay me back after they sell it. The amount I would lend is $300k and they would pay it back in one year.
Risk assessment aside, is there anything I need t... | 1,684,776,054 | 2023-05-22 17:20:54 | coinsarge | 0 | 5 | 0.33 | Housing | /r/personalfinance/comments/13ox2hf/lending_money_to_parents_to_buy_a_house/ | https://www.reddit.com/r/personalfinance/comments/13ox2hf/lending_money_to_parents_to_buy_a_house/ | personalfinance | 3m |
13m5x3e | Pros and cons of selling our house before moving overseas as opposed to renting it out? | Hello,
I wanted to get some varying opinions on whether or not we should sell our house before we move overseas for a few years for my job.
Our timing was extremely fortunate when we bought in a desirable area of Southern California, closing in June of 2020 for a sales price of around 800k with an interest rate under... | 1,684,525,977 | 2023-05-19 19:52:57 | LegitimateTitle | 85 | 97 | 0.82 | Other | /r/personalfinance/comments/13m5x3e/pros_and_cons_of_selling_our_house_before_moving/ | https://www.reddit.com/r/personalfinance/comments/13m5x3e/pros_and_cons_of_selling_our_house_before_moving/ | personalfinance | 3m |
13ixffu | Budgeting for 7:1 salary ratio couple | I need help learning how to budget in my relationship with a large salary disparity.
I’m a new grad, currently still an intern earning 50K a year with 5K in debt that will be payed off end of the year. Since I just started working I essentially have no savings or assets.
My partner is relatively further into his care... | 1,684,219,615 | 2023-05-16 06:46:55 | sants_w_bants | 0 | 13 | 0.43 | Budgeting | /r/personalfinance/comments/13ixffu/budgeting_for_71_salary_ratio_couple/ | https://www.reddit.com/r/personalfinance/comments/13ixffu/budgeting_for_71_salary_ratio_couple/ | personalfinance | 3m |
13c0fkm | What Should I Do With My House Equity | Hello,
Apologies in advance for this being lengthy, but I will genuinely appreciate any advice. I'm 30 and my Dad passed away last year. He was always the one who guided me with this stuff. It's quite the adjustment navigating life without him as a sounding board...
My question is - should I be doing anything with ... | 1,683,570,645 | 2023-05-08 18:30:45 | Dry_Prune_5404 | 0 | 7 | 0.43 | Planning | /r/personalfinance/comments/13c0fkm/what_should_i_do_with_my_house_equity/ | https://www.reddit.com/r/personalfinance/comments/13c0fkm/what_should_i_do_with_my_house_equity/ | personalfinance | 3m |
13bn23b | Parcel I own erroneously swept into refi’d mortgage… | And now I can’t sell it.
I purchased a property with “A” and “B” parcels in 2011. Both are 1.2 acres. My home is on “A” with a $380k mortgage, “B” is a vacant lot that I paid cash for.
In 2020, I refi’d through USAA. They sold the note to Mr Cooper in 2021. I was recently under contract to sell. The title company ... | 1,683,547,494 | 2023-05-08 12:04:54 | im-always-becoming | 11 | 25 | 0.7 | Housing | /r/personalfinance/comments/13bn23b/parcel_i_own_erroneously_swept_into_refid_mortgage/ | https://www.reddit.com/r/personalfinance/comments/13bn23b/parcel_i_own_erroneously_swept_into_refid_mortgage/ | personalfinance | 3m |
137zjrz | T-Bills Interest Calculation | Hey guys, was hoping someone could help me out with a technical question regarding interest calculation. I recently bought $18,000 worth of 3m t-bills on TreasuryDirect at 5.08%.
On the website it says I bought them at a discount of $17,800, which would make my “interest” ~$200. How does this make sense? If I bought t... | 1,683,233,435 | 2023-05-04 20:50:35 | jtbond_009 | 2 | 5 | 0.75 | Budgeting | /r/personalfinance/comments/137zjrz/tbills_interest_calculation/ | https://www.reddit.com/r/personalfinance/comments/137zjrz/tbills_interest_calculation/ | personalfinance | 3m |
132l2wg | Opinion / advice: Payoff HELOC or invest in JEPI/JEPQ to pay installments? | Hello Reddit!
I am looking for opinions / advice. I have some vesting that will occur next week (approximately $150K); and I have a HELOC that's drawn to the same amount.
The HELOC is expensive now (yeah, who knew!), and I'm paying between $1100 - $1200 per month depending on the interest rate variations.
If I sell ... | 1,682,749,099 | 2023-04-29 06:18:19 | shantired | 1 | 1 | 0.57 | Other | /r/personalfinance/comments/132l2wg/opinion_advice_payoff_heloc_or_invest_in_jepijepq/ | https://www.reddit.com/r/personalfinance/comments/132l2wg/opinion_advice_payoff_heloc_or_invest_in_jepijepq/ | personalfinance | 3m |
12vpb3x | Living horrendously below my means. | Household income is roughly £250,000 ($310,000). May increase by quite a bit soon. House is worth £800,000 and had a mortgage for 8 years but we are moving, the budget is £1.3M and am interested in having a mortgage again.
I drive a small economy car, bought cash for £10,000 brand new, from the dealership. It was wo... | 1,682,210,101 | 2023-04-23 00:35:01 | ConsciousGas8319 | 0 | 18 | 0.2 | Other | /r/personalfinance/comments/12vpb3x/living_horrendously_below_my_means/ | https://www.reddit.com/r/personalfinance/comments/12vpb3x/living_horrendously_below_my_means/ | personalfinance | 3m |
12ussis | Annuity + market investment formula for injury settlement? | We have a unique family situation where an adult is getting a settlement upwards of $10M and we need to figure out the right annuity and investment funds/location.
