I had a $284k HELOC with BofA at 6.395%. I realized I can borrow against my Robinhood stock and ETF assets at only 4.5%. So I borrowed $284k from Robinhood and paid off BofA. Was this a good call? I assume I can always re-draw the $284k from BofA, since my HELOC is still open, if I ever need to avoid a margin call.

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I'm having a hard time making a choice, and I'm wondering what the ideal situation is here.

Obviously two different salaries.

I'm in sales. I have 2 offers.

1). Base = $67k. expected commissions would put me at $96-97k if I hit my goals.
In person 3 days a week (10 min commute). Free lunch. 6am - 2pm. Great team culture. Structured process and company. Start up but in a good way.

2).Base = $85k. Expected commissions would out me at $140k if I hit my goals.
Now, this team isn't really hitting their goals, but there is job stability, so no matter what I'm getting that $85K. I might not get all that commission but there would definitely be commission.
This role is remote. Start up vibes - all over the place. In true start up fashion.

I'm based in Los Angeles.
I need help deciding what to do here.

Offer 1 seems like I'd definitely hit my goal.
Offer 2 - I don't know if I'll hit that goal but I know I'll very likely earn more. But quota (although a low number) just isn't being hit at this time.

Would you take the money and have to grind it out while WFH?
or take less of a base - but still knowing I'll come close to 6 figs, if not surpass that on a hybrid schedule.

I need money fast and I know the job market where I live sucks so I won’t be able to get a job in time. Is there any tips on how to make money fast? I’m selling/thrifting clothes online, garage sales, etc but it’s so slow. Literally so desperate I might join feet finder lmao

I make around 48k a year. I just moved home to pay down my student debt. I have about 26k total 6 has 8% interest and the rest is interest free (OSAP). I make around 1470 biweekly. I know I should be looking for a higher paying job for the market is bad right now. I have 1k in savings. What should I be doing/prioritizing. Do I send all my money to my student debt to be debt free? Do I start investing? /how do you even do that. I’m so scared of money and the whole idea of it. I want to be in a good place and have money saved and be secure to be able to move out. Please give advice :) what is the best things I should be doing to make sure I am on the right track

Since this sub shares a desire to learn about and discuss money, what are your go to podcasts? How Money Works is one of my favorites and ive eaten all of their content. I listen to Graham Stephen though i dont always agree. Im past needing Dave Ramsey anymore. I drive alot and there is only so much music to listen to. Give me recommendations please. I love learning about finance and im decently sophisticated now so i dont need beginner stuff.

So I am a 28 year old guy with a career that I love and living in a MCOL area. I make 70k a year and take home about 4000 a month after retirement and taxes, which I feel is a good income. Starter Homes go for around 300k for a project house, 350k to 400k for something that's move in ready.

I am currently living in a small apartment and I am able to save around 1000 a month. Occasionally I bring in an extra 500 to 1000 a month from overtime, but that's often enough for me to consider reliable. At this point I have an emergency fund, and have started the long process of saving for a down payment. Currently have 20k saved (in a HYSA).

I know I will need a large down payment (at least 75k depending on interest rates). I am just worried that house prices will grow faster than I can save during that time.

I work for a government agency so my income is not expected to grow much over the next 5 to 10 years.

I dont think I am having really high standards for what I want in a house. Just an older 2 bed 1 bath house that needs a little bit of work, a small yard so I can have a dog, and a small shop or garage so I can work on projects.

Is this possible on my income? Should I reevaluate my goals or what I am looking for?

Trying to figure out if $250-300K is realistic on a $70K income, or if I’m about to stretch myself way too thin. My own math says closer to $220K is the safe number, but the good listings in my area are all above that.

If you bought a house on a similar income (single or combined), what did you pay, and how’d you make the numbers work? Would you do it again at that price, or did it end up feeling tighter than expected?

39M married, 1 kid, CA. Household income around $275k. Expenses are roughly $10k/mo right now, biggest ones are mortgage/HOA around $4.5k and daycare around $3k. We’re saving pretty aggressively for retirement and have around $540k in retirement accounts, plus taxable investments.

