#personal-finance
#personal-finance

from247wallst.com

Why do so many Americans struggle to save $1,000 for emergencies - here's my perspective

Many Americans lack an emergency fund due to prioritizing spending over saving.

Retirement

Dave Ramsey Says to Make These 3 Key Moves as Recession Fears Grow

Mental health

I was taught financial literacy at a young age, but I still ended up with credit card debt. My problem was emotional spending.

Retirement

I Spent $1,089 at Starbucks in Just 7 Months - What Am I Doing?

from247wallst.com

Why do so many Americans struggle to save $1,000 for emergencies - here's my perspective

Many Americans lack an emergency fund due to prioritizing spending over saving.

Retirement

Dave Ramsey Says to Make These 3 Key Moves as Recession Fears Grow

Mental health

I was taught financial literacy at a young age, but I still ended up with credit card debt. My problem was emotional spending.

Retirement

I Spent $1,089 at Starbucks in Just 7 Months - What Am I Doing?

Bootstrapping

My husband and I lost everything in 2008. We created a debt settlement company and now we are worth $50 million.

Amber Duncan turned her bankruptcy experience into a successful debt settlement business, achieving millionaire status within two years.

Retirement

I left my JP Morgan job making over $250k to start my business, and thought I'd made a mistake

Hugh Morris transitioned from a stable job to entrepreneurship to gain freedom, control over client selection, and community involvement.

Bootstrapping

My husband and I lost everything in 2008. We created a debt settlement company and now we are worth $50 million.

Amber Duncan turned her bankruptcy experience into a successful debt settlement business, achieving millionaire status within two years.

I left my JP Morgan job making over $250k to start my business, and thought I'd made a mistake

Hugh Morris transitioned from a stable job to entrepreneurship to gain freedom, control over client selection, and community involvement.

more#entrepreneurship

I've heard the 4% rule is best for retirement savings but I'm questioning that

The 4% rule is a traditional withdrawal strategy, but it may not suit everyone's retirement needs.

The Biggest Mistakes People Make When Filing for Social Security - and How to Avoid Them

Many Americans lose significant Social Security benefits due to filing errors, emphasizing the need for proper preparation.

I Reached A $500,000 Net Worth at 24 - Now What Should I Do With My Wealth?

Some individuals in their 20s are successfully saving for retirement despite stereotypes about their financial habits.

I Have Well over $1 Million But I Feel Poor Because Most of the Money Doesn't Count.

Having a net worth of over $1 million does not guarantee feelings of wealth, especially if assets are tied up in illiquid investments.

I'm in my mid-50s and was going to retire this year but am having second thoughts because of the market

Retiring in a down market is challenging but manageable with proper portfolio composition.

90% of my net worth is in S&P 500 index funds - is a rental property a good idea?

The FIRE journey is personalized; understanding one's financial goals and strategies is essential for early retirement.

I've heard the 4% rule is best for retirement savings but I'm questioning that

The 4% rule is a traditional withdrawal strategy, but it may not suit everyone's retirement needs.

The Biggest Mistakes People Make When Filing for Social Security - and How to Avoid Them

Many Americans lose significant Social Security benefits due to filing errors, emphasizing the need for proper preparation.

I Reached A $500,000 Net Worth at 24 - Now What Should I Do With My Wealth?

Some individuals in their 20s are successfully saving for retirement despite stereotypes about their financial habits.

I Have Well over $1 Million But I Feel Poor Because Most of the Money Doesn't Count.

Having a net worth of over $1 million does not guarantee feelings of wealth, especially if assets are tied up in illiquid investments.

I'm in my mid-50s and was going to retire this year but am having second thoughts because of the market

Retiring in a down market is challenging but manageable with proper portfolio composition.

90% of my net worth is in S&P 500 index funds - is a rental property a good idea?

The FIRE journey is personalized; understanding one's financial goals and strategies is essential for early retirement.

more#retirement-planning

#financial-independence

At 48 With $4.5M in Assets-Is It Time to Walk Away From Work?

The emotional impact of retirement decisions can outweigh financial considerations.

Why I Refuse to Work Until 70 - A Call for Early Retirement and Financial Freedom

Retiring early is possible through frugality and aggressive investing, despite societal skepticism.

I'm in my 30s with $1.3 million - Should I quit my job now or keep grinding for a few more years?

Financial independence and early retirement hinge on achieving a personal target net worth, which varies widely among individuals.

