personal finance

I just filled up my car at an Esso station. Price at pump said 142.9 c/L. I redeemed some PC points to get a supposed 10c/L off. Pump shows I put in 53.578L for $72.56, or 135.4 c/L, saving me about 7.5c/L, not 10. Am I missing something? Or do they just lie? I wanted to print a receipt but it...

25 y/o male living in NYC making $76K at a fortune 500 company. There is good opportunity for a promotion in the 9-12 month range and great visibility in my role now. my post tax monthly take home is about $4800. I contribute to get the max company match on my 401(k), about $760/month, current...

Hi r/eupersonalfinance, Im part of a team of computer and data scientists from a university in Copenhagen aiming to apply our knowledge and competences on the stock-market. Therefore we created KurmAI. We are hoping to learn more about whether retail investors trust AI in the stock market...

Title should have been individual vs business I am waiting for a response back from TD if they ever respond back. The recipient I am wiring money to has a business account managed by the Small Business Service center. They said that even though it's a business account it's held by an...

(TLDR - The best thing you can do financially when shopping for a car is to buy a reliable used car) If reading isn't your thing, here's a video I made covering the same subject Buying a car is an important financial decision, which is why it absolutely never makes financial sense to buy a new...

Hi everyone, before jumping into it, here's some context. I'm a single Chinese guy that's close to 30. I've got no debts, really just driving an old hand-me-down car, renting in KL. I'm currently working in one of the top consulting firms for my specialty. I'm currently deciding between these 2...

I’m currently in my second semester of my freshmen year of college and I feel behind compared to the people around me. I have a son due in in early June and I’m struggling to see the other side. I’ve been blessed to have my mother pay for my 4 years completely so I know I won’t ever have to...

Hello guys. I am an NPS Tier-1 subscriber via the NSDL Protean portal. I want to switch my PFM and make it look like the following: (1) ICICI Prudential Fund Manager for Equity - 50% (E) (2) HDFC Pension Mgt. PFM for Corporate - 30% (C) (3) LIC Pension Fund PFM for Government Securities - 20%...

This should serve as a lesson lalo n s mga nag iisip. My crypto assets are under performing kaya sinubukan ko sabong. Napaka dali na lang kasi mag cash in/out lalo n connected sa Gcash. tapos nandun pa Gsave ko. Total lost amounting to 20K na siguro in a span of 3 mos. Controlled na yan...

Dear all, Long time follower of the sub, I would like your opinion on the following situation. My partner (32F) and I (29M) live in Switzerland and are putting money aside. We looked at investment options (banks, robo-advisors, etc...) and came across the Boglehead approach and decided to take...

Morning all. I’m currently working remotely/ online as a freelancer. I do also have a few businesses as well as an online business which are slow and have not yet taken off. None of my businesses are registered yet and all currently trade under one/ similar names. I’d like to find out if it...

Hi, I just noticed that there are people talking about members on our Sub saying that almost most members are earning six figures here (which is not true) I believe majority still earns below that and lurk around, however most active members are the ones earning above. "there's a lot of 6-7...

Howdy! I have just maxed out all three accounts for the year and I will continue to contribute the maximum amount to a defined contribution plan at work on an annual basis, plus a HISA. I’m single, currently rent in Quebec, do not have any debt or any dependents and travel quite often for...

Just starting out with researching HSAs—what’s your best advice? Hi all 👋 I am in the beginning stages of working through the prime directive steps from r/personalfinance and have now gotten to the HSA step and it seems like quite a learning curve on this one. I’m a federal employee and I...

Living in Los Angeles, since 2022 I worked a bunch of jobs, 1099 apps and temp gigs agencies. No health insurance either. I made like 28k from the 1099 apps doing catering work and about 2-3k from W-2 agencies that didn't withhold any tax. 2023, I wasn't doing financially well so I didn't pay or...

I have a rental property with the same, excellent tenants in place for a decade. They pay me about 50% below the current market rate, which has been enough for me to cover the mortgage, and I've o my increased the rent (by a small amount) once in the entire period. There's a tracker mortgage on...

Wise banking which we used for 6 years with zero issues, out of nowhere decided that one of my businesses - video game services, is not allowed per their T.o.S, and has closed all my accounts with all my savings and available money. Not just one business, but all my 5 different small businesses...

I just retired this month and I am trying to figure out how much money to withhold from my retirement pay for Federal taxes so I don't get a surprise at the end of the year. I live in a state that doesn't tax military pensions. I also have two children. My situation is as follows: Myself: -...

I posted this in a response to a comment on another subreddit but the OP was a bot I guess and their post was removed. I figured this is an important enough lift to share with people to also post it here in its own topic. Anyway here is my list and I look forward to seeing what others come up...

Dumb question. I'm currently navy. I'm starting down the barrel of a continuation pay(CP) Bonus. I understand that there is a 4 year requirement to get the max amount. (I don't know what the full amount is as the navy instruction does not clarify but I know it's between 2.5-13x my base pay.) I...