We want to secure an income of $15K/month for the next 25 years (living and health needs) and allow the rest to grow for the rest of the family/trust or in... | 1,682,133,219 | 2023-04-22 03:13:39 | Throwaway78563400088 | 0 | 2 | 0.5 | Investing | /r/personalfinance/comments/12ussis/annuity_market_investment_formula_for_injury/ | https://www.reddit.com/r/personalfinance/comments/12ussis/annuity_market_investment_formula_for_injury/ | personalfinance | 3m |
12nyl3s | Refinance for house renovation | I bought a house for $900k in 2020. I got a loan for 2.4% interest. The market value of the house is $1.3m now. I I recently did some renovation replacing the floor and remodeling the kitchen. I spent around $60k out of pocket. I am wondering if there is a way to get a finance for the amount I spent. Can I go to the sa... | 1,681,627,285 | 2023-04-16 06:41:25 | Distinct-Mixture-867 | 2 | 1 | 1 | Housing | /r/personalfinance/comments/12nyl3s/refinance_for_house_renovation/ | https://www.reddit.com/r/personalfinance/comments/12nyl3s/refinance_for_house_renovation/ | personalfinance | 3m |
12mfks9 | Tax mitigation strategist - worth it? | I got connected with a tax advisor team that specializes in tax mitigation strategies. The team has a several CPA and takes care of \~200 people per year and they have been in business for 12 years now.
They are claiming that they can save me at least 106k of tax liability conservatively (based on my 2021 return where... | 1,681,510,456 | 2023-04-14 22:14:16 | MoatleyFool | 1 | 11 | 0.67 | Taxes | /r/personalfinance/comments/12mfks9/tax_mitigation_strategist_worth_it/ | https://www.reddit.com/r/personalfinance/comments/12mfks9/tax_mitigation_strategist_worth_it/ | personalfinance | 3m |
12ixepu | Second Investment Property (USA) | Hello All,
I own a condo thats valued at 550k-600k with approxiamtely 180k remianing on the exisitng mortgage. The exisitng mortgage is at ~3.2%. Our family is growing and a second home to live in while renting this one as an investment is looking like a viable option.
We would like to purchased a second home between... | 1,681,246,654 | 2023-04-11 20:57:34 | pharaohpete | 1 | 3 | 0.6 | Housing | /r/personalfinance/comments/12ixepu/second_investment_property_usa/ | https://www.reddit.com/r/personalfinance/comments/12ixepu/second_investment_property_usa/ | personalfinance | 3m |
12ivt33 | Better to renovate my 3bd/1ba to a 4bd/2ba, or sell and buy a bigger house? | I have a 3bd/1ba house, and am looking to add an additional bed and bath. I'm struggling on the math to figure out whether it makes more sense to renovate or buy a bigger house.
Current house:
$900k - estimated value (averaged between Redfin and Zillow)
$535k owed on mortgage
$3000 monthly payment at 2.5%
Mortgage ma... | 1,681,243,548 | 2023-04-11 20:05:48 | PrestigiousCod1 | 50 | 52 | 0.78 | Housing | /r/personalfinance/comments/12ivt33/better_to_renovate_my_3bd1ba_to_a_4bd2ba_or_sell/ | https://www.reddit.com/r/personalfinance/comments/12ivt33/better_to_renovate_my_3bd1ba_to_a_4bd2ba_or_sell/ | personalfinance | 3m |
12gvvut | How to invest for my future | I'm in my early 30s and looking for some investment advice. A little background: I have a Master's degree in Information Technology. I do a lot of sports, I live a healthy lifestyle. I live in a small country in Europe where VAT is low and income tax is low too. I was a professional athlete for the better part of my ad... | 1,681,074,629 | 2023-04-09 21:10:29 | MysteriousCost3854 | 0 | 5 | 0.5 | Investing | /r/personalfinance/comments/12gvvut/how_to_invest_for_my_future/ | https://www.reddit.com/r/personalfinance/comments/12gvvut/how_to_invest_for_my_future/ | personalfinance | 3m |
12bvfys | How to have FDIC insurance greater than the individual limit | Since I will be the trustee for my Dad's estate at some point, I am looking for ways to safely deposit the $ that comes from the liquidation of his assets, whenever he passes away.....and the total value will will be more than the FDIC individual limit. I will need to do this prior to distributing the $ to the thre... | 1,680,640,074 | 2023-04-04 20:27:54 | ClockerXP | 1 | 3 | 0.6 | Saving | /r/personalfinance/comments/12bvfys/how_to_have_fdic_insurance_greater_than_the/ | https://www.reddit.com/r/personalfinance/comments/12bvfys/how_to_have_fdic_insurance_greater_than_the/ | personalfinance | 3m |
125zg8f | Bond and CD investment | I want to invest in Bond or CD. I want to start with short term 3M.
For example there is a Bank America Corp bond (cusip 06053FAA7 ).
The price is 99.675 and YTM is 5.113.
