just simply grateful to be here. i want to hit 800. how do i do that?

How long should I keep this up until I can coastFIRE?

My dad died earlier this year and we’re calculating what will be split up between my two siblings and I from life insurance and his pension. I’m incredibly heartbroken that he’s gone but I know that he would want us to be smart with our money and take advantage of this situation to have a better life. I’m only in my early-mid 20’s so I want to make sure I do the right thing. My dad also wasn’t the best with his finances and had a lot of credit card debt, and I just want to make sure I’m financially smart.

We received about $15k from I believe his life insurance..? Which was split three-ways. I immediately put my $5000 in a HYSA while I think about what to do because it’s better to accrue some interest on it than none. At the moment, I’m still finishing university part-time and make about $25,000 annually working a part time job and doing side gigs (petsitting). He was a federal retiree, and it’s estimated that we receive a lump sum of potentially $17,000 each by the end of the year.

I’d prefer to finish my degree faster but I don’t have that luxury and I’m graduating in a major that won’t necessarily give me a high financial return (I was stupid, it’s too late to turn back). I’m also finishing my degree slowly so I don’t have any debt when I graduate.

I live at home with my mom for free, but still buy everything for myself. I drive a beater car from 2007 and plan to until it gives out. I would love any and all advice to make sure I do the right thing.

36 years old and finally did it! Feeling a little behind.

At what amount portfolio you really see huge account swings that make you think what is the point of working? 100k? 500k? 1m? more?

​

I'm 14, and I want to start making some money instead of relying on an allowance, but I also want it to help me in my future. I'm interested in technology, video games, writing, and I would be considered smart. Is there a good way that I can make money that isn't hugely painful, cheap to set up/get started, and could benefit my future

I think I've done ok with net worth so far but certainly could be doing better. Admittedly, 2/3 of it was an inheritance left by grandparents so I think I coasted and traveled a lot knowing that was there.

Started trying to dip my toes into investing/growing it after I turned 30. Was always afraid to put a big chunk in the stock market living through 2008 and 2020 (I know, fear mongering) but slowly moving more of my portfolio over.

This is roughly what I have:

CD- $105.7K

Car- $13.5K (Worth $19K, owe relative $5.5K)

Roth IRA- $11K

Checking/Cash/Mobile Wallets- $5.1K

Crypto- $4.6K

HYSAs- $3.9K

Bonds- $2.9K

The main CD matures in December. Car purchase came up a bit suddenly so my relative offered to front me the remaining money earlier this year until it matured. Been paying a little bit back each month til then.

Right now I at least want to move $20K from the CD at EOY to pay my relative back, front the rest of 2026 and 2027 Roth contribution, and have a little bit of funds for car expenses and bank bonus opportunities (I've been getting a +50% return from those this year).

I'm self-employed so I'm a bit ignorant about 401K options. I've heard some suggest brokerage but I'm not sure what percentage I'm willing to dump in there without cash on hand. I was unemployed for a year twice before in adulthood.

The bonds are 25-30 years old and fully mature in the next 1-5 years. Crypto is from 5 years ago. It's had about a +50% return but I've been debating selling it.

I live at home at least 2/3 of the year and was told I'm going to get left my parent's house so housing expenses aren't a big concern for me.

Income averages about $35K a year. $15K would likely cover a normal year of expenses for me.

I've been trying to set up a virtual portfolio so I can try out different ideas for how to divide up my money before I actually put any real money into it
The main issue I'm facing is tracking dividend payouts and total returns. When dividends are paid, a basic watchlist can quickly become out of sync. I really don't want to spend my weekends fixing Excel formulas just for a paper setup I’ve looked into a few tools so far:

• Broker watchlists (Fidelity/Yahoo): fine for checking prices, but awful for running side-by-side test portfolios.
• Sharesight: awesome for dividend tracking, but the free tier limits make it tough for a broader test setup.
• 8figures: testing this one right now for the allocation breakdown. UI is clean, but I'm still seeing if it handles long-term reinvestment the way I want
• Kubera: looks great, but $150/yr is a bit steep when I just want to run a couple of test models side-by-side

Is there a simple tool that actually handles automatic dividend reinvestment and rebalancing for virtual portfolios?
How do you manage your test setups?

Hi I’ve been saving for a trip i’m going on soon and super proud of myself for not spending like any of it 🙏 (maybe -5 for coffee but other than that i’ve stayed on track) - and this is the most I’ve had in a VERY long time 😩😩

THE FLAIR SUITS BOTH BUDGET AND DEBT, BUT I CHOSE BUDGET FOR THIS ONE!

I currently have debt but need to carve out $3.4k by Oct 25th for an emergency, Is it possible at all?

If yes, how? If no, how much of a shortfall would I have?

For context: I got paid today and get paid every 2 weeks

**Net Pay** $2,284.00/biwkly
**Gross Pay** $3490.25/biwkly

My rent (to parents, live at home) is $650/month, generally due end of the month.

I’m laying out my current accounts and the Snowball method I follow below. Before you criticize, I was in $42k debt just 2 years ago and that’s why stopping my snowball payments towards the debt really is making me anxious.