I'm Retiring at 57 with $2.3 Million - Here's How I Feel About Leaving My Job

The ability to retire early can greatly relieve stress and improve mental health, especially after years in a toxic work environment.

Retirement

Is Financial Independence the Same as Being Rich? My Thoughts on Budgeting and Wealth Perception

At 48 With $4.5M in Assets-Is It Time to Walk Away From Work?

The emotional impact of retirement decisions can outweigh financial considerations.

Why I Refuse to Work Until 70 - A Call for Early Retirement and Financial Freedom

Retiring early is possible through frugality and aggressive investing, despite societal skepticism.

I'm in my 30s with $1.3 million - Should I quit my job now or keep grinding for a few more years?

Financial independence and early retirement hinge on achieving a personal target net worth, which varies widely among individuals.

I'm Retiring at 57 with $2.3 Million - Here's How I Feel About Leaving My Job

The ability to retire early can greatly relieve stress and improve mental health, especially after years in a toxic work environment.

more#financial-independence

Retirement

Is Financial Independence the Same as Being Rich? My Thoughts on Budgeting and Wealth Perception

#financial-literacy

fromAlleywatch

Growth hacking

Stash Raises $146M to Enhance Financial Guidance with its AI-Powered Platform

Bootstrapping

I'm 20 - My Credit Score is 587 and I Have Only $1,500 in Savings - What Should I Do?

fromAlleywatch

Growth hacking

Stash Raises $146M to Enhance Financial Guidance with its AI-Powered Platform

Bootstrapping

I'm 20 - My Credit Score is 587 and I Have Only $1,500 in Savings - What Should I Do?

more#financial-literacy

I moved to New York City for a job that paid $33,000 a year. I was constantly worried about money until I found my side hustle.

I can confidently say market research has turned my side hustles into a reliable source of income, helping me earn an extra $300 to $600 each month.

Roam Research

fromPage Six

Meghan Markle admits she feels guilty for 'having a lot' of money - but still thinks she'll 'never have enough'

Markle expressed, 'There's lots of guilt mentality surrounding having a lot. And at the same time, there's a scarcity mindset. It's easy to attach to... like, 'I'll never have enough.'"

London startup

#real-estate

Retirement

Dave Ramsey Slams Plan to Buy Parents' Home on $75K Salary

Retirement

I'm Selling My House After 4.5 Years - Is It a Mistake to Sell Now?

fromSlate Magazine

Renovation

My Cousin Told Me About a House He Wanted to Flip. I Accidentally Bought It.

Dave Ramsey Slams Plan to Buy Parents' Home on $75K Salary

Buying a home from family without proper financial structure can lead to significant issues.

Retirement

I'm Selling My House After 4.5 Years - Is It a Mistake to Sell Now?

fromSlate Magazine

Renovation

My Cousin Told Me About a House He Wanted to Flip. I Accidentally Bought It.

more#real-estate

fromBustle

These Zodiac Signs Love To Talk About Money

Geminis often talk about money as part of a planning process, encouraging everyone to be honest about their budgets when organizing events like girls' trips.

Relationships

I retired early and am financially comfortable despite divorce and market downturns. I want young people to know you can recover from misfortune.

Bernita Clark emphasizes the importance of careful saving and planning for a comfortable retirement.

Retirement

I retired 22 years ago with no savings plan, but now have $1.3 million. Stressing about retirement isn't worth it.

Retirement

They've been retired for 2 decades- and have learned to make the most of their golden years

Startup companies

QQQI vs. JEPQ: Which ETF Has the Most Qualified Dividends?

I retired early and am financially comfortable despite divorce and market downturns. I want young people to know you can recover from misfortune.

Bernita Clark emphasizes the importance of careful saving and planning for a comfortable retirement.

Retirement

I retired 22 years ago with no savings plan, but now have $1.3 million. Stressing about retirement isn't worth it.

Retirement

They've been retired for 2 decades- and have learned to make the most of their golden years

Startup companies

QQQI vs. JEPQ: Which ETF Has the Most Qualified Dividends?

Retirement

With a multimillion-dollar windfall on the horizon - is retirement inevitable or should I keep grinding?

Retirement

Three Years After Dad's Death, Why Can't I Access His 401(k)?