What does it mean? Does it mean that if I buy $10000, at the end of 3M I will have $10511,3? | 1,680,121,108 | 2023-03-29 20:18:28 | LoracleLunique | 1 | 5 | 0.67 | Investing | /r/personalfinance/comments/125zg8f/bond_and_cd_investment/ | https://www.reddit.com/r/personalfinance/comments/125zg8f/bond_and_cd_investment/ | personalfinance | 3m |
11thsxz | At what point does it make sense to hire a professional financial advisor? | I've (almost) always managed my own portfolio - buying stocks I believed in, picking ETFs that seemed to make sense, dabbling in bonds, playing with crypto, and selling when I needed some cash. I've made plenty of mistakes but learned a lot about myself, the tools, terminology, and the process along the way. It's been ... | 1,679,029,834 | 2023-03-17 05:10:34 | WangLung1931 | 1 | 9 | 1 | Investing | /r/personalfinance/comments/11thsxz/at_what_point_does_it_make_sense_to_hire_a/ | https://www.reddit.com/r/personalfinance/comments/11thsxz/at_what_point_does_it_make_sense_to_hire_a/ | personalfinance | 3m |
11nwhd2 | When to sell for a home down payment? | *I'm making my way through the wiki but would love some quick feedback in the meantime to help with some anxiety.*
My wife and I would like to buy a home in the next year or so. We live in the bay area, so we will spend somewhere between **1-1.3m**. We may get some help from the inlaws but unclear how much (we need to... | 1,678,472,193 | 2023-03-10 18:16:33 | Over-Package9063 | 3 | 6 | 0.61 | Planning | /r/personalfinance/comments/11nwhd2/when_to_sell_for_a_home_down_payment/ | https://www.reddit.com/r/personalfinance/comments/11nwhd2/when_to_sell_for_a_home_down_payment/ | personalfinance | 3m |
11nptun | Thinking about slow rolling our 401k contributions. | Really undecided. Markets keep tanking, so it’s good to buy in as it goes down; BUT we want to retire in 5-7 years without a mortgage - so the cash would let us have more to pay off the house.
What are your thoughts? (Beyond keep buying the dip, and DCA). NW is a little above 3M including savings, home value, and ... | 1,678,456,419 | 2023-03-10 13:53:39 | wifichick | 9 | 22 | 0.84 | Debt | /r/personalfinance/comments/11nptun/thinking_about_slow_rolling_our_401k_contributions/ | https://www.reddit.com/r/personalfinance/comments/11nptun/thinking_about_slow_rolling_our_401k_contributions/ | personalfinance | 3m |
11lnhlv | [Insurance] Is there any scenario where Whole Life works better than Term insurance at all? | I have read around and see that general sentiment is - Term insurance is always better than Whole life.
However I am curious to know - Is it situational?
To throw some light, my situation is - 43, M, healthy, NW in the range of 2-3M.
The current quote for term life from Ladder (supposedly cheapest of all) for 3M p... | 1,678,253,395 | 2023-03-08 05:29:55 | IndianGuy79 | 2 | 11 | 0.76 | Insurance | /r/personalfinance/comments/11lnhlv/insurance_is_there_any_scenario_where_whole_life/ | https://www.reddit.com/r/personalfinance/comments/11lnhlv/insurance_is_there_any_scenario_where_whole_life/ | personalfinance | 3m |
11kmvbx | I don't think we can afford this house, my wife thinks we can. Am I wrong? | Hi there, here's our situation:
Both late 20's
Offer accepted on a ~1.3M house in a HCOL area
**Financials:**
~$14k exact monthly take home after taxes and retirement funds
~$1,580 in NON mortgage essentials
~$7,500 mortgage
~Remaining after essential payments = ~4900-5000ish
FYI, I'm in tech sales so in a dece... | 1,678,157,321 | 2023-03-07 02:48:41 | ipiooppaant | 1 | 22 | 0.67 | Housing | /r/personalfinance/comments/11kmvbx/i_dont_think_we_can_afford_this_house_my_wife/ | https://www.reddit.com/r/personalfinance/comments/11kmvbx/i_dont_think_we_can_afford_this_house_my_wife/ | personalfinance | 3m |
11ggk5u | Secrets to buying a house in this market? | This is probably a dumb question, sorry 😁 I know there are sometimes unwritten tricks in the market, because when I bought my first house I put down less than 20% but never had to pay PMI. Our lender completely waived it for us, which allowed us to buy before we thought we'd be able to. So I'm curious if there are oth... | 1,677,795,463 | 2023-03-02 22:17:43 | Throwaway-4457 | 0 | 40 | 0.2 | Housing | /r/personalfinance/comments/11ggk5u/secrets_to_buying_a_house_in_this_market/ | https://www.reddit.com/r/personalfinance/comments/11ggk5u/secrets_to_buying_a_house_in_this_market/ | personalfinance | 3m |
11ei242 | Wondering what $ value to target planning for retirement essentially starting from ground zero in my mid-30s. | I know there's a lot of personal stuff that can go into determining a retirement number, but I'm hoping to get a rough range based off of some personal factors, because I'm basically clueless as to if I need $1 million to retire or $15 million. I have no retirement accounts at the moment, but just exited all debt in 20... | 1,677,613,959 | 2023-02-28 19:52:39 | IGNSolar7 | 3 | 4 | 0.72 | Planning | /r/personalfinance/comments/11ei242/wondering_what_value_to_target_planning_for/ | https://www.reddit.com/r/personalfinance/comments/11ei242/wondering_what_value_to_target_planning_for/ | personalfinance | 3m |
11dzuas | Unbalanced Portfolio? | Hey all, probably not the typical situation here but have some questions I was hoping to get second opinions on. I didn’t come from money but am grateful to where I am now. That being said I still have some questions as I’m not highly financially literate.
My situation is:
40yo male that has two young children, wif... | 1,677,568,803 | 2023-02-28 07:20:03 | Imaginary-Finish-442 | 4 | 4 | 0.83 | Investing | /r/personalfinance/comments/11dzuas/unbalanced_portfolio/ | https://www.reddit.com/r/personalfinance/comments/11dzuas/unbalanced_portfolio/ | personalfinance | 3m |
11ceu1p | Actually paying off my house brought us ahead | Change my mind. The traditional wisdom has been to not pay off a low mortgage rate.
We had 2.25%.
But in 2021, I decided to pay off it off. House was worth 1.3m then.
Now it’s around 1.55m.
The same money in the s&p500 would have lost 20%. But basically it provided a shield, and now we plan to sell this house for... | 1,677,411,945 | 2023-02-26 11:45:45 | Whatevercomm | 0 | 52 | 0.29 | Housing | /r/personalfinance/comments/11ceu1p/actually_paying_off_my_house_brought_us_ahead/ | https://www.reddit.com/r/personalfinance/comments/11ceu1p/actually_paying_off_my_house_brought_us_ahead/ | personalfinance | 3m |
116wppl | Should I recast my mortgage? | Hello all, could use a bit of guidance here. Currently getting a 2m 10/6 ARM at 4%. PI a month is just under 10k.
