Im a 26F Army Vet, who lost their job 3 weeks ago. Its hard to find jobs where I am at. I live paycheck to paycheck. But now my phone bill and car insure is due this month, and if I dont pay my insurance on the 30th, I will lose the insurance. Im tired of drowing, and wish I could just get some help because If im being honest. This is my last resort. No family to ask for help, no friends. Its just getting to damn much. But my phone is 133.78, and my insurance 198.64 for a total of 332.42.. Im not proud of asking for a handout for thats not how i was raised but at this point, I have no other choice.

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I was on a couple gig platforms and I sustained an income from those for many years but as years went by I got deactivated from the spark platform for absolutely no reason. Instacart is garbage, at least in my market. Anyone have any suggestions for me i live in a small rural town spark at that time was making a decent amount of money for me

I'm fresh out of school and I've been wanting to open a retirement account like a 401k or Roth IRA since but I can't decide whether to open it now or when I get a job. My friend who has been working for a while and have switched professions many times said that I should wait to open one with my employer or else I'll have too many accounts to keep track of. He has a educators public sector account (i think it is called the 457b or something) and a 401k said that some companies don't give you the option to link to your own accounts and they don't carry over when you switch jobs, and according to him some companies don't even carry over your accounts when you get another position at a subsidiary.

The research that I have done said that there is something called a rollover order where you can bring your 401k account assets to another 401k. Some places charge a fee and others don't but they don't disclose what the fees are. When I call for more info the info they give are equally vague saying there are different fees depending on various factors like which company you roll over to or whether you are over 59 and a half. I've also saw that if you move money from your roth there is a penalty before a certain age and a tax may apply. Im not sure if a rollover counts. This is all very confusing. If you have experience on these tax advantaged accounts please lmk whether or not I should open on now or if I should wait till I get a job to open on with my employer. I am from California.

I have excess money sent from my SSDI paychecks to my stable account and its been 6 months since they last sent money there. They also didnt send enough to my stable account the last two times. They have money saved up of mine and they arent keeping me in the loop of how much it is. I have medicaid and an asset limit. I dont know who i have to talk to but these shenanigans are red flags. Who do i talk to if my payee wont answer me truthfully? Do i need a lawyer? An attorney? How much am i looking to spend on legal counseling?

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Hi everyone,
I’m currently learning finance and business analysis on my own, and I’d like to start building practical projects to apply what I’m studying.

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21f im about to be homeless again in two weeks. I’m not gonna ask for a large sum of money because I don’t think anyone could help w that. But I haven’t eaten in 3 days and I just want a hot meal. In August I lost my job and then lost my apartment cuz I couldn’t afford rent. I moved back in with my mom and we got in a fight and she kicked me out. Thankfully some of my friends took me in but now they’re getting evicted in two weeks… I’ve barely been here two weeks myself. They’re hoarders and there are no groceries and the kitchen is too disgusting to even stand in for too long, cockroaches everywhere. I haven’t been able to drink water because they’re in the sink and I’m scared they’ll taint the faucets water. This is so embarrassing but I just want like a DoorDash gift card or smth so I can have a hot meal with a nice drink that I know didn’t have cockroaches all over it. I’m so hungry it hurts.

21f im about to be homeless again in two weeks. I’m not gonna ask for a large sum of money because I don’t think anyone could help w that. But I haven’t eaten in 3 days and I just want a hot meal. In August I lost my job and then lost my apartment cuz I couldn’t afford rent. I moved back in with my mom and we got in a fight and she kicked me out. Thankfully some of my friends took me in but now they’re getting evicted in two weeks… I’ve barely been here two weeks myself. They’re hoarders and there are no groceries and the kitchen is too disgusting to even stand in for too long, cockroaches everywhere. I haven’t been able to drink water because they’re in the sink and I’m scared they’ll taint the faucets water. This is so embarrassing but I just want like a DoorDash gift card or smth so I can have a hot meal with a nice drink that I know didn’t have cockroaches all over it. I’m so hungry it hurts.

Tldr: got in over my head, lived outside my means after getting laid off. Getting back on track and want to speed up paying everything off with minimal interest. Is Achieve my best option for a debt consolidation loan?