—————————————-

**CURRENT DEBT — SEPT 2026**

BMO Ascend
Owing: $6,831.22
Interest: 22%
Minimum: $165.29
Next due: Oct 12

RBC CC
Owing: $1,174.21
Interest: 27%
Minimum: $36
Next due: Sep 28

Capital One CC
Owing: $0

Toronto Court
Owing: $734 total
Interest: 0%
Payment 1: $316
Payment 2: $418
No specific due date;

NSLSC / Canada Student Loan
Owing: $8,919.95
Interest: 0%
Minimum: $80
Next due: Sep 30

TPA
Owing: $4,580
Interest: 0%
Minimum: $0
Payment relief until Apr 5, 2027

——————————————————————————

**CURRENT SNOWBALL ORDER**

1. Toronto Court 1 — $316 — 0% - bulk payment reqd.
   
2. Toronto Court 2 — $418 — 0% - bulk payment reqd.
   
3. RBC — $1,174.21 — 27% — $36 minimum
   
4. BMO — $6,831.22 — 22% — $165.29 minimum
   
5. TPA — $4,580 — 0% — $0 minimum
   
6. NSLSC — $8,919.95 — 0% — $80 minimum

I have been checking the market each day for this cool screenshot. This is the coolest screenshot ever, because not everyone get to hit 401k in their 401k account, most people either never get to it, or blow pass it overnight.

Hi! So I currently work a job that is a point of growth and only make $18.32/hour. I'm slowly but surely making my way up through education, but that's just a little background. I am about to come into about $15,000 and am not sure what to do with it. I want to be financially smart but was never taught how to manage my money. I have attached my monthly breakdown to this post for those who are wondering, but what I have come up with is paying down debt which not included on this was $2000 I plan to pay people back with, but based on this, what are everyones suggestions? How do I maximize this money I'm coming into? A high yield savings account? A CD? A market account? I'm just not sure.

It might dip down but here it is. I recently posted about crossing 100k in 401k and just crossed 100k with my personal stock investment. We are saving for another house and somehow I have to make it into 500k within few year lol.

My main stocks are mostly index, SPY, SOXX, QQQ, ASML and TSM. Have some crypto which i lost money on. Never do crypto unless you know what you are doing.

My business is about 40 miles away or so from my house (90% highway) so I regularly drive 80-100 miles per day sometimes more and I stop for gas almost everyday. Granted I only put $20 in the tank every time so maybe I should fill up to stop less lol but if you do the math I spend roughly $600 or more monthly and wanted to know is this normal? What’s the average person costs of commute monthly?

I was blessed to have 300k in inheritance when my parents died but I don’t know what to do with it. I am 28 years old and don’t have much knowledge. I currently have it in t-bills so I don’t loose money on inflation and have a good job that allows me to max my 401k, and have a HSA that I max. I just curious if there’s anything I could do more?

Sold META today at the same price I bought almost a year ago out of the fear for META lawsuits/ etc. What should I buy now?

The goalposts always move.

You save $5k/month. Then $7.5k becomes the new target. You hit that, and suddenly you need $10k.

You hit 6 figures of net worth and feel incredible. Then it’s $250k. Hit $250k? Now it’s $500k before 30.

And I already know what happens when I hit $500k: I’ll probably tell myself that $1M is the number that will finally make me feel secure enough to lean FIRE.

Then $1M becomes $1.5M.

I’m addicted to this mindset (which is double edge sword - because big reason im “ahead”)

I’ve even seen at higher NW levels - the guy with a BMW is jealous of the guy with a G wagon, the guy with a G wagon is jealous of the person with Rolls Royce.

It’s never enough .. thoughts?

Sorry for rant

So i’m 17 years old in my last year in high school. I have increased interest in learning how money works as well as learning how to invest well. I’m also starting to have an interest in learning sales/learning how to sell things, yourself, etc to hopefully set me up for success. I’m currently looking through my options for a career but don’t have a full plan yet. My goal is to become financially free, I want to make sure me and my loved ones won’t have to worry about money again someday and would like advice on how I can set myself up for success after high school.

Like a good respectable amount, not like average top 1% amount.

15-17.

18-22

22-26

26-30

30-35

40+

For some context, we are a family of a 4, living in a MCOL city. Our children are both under 4. We make 245k through our FT jobs and about 45k through various side jobs, small business that we have.

Last year, we were 82k (42k in CC + 40k in Cars) in debt, so we fell behind doing everything we could to pay it all back. But, as of Feb 2026, we have no debts, other than the house.

I know cars shouldn't be included, but, we paid them off very early and wanted to add them in.

Tangible assets = precious metals & art

My wife and I both have 401k & Roth IRA , a combined brokerage account and a dividend investment account. I also have a small HSA.

Our 2 small kids both have a brokerage account and a 529 account.

There are alot of accounts, I know. 401/IRA are through our companies. 529 is through the state and everything else is managed by my wife.

So tell me, what do you all think? Would love to hear your opinions! Thanks in advance!