I’m about to sell another house and will get about 700k in proceeds. Should I recast my loan with the full 700k (free to recast) to bring the principal to 1.3m or keep the money and keep regular payments?... | 1,676,864,321 | 2023-02-20 03:38:41 | MrBulldops206 | 0 | 3 | 0.5 | Housing | /r/personalfinance/comments/116wppl/should_i_recast_my_mortgage/ | https://www.reddit.com/r/personalfinance/comments/116wppl/should_i_recast_my_mortgage/ | personalfinance | 3m |
10smpeg | SGOV (0-3M Short Term Treasury ETF) arbitrage? Real or only works in a fake environment? | For the past year my buddies have been playing one of those $100k stock market simulator games. The game is almost over and I have a lead with a low chance for the others to come back. I sold most the volatile securities and now have a bunch of cash. In real life, I wouldn't hold cash, I would at least have it in a hig... | 1,675,437,317 | 2023-02-03 15:15:17 | _mdz | 2 | 3 | 1 | Other | /r/personalfinance/comments/10smpeg/sgov_03m_short_term_treasury_etf_arbitrage_real/ | https://www.reddit.com/r/personalfinance/comments/10smpeg/sgov_03m_short_term_treasury_etf_arbitrage_real/ | personalfinance | 3m |
10pek4q | Rebuild house or move? Advice needed |
Hi all,
Looking for some honest feedback.
Our current situation - we live in a HCOL suburb of Boston. Very residential neighborhood, but the school district for the town isn’t rated the best (A on Niche as opposed to A+). We bought our house for 700k and currently per Redfin and other agents, is currently worth 90... | 1,675,113,987 | 2023-01-30 21:26:27 | ScaryStatistician | 1 | 12 | 0.67 | Housing | /r/personalfinance/comments/10pek4q/rebuild_house_or_move_advice_needed/ | https://www.reddit.com/r/personalfinance/comments/10pek4q/rebuild_house_or_move_advice_needed/ | personalfinance | 3m |
10ji0p9 | Traditional vs. Roth Mix | Anybody here contribute to both Traditional 401K/IRA and Roth 401K/IRA each year? How did you determine how much to allocate to each? I understand the premise behind each option but seeing as how the future is unpredictable, I am unsure how to allocate but want to reduce tax liability to the extent possible. I am marri... | 1,674,494,852 | 2023-01-23 17:27:32 | IRiskItForTheBrisket | 2 | 2 | 0.76 | Retirement | /r/personalfinance/comments/10ji0p9/traditional_vs_roth_mix/ | https://www.reddit.com/r/personalfinance/comments/10ji0p9/traditional_vs_roth_mix/ | personalfinance | 3m |
10isxg3 | Retirement with PERS | My wife is in PERS - now 3 years in, 5 more years to go to vest.
I’m gonna find out if she can just switch to an ORP - similar to 401k, so she can be vested immediately.
I’m thinking if she switches, since she’s not vested yet, she will lose all the matching contributions. So maybe we’ll switch when she becomes ves... | 1,674,418,317 | 2023-01-22 20:11:57 | Nice-Hunt5360 | 1 | 5 | 0.67 | Retirement | /r/personalfinance/comments/10isxg3/retirement_with_pers/ | https://www.reddit.com/r/personalfinance/comments/10isxg3/retirement_with_pers/ | personalfinance | 3m |
10g4z11 | Family member selling home, does she need to pay capital gains tax? | I have a family member who is her 70’s, that is single, sold her home, but also purchased a new home soon after. We are in California and I was wondering if she will have to pay cap gains. She sold and purchased the new home for about the same amount (1.3M and 1.25M). I thought she could defer it since she’s buying a n... | 1,674,143,236 | 2023-01-19 15:47:16 | kyoshero | 1 | 8 | 1 | Taxes | /r/personalfinance/comments/10g4z11/family_member_selling_home_does_she_need_to_pay/ | https://www.reddit.com/r/personalfinance/comments/10g4z11/family_member_selling_home_does_she_need_to_pay/ | personalfinance | 3m |
10eywwg | Starting late in investing for retirement. How to catch up? | Mid 40s, after some setbacks in investing at earlier age, I’ve become very serious about retiring early. I make decent money, am starting maxing out contributions every year. Buying VTIs on my own, and have a nasty but modest BTC habit.