Retirement

With a multimillion-dollar windfall on the horizon - is retirement inevitable or should I keep grinding?

fromLondon Business News | Londonlovesbusiness.com

Retirement

Three Years After Dad's Death, Why Can't I Access His 401(k)?

more#inheritance

HMRC could soon tax people's savings with 'fixed rate accounts' - London Business News | Londonlovesbusiness.com

You are taxed on the interest on your savings when it is accessible by you. So if you pick a fixed-rate savings account that pays out all the interest at maturity, for tax purposes all of that interest will be counted in one tax year.

UK politics

#cash-back-credit-cards

Retirement

Is My 2.5% Cashback Card Worth the Hassle - Should I Switch to a Simpler Option?

Cryptocurrency

2025's Most Searched Cash-Back Credit Cards Has Some Total Gems

Retirement

Is My 2.5% Cashback Card Worth the Hassle - Should I Switch to a Simpler Option?

more#cash-back-credit-cards

Cryptocurrency

2025's Most Searched Cash-Back Credit Cards Has Some Total Gems

NYC real estate

fromSFGATE

Rachael Ray Sparks Concern After Posting Emotional Video About Living as a 'Very, Very Poor' Young Woman in New York

Rachael Ray recalls her struggles living on $40 a week while sharing her gratitude for her family's budgeting skills.

#income-management

Retirement

We're on track for $15 million net worth in a few years, but spend $700K annually - is that excessive?

Everyday cooking

Want to become a super saver? Here are five saving hacks we used to help us build our nest egg

Retirement

We're on track for $15 million net worth in a few years, but spend $700K annually - is that excessive?

Everyday cooking

Want to become a super saver? Here are five saving hacks we used to help us build our nest egg

more#income-management

fromRelay FM

2 months ago

Clockwise #597: I Talk a Big Game, I Don't Spend a Big Money - Relay FM

"In a world where we are increasingly cluttered with devices, the conversation around our phones, smartwatches, and potential new tech like a cellular MacBook illustrates our desire for functionality over excess."

Podcast

#investing

Retirement

I'm in my late 30s with a $14 million net worth and I'm struggling to figure out what comes next

fromEntrepreneur

Startup companies

Get a Lifetime of AI-Powered Stock Picks and Personalized Guidance for $68.99 | Entrepreneur

I'm in my late 30s with a $14 million net worth and I'm struggling to figure out what comes next

A Redditor with $14 million is uncertain about work and investment management after leaving his job.

fromEntrepreneur

Startup companies

Get a Lifetime of AI-Powered Stock Picks and Personalized Guidance for $68.99 | Entrepreneur

Finishing what he started - Harvard Gazette

Ben Abercrombie's remarkable journey from paralysis to graduation inspires others, demonstrating resilience and the value of community support.

#mental-health

Renovation

Mother fighting repossession of her home is being 'held hostage by a wall of debt'

Retirement

I'm ready to stop stressing over money - how do I rewire my 'cheapest-option' brain when I can truly afford more?

Renovation

Mother fighting repossession of her home is being 'held hostage by a wall of debt'

Retirement

I'm ready to stop stressing over money - how do I rewire my 'cheapest-option' brain when I can truly afford more?

more#mental-health

fromHackernoon

2 months ago

Yorba, Rocket Money, YNAB, Quicken, or Monarch Money: Which One's the Best for You? | HackerNoon

Yorba is an effective subscription tracker that not only helps users manage their subscriptions but also aids in decluttering their digital footprint.

Privacy professionals

Wellness

fromwww.theguardian.com

Five people break down their wellness budgets: incredibly expensive and time-consuming'

The definition and expenses of wellness vary significantly among individuals.

#savings

NYC startup

A personal finance expert saw her friends leaving 'tens of thousands' on the table with money mistakes - but it wasn't their $5-a-day coffees

fromNew York Post

Retirement

Here are the most common financial regrets Americans have: 'I should have invested in a lakefront cottage instead'

NYC startup

A personal finance expert saw her friends leaving 'tens of thousands' on the table with money mistakes - but it wasn't their $5-a-day coffees

fromNew York Post

Retirement

Here are the most common financial regrets Americans have: 'I should have invested in a lakefront cottage instead'

Why Is My Car Insurance Quoting $360 to $480 When I'm Paying $200 with Allstate?

Car insurance costs are consistently rising, causing frustration among drivers.

Even safe drivers are facing dramatic increases in insurance premiums.

Mental health

fromFast Company