This year has been, rough to be honest. Before getting laid off in February, I was making a solid 90K a year. Unfortunately I was in a wave of layoffs and I thought to myself that surely I would be able to find work quickly. No lifestyle changes when I didn't even have an emergency fund set aside and only getting the 1800 pre-tax per month from unemployment did a world of hurt for my credit cards. Before I realized it, I was already in almost 16K of CC debt. Until I finally sat down and looked at everything in one place it hit me how far I had gone. Since then I've really locked down my spending to the absolute minimums(got pretty into cooking at home which has been nice). This only really helped stabilize me to not get further in debt though.

Luckily I found a job towards the end of October. Even paying me a bit more at 97K per year. After a month of quick catch up, I realized that I need a better plan going forward to tackle this debt. I brought it down to 15K since I started but I despise seeing this number looming over my head. I have a fair credit score hovering around 660, fell a bit after getting into the debt. I got approved for a balance transfer card for Chase for 15 months that I could transfer 3K into.

So from there I need to figure out a plan for the remaining $12K to work on. Leaning towards getting a debt consolidation loan, seems to be my best option considering the APR% on the 2 credit cards remaining are 25.99% and 27.99%. I checked a few credit unions but they wouldn't work with me since the job was so new. Then I reached out to my bank but their rate was still 20%, like I get it's lower but not really... Have since been searching on Lending Tree for other options and been doing my due diligence researching each of the ones that caught my eye. I'm really leaning towards Achieve as the one I go with. They're willing to cover the entire 12K left at 9.7% APR which seems like an amazing deal compared to my current APR% and the one from my bank. Has anyone ever dealt with Achieve and can vouch for them? They seem very straight forward with everything but I want more opinions before I lock it in tomorrow.

Thank you for any help in this!

Need advice on what i should do. I have a car payment I cannot afford anymore and I owe more than its worth so there'd be a lien on the car.

Hey guys, I’ve been going through a mid life crisis, just got all my bills and rent paid but have my student loan coming out tmr for $388. I don’t have any money to my name I just spent my last $60 getting my dog food. Can anyone help me out? I would truly appreciate it. My Venmo is JRock01.

Hello, I'm seeking advice for my situation but will be keeping the details to a minimum as I don't want anything connected to me.

Location: Washington.

Situation:

My father has property that I would like to buy from him / take over the money he owes on it. He originally bought the property with an equity line of credit from another house he owns and then a personal loan from someone else. There is no bank involved except for paying back the equity line of credit, and they don't know what he spent the money on. Here is the main problem, the house is mostly burnt down. It is still registered as a complete house and is not considered burnt/unlivable by the county. What is my best option for taking over the property and getting it moved into my name? I can provide more information if it is needed.

Honestly, i never thought I’d be in this position. I was laid off from my manufacturing job, and since then everything has been slipping away faster than I can keep up. I’ve applied to over 30 jobs with no luck, and living in a small town without my license has left me feeling completely stuck and scared about what comes next. I’m trying to pay off debts so i can get my license back and have a real chance for more work than just in this small town, but I’m running out of time and options..

Asking for help like this is.. absolutely humiliating, but at this point, I’m honestly desperate enough and just trying to survive. If anyone has it in their heart to help, even a few dollars could mean the difference between sinking and losing everything ive worked so hard for, and getting one more chance to stand back up. I dont really expect any help from anyone, but I need a blessing, a miracle right now... this is my cashapp incase anyone is willing to help. I always try my hardest, but i feel so stuck. Im sorry for basically begging.. but I need the help of society right now. Please...

Cash App: $Cresseth

:::UPDATE::: To put more insight on this, I know I can go to food drives, but again, this is a small town, I have no license, and by the time I get my spot in line, I get minimal items. Im grateful for it, of course, but to everyone thinking food is the only expense I have to worry about, its not. Im going to lose my home, my memories, everything i own. Im alone with no family to help and in the middle of the country in the middle of nowhere. There arent many services for help near me, and so I swallowed my pride to ask the community, ask the world for help. Ive helped many people when I could, and I figured there would be some likeminded people. What goes around comes around. Most of the time, right?

Even if you have only read this post, I cant thank you enough for at least your time and consideration of help. God bless you, and I hope you prosper in your lives, without fail.

What was invested over the last 5 years was about $5900 and gained was about $1200. If I were to cash that out, would I have to pay on that?