I want to retire with a highly monthly interest dividend. Say $10k month today’s ... | 1,674,018,983 | 2023-01-18 05:16:23 | Happy-Warrior309 | 0 | 12 | 0.29 | Budgeting | /r/personalfinance/comments/10eywwg/starting_late_in_investing_for_retirement_how_to/ | https://www.reddit.com/r/personalfinance/comments/10eywwg/starting_late_in_investing_for_retirement_how_to/ | personalfinance | 3m |
108k01x | Do my financial goals coincide with one another? If not, how do I choose between them? What can I do to achieve them? | Hi all, with the new year I did some thinking about my long-term financial goals, and there are two things I have always wanted:
* Retire early
* I don't hate working, but I want to be financially independent and have the freedom to do what I want in life, travel, non-profit work, startups, etc. And the quickest wa... | 1,673,382,482 | 2023-01-10 20:28:02 | filleracc69 | 0 | 14 | 0.33 | Planning | /r/personalfinance/comments/108k01x/do_my_financial_goals_coincide_with_one_another/ | https://www.reddit.com/r/personalfinance/comments/108k01x/do_my_financial_goals_coincide_with_one_another/ | personalfinance | 3m |
107ro3g | Investment Advice - 401K, Roth, HSA, Crypto | I'm 37 years old and make over $200k/yr. I'm currently contributing 7% into my 401k w/ employer match, and have a Roth IRA w/ $7k in it. I'm not currently adding to the IRA position. MY 401k currently has a $215k balance. After doing some research, I'm going to increase my 401k contribution to 12% which should max ... | 1,673,302,018 | 2023-01-09 22:06:58 | Trevalution1 | 0 | 8 | 0.5 | Other | /r/personalfinance/comments/107ro3g/investment_advice_401k_roth_hsa_crypto/ | https://www.reddit.com/r/personalfinance/comments/107ro3g/investment_advice_401k_roth_hsa_crypto/ | personalfinance | 3m |
107nmlj | When To Buy First Home Instead of Renting? | I'm in my late 20s and wanted to ask folks here with more experience about what factors helped them decide whether to rent or buy, or what you'd do in my position. I've been fortunate enough to have good career opportunities and discovered FIRE subreddits to start aggressively saving right after college, but I'm strugg... | 1,673,293,008 | 2023-01-09 19:36:48 | throwaway_csboston | 0 | 5 | 0.33 | Housing | /r/personalfinance/comments/107nmlj/when_to_buy_first_home_instead_of_renting/ | https://www.reddit.com/r/personalfinance/comments/107nmlj/when_to_buy_first_home_instead_of_renting/ | personalfinance | 3m |
104jbcv | New car Affordability check | I am trying to determine how affordable a new vehicle that I am considering is, or, another way, how detrimental to my finances is this new vehicle? It has been a long time since I have personally bought a new vehicle for my use. I am aware of market conditions currently and unwilling to pay any mark ups or addendums f... | 1,672,975,422 | 2023-01-06 03:23:42 | SnowShoe86 | 2 | 15 | 1 | Auto | /r/personalfinance/comments/104jbcv/new_car_affordability_check/ | https://www.reddit.com/r/personalfinance/comments/104jbcv/new_car_affordability_check/ | personalfinance | 3m |
10390y6 | How to compare returns from the stock market versus savings account side-by-side? | How can one compare returns from the stock market versus savings account side-by-side so as to find out which option is better?
Suppose I have a stock, its performance for 1M, 3M, 1Y etc. is always supplied in %. Plus the fact that it may have a dividend makes it complicated for me to compare it with Savings account i... | 1,672,852,505 | 2023-01-04 17:15:05 | astrostar3 | 3 | 6 | 0.81 | Investing | /r/personalfinance/comments/10390y6/how_to_compare_returns_from_the_stock_market/ | https://www.reddit.com/r/personalfinance/comments/10390y6/how_to_compare_returns_from_the_stock_market/ | personalfinance | 3m |
1027b7c | Should I buy a house without being able to afford 20% downpayment? | I have about $100K in savings, but I live in a very expensive area. I don’t see myself being able to buy a home less than $1.5M (just want a 3 bed 2 bath that’s less than a 45 min commute to work).
Literally the cheapest house I see on Zillow for the reasonable suburbs are $1.2-1.3M.
Anyway, I’m not even close to be... | 1,672,750,019 | 2023-01-03 12:46:59 | randombetch | 1 | 75 | 0.52 | Housing | /r/personalfinance/comments/1027b7c/should_i_buy_a_house_without_being_able_to_afford/ | https://www.reddit.com/r/personalfinance/comments/1027b7c/should_i_buy_a_house_without_being_able_to_afford/ | personalfinance | 3m |
101md2e | Should I upgrade to bigger house or stay where I’m at? | Late 20s, Single
$410k salary
No non-mortgage debts
$40k-$50k/yr expenses
Long term goal for now is to be able to retire early by my late 30s/early 40s with about $3M-$5M in investments.
—————-
I live in HCOL area and I currently live in a condo worth about $400k ($75k equity, $325k mortgage @ 3.5% interest). Th... | 1,672,690,457 | 2023-01-02 20:14:17 | DogtorPepper | 0 | 6 | 0.29 | Housing | /r/personalfinance/comments/101md2e/should_i_upgrade_to_bigger_house_or_stay_where_im/ | https://www.reddit.com/r/personalfinance/comments/101md2e/should_i_upgrade_to_bigger_house_or_stay_where_im/ | personalfinance | 3m |
1001yy6 | Too much equity in home after expansion and future liquidity options | 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 significant amount of equity tied up in my primary residence.
Situation: Current home is too small for long term growing f... | 1,672,515,839 | 2022-12-31 19:43:59 | deephomequity | 0 | 9 | 0.4 | Housing | /r/personalfinance/comments/1001yy6/too_much_equity_in_home_after_expansion_and/ | https://www.reddit.com/r/personalfinance/comments/1001yy6/too_much_equity_in_home_after_expansion_and/ | personalfinance | 3m |
zt6290 | I am taking control of my trust fund next week. What questions should I ask at the appointment? | (California)
I have a meeting with my financial advisor(actually my dad's financial advisor), who is responsible for all of our family's trusts that my father created \~ 10/15 years ago.
I have very little financial background. As wealthy as my father is, he only provided us with what we needed growing up, he wanted ... | 1,671,768,774 | 2022-12-23 04:12:54 | q4finance232 | 5 | 19 | 0.67 | Planning | /r/personalfinance/comments/zt6290/i_am_taking_control_of_my_trust_fund_next_week/ | https://www.reddit.com/r/personalfinance/comments/zt6290/i_am_taking_control_of_my_trust_fund_next_week/ | personalfinance | 3m |
zmrqm2 | (UK) Due to exit my company shortly. What mechanisms should I be considering to reduce immediate tax burden and estate plan as efficiently as possible? | Personal proceeds will be between £3m-£4m, transaction will be around March/April 23.
I qualify for entrepreneurs relief. My wife has worked at the company for over 1 year but does not hold any shares.
