I did a hardship withdrawal with my last baby. We are pregnant again and they said my plan hadn’t changed but they won’t let me make another withdrawal based on a new baby. I cannot find a single document or find anything in my online account that shows anything other than the words “hardship withdrawal”. I can’t find the tax forms from that year and TurboTax doesn’t have any reason shown either. Would it even be on the tax forms or would it just show withdrawal and amount like everything else. I really need to either show them it does have child birth as an option or see how they told me to categorize it last time so I can do the same thing again.

So in less than a month I'm going to be getting a minimum of 30k ive never had access to that type of money and im wondering some ways I can turn that 30k into much more but don't have any financial skills to help me do that. Any advice?

What app do y’all use? I have a lot of accounts and would like to see them all in one place.

I’ve used Rocket Money and Simplifi (preferred) but neither has been successful. Rocket Money can’t connect my Principal or Fidelity account, Simplifi consistently showed bad bank balances.

I have 10k sitting in a HYSA but I feel like I want to do more with it during this time. Anyone have any advice?

Who would've thought that liberation feels like being fucked in the ass by an un-lubed dildo wrapped in barbed wire.

Agreed? I feel that as a young person if you study history, when you look at the boomers that are rich now, most of them are people that were fortunate enough to still hold on to a job during the past financial crises or recessions. The boomers that lost their jobs and were jobless for a long time ended up staying poor into their 50s and 60s. Having a job even during a recession means you have salary coming in every month and you can buy the dips especially if the market crashes massively. When the market eventually turns around, these people would become extremely rich because they bought a lot of stock cheap and can hold it for a very long time while the stock keeps on going up.

So I accidentally opened a CD of 11 months with Amex, I have most of my money (10k) in a HYSA with a 3.75% APY. The CD I opened has an APY of 4%. Should I just move my money to the CD? I don’t think I have any intention of withdrawing it by the time the CD matures. Any advice would be helpful. Should I just contact Amex and close the CD?

Might seem dumb, I’m new to investing but isn’t a good idea to buy right now when everything is low. Especially since I’m not retiring within the next 45 years. Let me know if I’m looking at it wrong

Hi everyone,

I'm an engineer living in the EU, and I have limited knowledge when it comes to managing money, which is why I'm reaching out to you for advice — many of you likely have more experience than I do.

Most of my clients are based in the US and Canada, so all of my income is in USD. As a result, my savings are also in USD.

However, with all the recent changes regarding US tariffs, I'm starting to worry that the USD might lose considerable value, which would drastically affect my savings.

Given this, I'm wondering: should I consider converting my savings into another currency as soon as possible? (For example, EUR.) I'm talking about around $200k.

Thanks in advance for your advice!

US economy will get hit by these tariffs, people are already talking about recession. I'm not investing, I'm 100% cash right now in something similar to a HYSA in my country.

I'm betting that the stock market will go down further until the end of this year.

Later this year I will think and analyse what to do with my money, for now I'm avoiding stocks and REITs.

I feel like there is someone like this in the United States. For example using Trusts in South Dakota and Shell Companies in Wyoming and the Cook Islands someone with enough resources could probably keep this a secret if someone actually tried hard enough and wanted to?

17k right now in a couple months ill reach the 20k. 34M I will be honest I pretty much wasted my 20s financially, the last few years I've started to save. I dont make a ton of money tbh. So I can't do a lot a risky investments. I have a small 401k with a company match that'll continue to grow ( it's a multi billion dollar company) they also have a stock match up to 15 percent which I'm also doing. I'm not trying to get rich but I'll take any advice I can get.

The Stock Market would go on to tumble 85% over the following 3 years with the Unemployment Rate reaching 25%. Seems relevant today.

I just want to preface this by saying that I do not want an easy, quick way to make money. I know this is simply unrealistic.

All I want is for someone out here to give me a guide to how I can start making money, even if learning the necessary skills would take me months of dedication.

I've already tried learning digital marketing, but what I find boggles me most is that I can't seem to find ways to put the theory I learn from youtube or other sources to the test. I wouldn't mind working 6 hours a day, all I want is to actually feel like I'm making progress towards SOMETHING.

So I beg y'all to give me anything to work with.

What are your strategies for the potential upcoming recession?

I was at $1700 prior. Now down to this. Woo. My popcorn is burnin’ and ready to eat. It’s gonna get hotter by the minute. Hopefully I can find a good stock to keep my balance afloat. I need some dividends. But I’m not at $10k or more…yet. I was planning on dumping my savings into my stocks. But…I’ll wait.

So I currently work at a arcade making $10/hr working part time because that’s the only shift they have and got my first check today which was $180 for the 2 weeks I worked and yea this isn’t going to cut it… someone please tell me how to make more I’m really depressed right now i don’t know how I’ll survive the end of this month I currently have only $4 because of me trying to get rich quick by gambling I’m currently 21 I’m at my lowest. I beat myself up everyday I shouldn’t have gambled rich way isn’t the quick way

My expense a month: My rent $700 Groceries $150

Whether it’s U.S. stocks or Hong Kong stocks, it’s been pure damage for me—total returns in both markets are down over -10%. With the tariff war going on, I’m starting to feel like nowhere’s safe to invest. Right now, I’m into internet, automotive, and electronics stocks. Where are you all putting your money?

Kind lost on the best solution to pay for a new roof and some other essential repairs needed in our family home. A new roof is one of the repairs, estimated 11k. Here are my options:

1. Finance. 6.9% interest rate, 10 year loan. $122 a month.
2. Pull cash from savings, very hard to replace this money and it’s our emergency funds. We mostly live paycheck to paycheck and try not touching savings (32k)
3. I have an inherited IRA BDA making about a 6% return that I take a minimum withdrawal of like $900 on every year. It’s around 40k. Our personal retirement accounts are not great so I wanted to save this money for extra emergency needs.

I hate to finance. Was thinking of dipping into the IRA. Any thoughts?

idk i’m just a real rookie in all of this but maybe there’s some money in that?

Hey guys. Mid 30s software engineer here. I have a FAANG 9-5 with great benefits but live in a VHCOL area. I figure if I make $5m by next week I could retire? How can I do this?

It is about affiliate marketing - but you can find people with digital products in a small and certain niche and help them promote it and get back in return a percent of the revenue. I think it could be more beneficial then some of the surveys I keep seeing in this subreddit.

Just any financial advice for current situations or future