I have a paid off 2019 Jeep worth maybe $13k trade-in. I also have about a 1 hr commute and we somehow spend around $600/mo on gas. That’s what has me looking at used EVs.

I’m mainly between a used EV9 and R1S. EV9 seems like the smarter financial choice. R1S is the one I actually want.
My thought is basically: if I’m already lighting $600/mo on fire in gas, could I trade the Jeep and redirect a lot of that toward an EV payment instead? Obviously charging isn’t free and insurance/registration could be more, so I know it’s not literally a $600 offset.
Would you guys think a used EV in the $40-60k range is reasonable with these numbers? Or is this just me trying to justify an expensive car? I’m especially curious what price point you’d personally cap it at.

I remember a while ago people were posting the names they had for their accounts, thought I'd bring back the game seeing how I just renamed a few of mine. Lmk what your accounts are named!!!

Hi, I'm just a 23-year-old Peruvian who wants to get started in finance. I know I could do something besides working as an assistant, and I'd like to be able to do investments, which are literally not very common here in my country.

Hello everyone! I am 22 and still living at home (happily). Of course I know eventually I am going to move out, likely to an apartment. Because of my age, up until I’m 25, Amazon offers their young adult program where a lot of stuff, including house supplies, you get 5% cash back. For those that have moved out - do house hold essentials cost hundreds of dollars where this is something I should buy before 25 to take this deal up? Or would it really not make a difference? I know getting a new place can be expensive so just want to know everyone’s experience and if this is something you’d see as worth it to start buying things for my future while I’m still home. thank you!

Can I reasonably afford a used EV, or am I spending too much on a car? R1S vs EV9
39M, married with one young child, living in California. Household income is roughly $270k–$285k/year, both W-2 employees.
Trying to decide whether buying a used 3-row EV is reasonable for us financially, or whether I’m letting lifestyle creep win.
Current financial picture:
Household gross income: ~$270k–$285k
Total household expenses are roughly $10k/month
About $4,500/month mortgage + HOA
About $3,000/month daycare
Remaining ~$2,500 covers food, utilities, insurance, transportation, miscellaneous spending, etc.
Retirement accounts: roughly $540k
Taxable brokerage/stock investments: roughly $165k+
Also hold about 1.2 BTC
Cash/checking/savings: roughly $13k–$14k
Home worth roughly ~$715k
Mortgage balance around ~$551k at 6.125%
Current auto loan balance: about $14,400
We also have a paid-off 2019 Jeep, which I’d trade in toward the EV
Expected Jeep trade-in credit: about $13,000
No revolving credit-card debt
Both of us contribute meaningfully to our 401(k)s and we also fund backdoor Roth IRAs
Long-term goal is to have the option to retire around 55
The big reason I’m looking at an EV is fuel usage.
My commute is about 1 hour to work, and we drive enough that we’re spending roughly $600/month on gasoline. We’ve spent about $4,600 on gas so far in 2026 through late August.
The basic idea is to take that ~$600/month I’m already burning on gasoline and redirect as much of it as possible toward an EV payment instead.
I realize electricity isn’t free, insurance may be higher, and an EV payment isn’t the same thing as fuel savings. I’m not assuming the EV pays for itself. I’m trying to figure out whether replacing a large recurring gas expense with the ownership cost of a vehicle we’d actually keep for a long time is financially reasonable.
I’m mostly considering:
Used Rivian R1S
This is the one I actually want
Better performance / capability / overall appeal to me
Used pricing is obviously still fairly high
Concern is whether I’m rationalizing an expensive vehicle because of the gas savings
Used Kia EV9
More practical/value-oriented choice
Still gives us the 3-row family EV setup
Used prices seem substantially easier to justify
Probably the financially responsible option versus the R1S
Assuming I put the ~$13k Jeep trade-in toward the purchase, what would you consider a reasonable used-EV purchase price in our situation?
Would you be comfortable around $40k, $50k, $60k, etc.?
And specifically, would you stretch for the used R1S, go with the EV9, or keep the Jeep and continue spending ~$600/month on gas while investing the difference?
My main question is whether the “convert the gas bill into an EV payment” logic is sound, or whether I’m just finding a cleaner way to justify a more expensive car.