* I'm a founder, so shares paid up at nominal value (£0.01 per share). Likely exit at £8-£12 per share
* I am a b... | 1,671,127,629 | 2022-12-15 18:07:09 | Narrow-Ad1897 | 1 | 2 | 0.6 | Planning | /r/personalfinance/comments/zmrqm2/uk_due_to_exit_my_company_shortly_what_mechanisms/ | https://www.reddit.com/r/personalfinance/comments/zmrqm2/uk_due_to_exit_my_company_shortly_what_mechanisms/ | personalfinance | 3m |
z403s6 | Should I keep my house as a long term rental? | Sell or rent long term
Built by us in 2018 for 1.3m including lot in VHCOL suburb. Could sell for 2.0m+. Fixed at 2.625 for 30 years. Could currently rent for ~ $7,500/month now.
I’d like to keep it as a piece of our retirement pie. Don’t like losing tax free $500k profit, but, projections are that rent will kee... | 1,669,339,238 | 2022-11-25 01:20:38 | SnooSketches5403 | 2 | 10 | 0.58 | Housing | /r/personalfinance/comments/z403s6/should_i_keep_my_house_as_a_long_term_rental/ | https://www.reddit.com/r/personalfinance/comments/z403s6/should_i_keep_my_house_as_a_long_term_rental/ | personalfinance | 3m |
yxwejs | Is there a cap to investing in an index fund? | Hi folks, newbie here and I just read some Wikis. I'm wondering what you all think as to if there is ever too much money to put in an index fund?? Like, if you had $1M, $3M, $5M+ would you just stick it in VOO, or would you start paying those fees and have an investment advisor? Thanks for the inputs! | 1,668,706,875 | 2022-11-17 17:41:15 | HemlockMan | 0 | 7 | 0.4 | Investing | /r/personalfinance/comments/yxwejs/is_there_a_cap_to_investing_in_an_index_fund/ | https://www.reddit.com/r/personalfinance/comments/yxwejs/is_there_a_cap_to_investing_in_an_index_fund/ | personalfinance | 3m |
ylmhd9 | Should I buy this 2020 Toyota Camry | Hi,
I am considering to buy 2020 Toyota Camry, mileage is 30k. dealer offer this price. and I put down a few thousand deposit. Dealer asked me to sign the paper. they didn't show me the Carfax or Autocheck report, I didn't bring it to shop for inspection either. Before I sign, I am little bit hesitate.
Any of these f... | 1,667,529,160 | 2022-11-04 02:32:40 | tvontea | 0 | 14 | 0.33 | Auto | /r/personalfinance/comments/ylmhd9/should_i_buy_this_2020_toyota_camry/ | https://www.reddit.com/r/personalfinance/comments/ylmhd9/should_i_buy_this_2020_toyota_camry/ | personalfinance | 3m |
1lqemz7 | MSTY Update | What’s everyone position on MSTY?
What’s your average cost?
Are you dripping or taking dividends and putting into another stock?
Will look to buy $200 a week on MSTY | 1,751,510,780 | 2025-07-03 02:46:20 | Bitter-Panda7571 | 0 | 5 | 0.36 | Discussion | /r/dividends/comments/1lqemz7/msty_update/ | dividends | 3m | |
1lo6exn | SCHY and IGRO | SCHY roaring 20% and IGRO 15% YTD while US markets are slow rn. This is why diversification is important. | 1,751,287,003 | 2025-06-30 12:36:43 | Strict_Increase_5768 | 4 | 2 | 0.74 | Discussion | /r/dividends/comments/1lo6exn/schy_and_igro/ | https://www.reddit.com/gallery/1lo6exn | dividends | 3m |
1lnoztz | Is Novo Nordisk $NVO a hero or a zero for long term investing | null | 1,751,229,643 | 2025-06-29 20:40:43 | Ok_Extent_451 | 0 | 2 | 0.43 | Discussion | /r/dividends/comments/1lnoztz/is_novo_nordisk_nvo_a_hero_or_a_zero_for_long/ | dividends | 3m | |
1ln6nzu | SCHD - uncompensated risk? | So the yield is 4% and it delivered a 2% price growth this past year. SGOV yields 4.5%.
Can someone help me understand why it’s a good dividend play? | 1,751,173,866 | 2025-06-29 05:11:06 | Healthy_Peanut6753 | 398 | 141 | 0.88 | Discussion | /r/dividends/comments/1ln6nzu/schd_uncompensated_risk/ | dividends | 3m | |
1lk6kgt | Selling SOLV & VZ, buying .... ? | * 59
* Retirement is 3-5 years away.
* I contribute weekly to my entire portfolio which includes:
* 401k
* traditional IRA (me)
* ROTH IRA (wife)
* taxable brokerage dividend account that I've aggressively invested over the 5 years I've had it.