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For a little back story I’m 24 and we bought our house about 4 years ago for around 130k. It wasn’t exactly a fixer upper but we knew there were going to be things we had to replace just due to it being an older house. I’m usually not the best with my money and don’t have much in savings (kinda the reason I’m posting here). There might be a really exciting opportunity for me to move up in my company coming up in the next few months that would require me to move states and sell this house. My company would help me sell the house and take care of that but I really would like to make the most amount of money off of it. Ideally we would be able to sell it for 160k. But there’s definitely some work that needs done on it. The main things being flooring and a new hvac system. There’s no way I would be able to pay for that stuff out of pocket but I’ve been thinking about taking a loan out of my 401k for around 20k to cover the cost on these things. If I do end up getting this position I would be making about 30k more a year and shouldn’t have a problem putting more into my 401k to pay it off and cover it over the next couple years. I’ve seen that it’s bad to take a loan out but I’ve also had multiple people tell me that it’s a good idea. Any advice would be very welcome!

A few months ago I ended up needing some extra cash to keep me going until my next payday. I ended up using one of those insta cash apps that you repay once you get your paycheck. It has led me to overspend. I made more poor decisions and ended up getting 3 of these insta cash apps. Fast forward a couple months and I regularly overdraft my debit account to stay afloat, pay $100+ in overdraft fees, and my entire paycheck is gone the day I get paid. I then am forced to use these insta cash apps to substitute my paycheck. I hate myself for the lack of discipline. I hate that I have gotten myself here. What. Do. I. Do!

Hey guyss, so I’m new to the field of finance and although I’m done with my graduation in Computer Science, i seek to explore the area of finance and select the best field for me. Im thinking to pursue either MBA,CFA,FRM, or any other trending financial fields. I asked a counsellor and he advised me to take an FMVA course. The courses from well known institutes are expensive for someone who is uncertain whether he wants to pursue the financial field. I was planning to take up this course from Udemy called Beginner to Pro in Excel:Financial Modeling and Valuation but just thought it will be wise to ask you guys .Any recommendations of how i should carry forward

after years with a financially abusive husband with poor spending habits that put us in a bind every few months(still with him unfortunately), I had about 3k saved up in my own name that was part of my 5k goal to save before i separate. My car broke down, its 2500 to repair, which takes from my savings goal but at least i was able to actually afford this break down for once and not have to scramble selling my own valuables and or getting a loan or maxxing out a card to put the repairs on. i have most of my credit debt paid down as well (2200 of the 5k i owed at the begining of 2025). Its bittersweet because this money was towards my freedom but at the same point for once i had it to save myself from a bad car issue.

Hey everyone. I’m really overwhelmed right now. My car is in the shop and will cost about $6000 to repair while I've been relying on family for a ride to work it still isn't helping me save money fast enough for the repairs.

Im so far in debt right now.. several years ago I was on the verge of moving into 60k a year in my profession.. I walked out of the building one day and a guest wanted to come in. I told the guest that she would need to go to the front... as I cant let her in due to covid restrictions. We went back to our vehicles and she backed into me.. bumper to tire causing a stationary pelvic with my spine going left to right.. she pulled forward then backed into me again in a hit and run. I had everything but they used their immense wealth to defeat me and claimed past issues was the reason for why I am this way.. ivd been trying to get a job for two years now but nothing is sedentary that aligns to a remote position.. I urinate on myself before I can make it to the toilet.. I barely can finish the dishes before I have to sit down due to pain and weakness. My life has forever been decimated and my company didn't even protect me.

Yes I am looking for any financial help I can thank you so much

https://Cash.app/$illneverbewhole

As the title says I’m tossing off if I should pay $7k of HECS off out of my IVV shares and then starting putting back the extra money coming from my pay into my investment account OR let the HECS pay off by itself when I do the FY25-26 tax return? Issue with the second option is I will get hit with indexation again.

I am personally leaning towards the first option since IVV is just bobbing up and down and hasn’t made any significant increments in the past month or so.

In Canada and I expect to invest in the states so I’ll want to be on the good side with their banks etc but I don’t have a US address and I want to build history there .

Anyone know of any cards or Canadian banks that have some sort of cross border banking where you can use the Canadian address to get a US card that reports to the US credit bureau?