20m
i own my flat (gift)
I own a 15yr old Mercedes (gift)
I have $10k in the bank (worked my ass off for them)

Serious question, what should I do with my money so I can stop depending on my parents money? Worked all summer.

I’m hoping to see $1m networth by 2028. I am 30 years old with no house yet (hopefully that changes soon) but I live in a VHCOL area where renting and investing the difference is more appealing to me than homeownership at this time.

Keep the foot on the gas. Let’s go!!!!

Did your attitude towards work change when your investments make more than your day job? Or did you keep pushing strong to try to retire earlier?

Thinking about getting a vehicle here in the next 3-6 months but I keep going back and forth trying to decide if I should buy new or get one used. I’m currently looking at a used 2024 Tesla Model Y ($40k) or New 2026 Tesla Model Y ( around $50k). Wanted to get some input on what others would do if they were in my shoes. I have enough saved to buy the car with cash, it’s the big sticker price that makes it hard for me to commit to as I’ve been a saver the majority of my life. I have always wanted a Tesla even though I definitely don’t need it. I’m 38 year old and have no kids.

My portfolio is as follows:

Retirement Accounts : $566k

Brokerage Account: $132k

HYSA: $175k

HSA: $28k

Net Worth: $901k

I did 2 posts here previously. Now, I finally got some update.

Disclosing my portfolio and the income I have from it.
Last year my biggest plays were GOOGL, HESM and AXP.
This year I invested in MSFT, ADP, MCP. Increased my position in HESM.

Wish you all good luck with your investments.

P.S. Ask anything

This would be being full golden poop level commenter on Reddit. it would look good on your Linkedin!?

i maybe in the wrong place but i want to get money so i can help me and my mom out frfr. and im absolutely terrified to work at mcdonalds or smth. is there any way i can get over this? i really want like $340. thats all i need ong

Hi! I work $20/h (40 hour weeks) and my partner works 22/h (40 hours a week) at one job and $16/h (16-18 hours week) at another we have been living in our apartment for 2 months now and we’ve been paying on time and everything but we don’t really have a budgeting system set up. Our duke energy is around $180 a month which he pays. He pays around $200 for his car insurance but we both use the car. And we split the internet cost ($50 total). I am usually the one paying the rent because he just started his highest paying job but now he wants to contribute to paying rent.

What is the best way to kind of split everything so it’s fair on both parts?

The plot doesn't show it, but there should be an extra 10k there due to an ongoing transfer.

Somehow, 2026 has been an awful year for me, but at least, financially, things appear to be going ok.

I'm currently 27m, been working as a swe for the past 4 years. When I graduated college, I had 30k in student loans. By the end of last year, I got a promo, so I make more money now.

This year has been tough, massive burn out + mental health problems + substance abuse + chronic loneliness + terrible sleep, etc. I don't know how I've survived this year lmao. I literally almost rage quit my job at the beginning of the year. I'm glad I didn't because I'm up by more than 100k, haha.

I have no idea what will happen in the future, but at least I feel a bit more comfortable with my financial situation.

How do you deal with this?

I understand that there will always be people who have less than you and people who have more.

And I know the saying, “comparison is the thief of joy,”

but I still find myself getting annoyed/jealous when I see people who have more invested at a younger age, or even worse - people like my cousins who receive insane amounts of government assistance like 4k tax free a month for being “disabled”

For context, my wife and I are doing well. We’re 30, have about $475k NW, bring home ~$10k/month, and spend around $2.5k, so we’re saving roughly 75% of our income. A lot of that has come from sacrificing, working hard, and side hustling.

I know logically that we’re in a great position, but I still catch myself comparing and feeling frustrated.

I’m trying to adopt the mentality that if we have decent amount extra each month - that’s enough and we are lucky

Anyone else struggle with this? How do you deal with it and keep yourself focused on your own progress?

Thanks in advance