In my brokerage account, I received 18 shares of $SOLV w... | 1,750,860,263 | 2025-06-25 14:04:23 | Due51 | 1 | 7 | 0.67 | Seeking Advice | /r/dividends/comments/1lk6kgt/selling_solv_vz_buying/ | https://www.reddit.com/r/dividends/comments/1lk6kgt/selling_solv_vz_buying/ | dividends | 3m |
1ljqvax | Safe stock options to invest in | I lost all of my saving gambling with options. I want to rebuild up my savings over time. Anyone know of any safe stock options that pays good dividends? I don’t care if the stock fluctuates as long as it usually returns back. | 1,750,808,926 | 2025-06-24 23:48:46 | jkdjkj0351 | 20 | 30 | 0.72 | Personal Goal | /r/dividends/comments/1ljqvax/safe_stock_options_to_invest_in/ | https://www.reddit.com/gallery/1ljqvax | dividends | 3m |
1lino1f | No idea what I’m doing | 32m, paycheck to paycheck. Got my first 2 dividend stocks yesterday. Idk what I’m doing. Advice is encouraged and appreciated | 1,750,701,729 | 2025-06-23 18:02:09 | Dayexnai7 | 69 | 67 | 0.82 | Other | /r/dividends/comments/1lino1f/no_idea_what_im_doing/ | dividends | 3m | |
1lhwksp | Don’t know what am I doing, where should I start | I’m making a Roth IRA in hopes of giving this my sister and son when I’m good and gone. I’m content with life but I want to do this right. Any advice is welcomed | 1,750,621,046 | 2025-06-22 19:37:26 | Confirmed_fail | 36 | 7 | 0.92 | Seeking Advice | /r/dividends/comments/1lhwksp/dont_know_what_am_i_doing_where_should_i_start/ | https://www.reddit.com/gallery/1lhwksp | dividends | 3m |
1lfgs8b | Should I sell my 3M and buy something else? | As part of my modest portfolio, I have about $3,500 in 3M stock. It has not performed as well as I would have hoped, and not only is it down about $50 in total from what I paid, but the dividend is now only 2%. I'm considering selling it for that reason, and reallocating the funds. So my question is twofold. What are y... | 1,750,354,343 | 2025-06-19 17:32:23 | Naive-University-317 | 2 | 5 | 0.63 | Discussion | /r/dividends/comments/1lfgs8b/should_i_sell_my_3m_and_buy_something_else/ | https://www.reddit.com/r/dividends/comments/1lfgs8b/should_i_sell_my_3m_and_buy_something_else/ | dividends | 3m |
1ldt4yk | Excited so far | I started investing on Webull 3 months ago. Initial investment amount was $386. So far so good.🙏 | 1,750,180,966 | 2025-06-17 17:22:46 | gator317185 | 15 | 3 | 0.9 | Opinion | /r/dividends/comments/1ldt4yk/excited_so_far/ | dividends | 3m | |
1ld067s | I’ve signed up for robinhood but can’t buy ULTY? UK based if any difference | null | 1,750,097,429 | 2025-06-16 18:10:29 | kingc2332 | 2 | 11 | 0.63 | Opinion | /r/dividends/comments/1ld067s/ive_signed_up_for_robinhood_but_cant_buy_ulty_uk/ | dividends | 3m | |
1lcq64t | 32m - very late to the party. Memecoin was spare change for fun | null | 1,750,072,711 | 2025-06-16 11:18:31 | sickman1234 | 0 | 5 | 0.42 | Personal Goal | /r/dividends/comments/1lcq64t/32m_very_late_to_the_party_memecoin_was_spare/ | https://www.reddit.com/gallery/1lcq64t | dividends | 3m |
1lbh7sg | Help me understand this yield | null | 1,749,930,100 | 2025-06-14 19:41:40 | SolidNational | 5 | 13 | 0.67 | Discussion | /r/dividends/comments/1lbh7sg/help_me_understand_this_yield/ | dividends | 3m | |
1l93q0m | Investing $3M for $250k/yr Dividend Payout | Hi All!
Currently my portfolio is at $1.9M, I plan on having $3M by 2030 and reinvesting that $3M into a High Div Portfolio.
What would be your ideal mix of Stocks/ETFs to generate $250k/yr off of that $3M while still having relatively low-medium risk on the actual value of the stocks I'm buying? | 1,749,674,834 | 2025-06-11 20:47:14 | 70InternationalTAll | 263 | 217 | 0.88 | Seeking Advice | /r/dividends/comments/1l93q0m/investing_3m_for_250kyr_dividend_payout/ | https://www.reddit.com/r/dividends/comments/1l93q0m/investing_3m_for_250kyr_dividend_payout/ | dividends | 3m |
1l91syv | 23 year old male looking for advice | Individual and Roth IRA accounts | 1,749,670,205 | 2025-06-11 19:30:05 | Plus_Instance_752 | 0 | 14 | 0.5 | Discussion | /r/dividends/comments/1l91syv/23_year_old_male_looking_for_advice/ | https://www.reddit.com/gallery/1l91syv | dividends | 3m |
1l81wcn | Green Day (slow) :finally crushed above 2k ! | **Green Day (slow)**: finally crushed above 2k ! made me $150 thanks to the after hour rally , I was long GOOGL this morning but did not take too many long side signals … why ? IWM outperforming SPY makes me worrying abt the upside … IWM usually joined the rally party late . So I was trying a few short signals today (... | 1,749,569,827 | 2025-06-10 15:37:07 | QTina-QS-00001 | 14 | 3 | 0.89 | Discussion | /r/dividends/comments/1l81wcn/green_day_slow_finally_crushed_above_2k/ | dividends | 3m | |
1l7hfli | New to Rex | I just bought 5 shares of Rex Shares new etf MSII. $25+ was the price I started with if this etf is a winner I will buy more. | 1,749,505,370 | 2025-06-09 21:42:50 | NerveChemical9718 | 5 | 5 | 0.86 | Discussion | /r/dividends/comments/1l7hfli/new_to_rex/ | dividends | 3m | |
1l6y3ip | First post here I’m really liking the high-yield stocks but the volatility is wild. | This is a small account I’m growing it as I learn more I don’t wanna ask for the “a” word but do you all think I’m moving in the right direction by starting volatile then moving my divs to more secure stocks once I have a larger portfolio? | 1,749,452,093 | 2025-06-09 06:54:53 | Amazing-Foundation96 | 56 | 43 | 0.86 | Discussion | /r/dividends/comments/1l6y3ip/first_post_here_im_really_liking_the_highyield/ | dividends | 3m | |
1l5fuj2 | Got any opinions for a new 24 year old? | Just started investing and it’s send addicting
Recently left 120k job and taking a 45k ish job will be able to invest 500 a month | 1,749,284,399 | 2025-06-07 08:19:59 | TheeJp | 14 | 1 | 1 | Seeking Advice | /r/dividends/comments/1l5fuj2/got_any_opinions_for_a_new_24_year_old/ | https://www.reddit.com/gallery/1l5fuj2 | dividends | 3m |
1l50baa | How am I doing | Im trying to create a slow and steady growth portfolio that can pay out a decent amount of dividends while eliminating the worry of major losses as Im not in a major rush for cash since I’m barely eighteen. Any advice and tips would be great appreciated. | 1,749,235,943 | 2025-06-06 18:52:23 | Emotional-Border-483 | 37 | 23 | 0.89 | Discussion | /r/dividends/comments/1l50baa/how_am_i_doing/ | https://www.reddit.com/gallery/1l50baa | dividends | 3m |
1l3hgrw | Started Roth IRA in April 2025; Progress | Currently contributing $20-50/days on these stocks. Any advice or tips would be appreciated! | 1,749,072,050 | 2025-06-04 21:20:50 | Disastrous_Tune_5117 | 2 | 3 | 1 | Personal Goal | /r/dividends/comments/1l3hgrw/started_roth_ira_in_april_2025_progress/ | dividends | 3m | |
1l2vke0 | 13 Shares of $MSTY Weekly | Yup, you read it correctly 13 shares a week. This unknown reason to just yeet $1200/month into $MSTY
SHOULD I just drip the dividends back in or where do you take your dividends and invest in? | 1,749,007,816 | 2025-06-04 03:30:16 | Bitter-Panda7571 | 3 | 26 | 0.54 | Discussion | /r/dividends/comments/1l2vke0/13_shares_of_msty_weekly/ | dividends | 3m | |
1kytznd | 33M - Have typically invested in Index Funds, branching out. Thoughts? | I have been investing off and on since I was 18, but only started taking things seriously the last year or so when I finally had a job with a 401k. Thoughts? | 1,748,574,751 | 2025-05-30 03:12:31 | Ambitious-Egg-8748 | 11 | 9 | 0.79 | Seeking Advice | /r/dividends/comments/1kytznd/33m_have_typically_invested_in_index_funds/ | dividends | 3m | |
1kys8ua | Thoughts on EPD ? my highest income investment right now | null | 1,748,569,462 | 2025-05-30 01:44:22 | not_a_bug_a_feature | 36 | 48 | 0.91 | Due Diligence | /r/dividends/comments/1kys8ua/thoughts_on_epd_my_highest_income_investment/ | dividends | 3m | |
1kvfgt6 | any tips or opinions, to a new trader (myself) would be awesome! | So this is my 250$ portfolio I’ve got 127$ uninvested right now, waiting for market to open back up Tuesday, so I can grab some dips hopefully, mainly I’m just working on a medium growth medium dividend portfolio! any tips are appreciated! | 1,748,213,858 | 2025-05-25 22:57:38 | IntelligentSuccess26 | 9 | 4 | 0.8 | Discussion | /r/dividends/comments/1kvfgt6/any_tips_or_opinions_to_a_new_trader_myself_would/ | https://www.reddit.com/gallery/1kvfgt6 | dividends | 3m |
1kuhw49 | 2 month update on port | Bought an additional 3.71 shares since last post. Fell short of my 15 share goal for this month but I’m in no rush. trying for 20 shares by the end of June.
| 1,748,109,976 | 2025-05-24 18:06:16 | Fantastic-Permit-400 | 37 | 21 | 0.88 | Personal Goal | /r/dividends/comments/1kuhw49/2_month_update_on_port/ | https://www.reddit.com/gallery/1kuhw49 | dividends | 3m |
1ktm1ui | DROPPING IT LIKE ITS 🔥 | I don't know what everyone else is doing. But I am going to take this opportunity to buy more MSTY. It's going on a discount once again. | 1,748,013,205 | 2025-05-23 15:13:25 | NerveChemical9718 | 2 | 11 | 0.56 | Discussion | /r/dividends/comments/1ktm1ui/dropping_it_like_its/ | dividends | 3m | |
1ktkpcd | On 🔥 Big Pay Day | I am really in ❤️ with YBTC. This etf has been for awesome lately. I am enjoying seeing this fund thrive. Trying to get to 200 shares B4 this month ends. | 1,748,009,826 | 2025-05-23 14:17:06 | NerveChemical9718 | 8 | 2 | 0.9 | Opinion | /r/dividends/comments/1ktkpcd/on_big_pay_day/ | dividends | 3m | |
1kqqzih | Portfolio Critique | 47M, getting 7M from sale of business, have 1.3M already in SCHD, going to work for 7 more years until child graduates from high school. Plan for portfolio to grow to over 10M over 7 years (7% RoR). Dividends reinvested until retire at that point.
Proposed portfolio:
SCHD 40%
Individual stocks and REITS 20%
QQQ (f... | 1,747,698,762 | 2025-05-19 23:52:42 | Majestic-Cod9650 | 4 | 15 | 0.84 | Discussion | /r/dividends/comments/1kqqzih/portfolio_critique/ | https://www.reddit.com/r/dividends/comments/1kqqzih/portfolio_critique/ | dividends | 3m |
1kqc3k5 | Zim beat their earnings by 25% | Earlier in this sub, I asked if these high div stocks are even real and many people responded only ZIM, I was able to get in at a 14$ avg 🙏 god bless, should I sell or hold til dividend payment? | 1,747,662,370 | 2025-05-19 13:46:10 | DatabaseOutrageous31 | 43 | 19 | 0.88 | Discussion | /r/dividends/comments/1kqc3k5/zim_beat_their_earnings_by_25/ | dividends | 3m | |
1kn7j2p | Maxed for the year | Started my Roth earlier this year and got my full contributions in. Now the waiting game 😝✌🏾 | 1,747,313,830 | 2025-05-15 12:57:10 | No_Patience_5939 | 70 | 15 | 0.95 | Other | /r/dividends/comments/1kn7j2p/maxed_for_the_year/ | dividends | 3m |
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