Updated July 13, 2026 · Refreshed weekly
Find finance app leads on Reddit
Real people asking for budgeting, investing and money apps on Reddit right now, updated weekly.
Money subreddits are a firehose of product demand: r/personalfinance and r/Fire users asking for retirement planning tools that model real tax rules, r/investing users tired of juggling five portfolio trackers, people in debt asking for something simpler than a spreadsheet. When Mint died, Reddit is where millions went to find replacements.
Leadverse monitors these communities and filters every post for buyer intent toward finance apps. The feed below shows people explicitly asking for an app or tool like yours. It refreshes weekly, tracking what finance-app buyers want right now.
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Exploring Solutions
376Tool Request
273Troubleshooting
119Pain / Frustration
26Comparison
17Alternative Search
3Hiring / Outsourcing
1Live now
Live personal finance & investing apps leads from Reddit
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This page is a public preview of Reddit posts where people are asking for personal finance and investing apps. Leadverse finds these conversations so you can spot potential customers before they go cold.
Exploring Solutions
Goal in ten years
Question: is there anything I should consider? What should I do in addition to prepare if anything? Situation: I recently started a job in software sales. Pay is just over 200k and can go higher (somewhat lower too). Prior to this I was more in the application development side at a different company. I said screw it I want to use my interpersonal skills to get a much higher paying job. So far I am doing well! I am maxing out all the stuff I can max out. 401k and roth. The mega backdoor roth I am somewhat adding to. The rest is filling cash reserves and then into my brokerage account. When I do the math I could retire in 10 years in my early 50s. Stuff like my espp and potential RSUs may also lock this in as an inevitability. I was really poor 20 through most of my 30s. It feels good knowing that the countdown has possibly begun. I am somewhat of a boglehead so I keep my investments simple. I genuinely feel lucky, fortunate, but also that my long term planning paid off. Other questions: what is the day after your last day when you fire feel like? Did you feel your amount to walk away was enough? While you were doing FIRE did your account keep growing larger than you expected?14
OpenExploring Solutions
My retirement
I'm a married 61 yo with 3 kids (22,19,15). 56 yo Wife doesn't work outside the house. I'm semiretired and minimally working currently, just to cover health insurance and majority of living expenses. I plan to fully retire 4/2027 at age 62 and start Social security. My SS payments will be $2700/mo plus the 14 yo will get $2000/mo until he is 18. I have a pension which I will start at age 65: $5500/mo. I have college covered via 529s, but healthcare via the exchange is crazy money: $32,000/year. I have $3.5 mil in a brokerage acct, generating $95k in interest and dividends. $2.3 mil in 401k/ira. My wife has $1mil in 401k/ira. I have $70k in a HSA. Our cars and house are paid off. Home value $1.4 mil. So no debt. We live pretty frugally but live in a high cost area. Extracting the college costs, my wife and I currently live on about $130k/yr. We probably would like to do some big trips in early retirement though. So let's say our burnrate will be $200k in the first 5 years. I don't think I can get my income down to ever qualify for healthcare subsidies between age 62-65. I don't want to get a financial planner. I just want some opinions here. LOL. I'm not too interested in the hassle of roth conversions. How would handle the 401k/iras? Would you slowly start to withdraw them now and just add the leftovers to the brokerage acct? Or just let them accrue taxfree until RMDs and take the tax hit then?016
OpenTool Request
Help me convince myself I will be fine
Hello everyone, I don't post much if ever but I've been doing so much research and want some advice and some help. So for some context, we didn't grow up with much and coming from an Asian background as the oldest child, I've always been in charge of doing all of our accounting and forms and making sure we were good as a family. This also comes into play for the future where in my head I'm always trying to make sure I have enough just in case my brother or my dad does something dumb and needs help although I don't tell them that so they won't just automatically lean on me. Here's my issue: because of all that, I'm perpetually feeling like I'm stuck and worried about the future, to the point now that I just go to work and go home and barely spend any money because I think I need to save everything. To that end, now I have a crap load of cash that I really should invest, should I invest everything all at once or wait given all of the stuff happening in the world right now. I am 30, I have 260k invested in my 401k, 65k invested in random stocks (made decent returns with nvda and AMD), and then about 165k in high yield account earning 3 percent. I actually do enjoy my work so I don't plan on leaving but I would like to feel less like I'm grinding my life away and actually live and enjoy a little. Between helping my father with mortgage and my living costs, I am burning about 5k a month. After maxing out my 401k I make a little over 8.2k a month, more if I do overtime. I've looked at buying real estate but I think it may just be way too expensive at this point. I did some calculations and I'm getting numbers between 4m and 9m after 65 and I really don't know which is accurate or acceptable. I'd like to retire at 50/55 or at least be able to be part time and travel the world in retirement. If you were in my shoes, what would you recommend I do?112
OpenTool Request
Question(s) regarding net worth estate taxes.
I have a scenario that has no rrsp meltdown and has quite a lot of registered assets left at the age of 90, the year I made my plan go to. The estate taxes shown owing are about 90K and seem a bit low, but the amount of registered assets left at age 90 is a little over 300K. Just wonder what I might be missing here? I would assume estate taxes would be over 50% at that time (around 150K). Just trying to compare this plan with my other plans that have the rrsp meltdown sequences enabled and are at 0 estate taxes. I know it's probably something simple but I'm not seeing it. I guess another question in regard might be, would it be wise to kinda follow 2 scenarios a bit? Kind of like a hybrid model. When the market is up, follow the rrsp meltdown scenario, spend a bit more, enjoy life, and when the market is down, convert over to maybe the plan where less registered assets are used and sold at a lower value? How might that be utilized? I would guess maybe having the 2 strategies available to go and choose from, but update each strategy each year to see where you are at? Thxs! Plan with no rrsp meltdown. (higher estate value even after higher estate taxes owed, less lifestyle money spent.) Plan utilizing rrsp meltdown (lower estate value, but more lifestyle funds available each year)33
OpenExploring Solutions
Can we afford to upgrade while keeping our triplex and funding our retirement?
My spouse and I are planning to buy a new primary home in about 2 years and ideally keep our current triplex as a rental. We'd appreciate a reality check on what price range seems reasonable and on our retirement plan in general. About us: Ages 47 39 with two young kids 2026 Gross Income Expected: $130k Net Monthly W2 income: $7200 Monthly expenses: $6500 (counting home expenses below) No other debt and we’d prefer to keep our DTI around 30% Current Primary Home (triplex): Mortgage balance: $270k @ 3.6% Self managed Monthly expenses: $2500 (PITI plus utilities) Current gross monthly rent (2 units): $3300 Expected gross monthly rent (3 units:$6000 Many major improvements already completed (estimated value $750k) Savings: HYSA: $100k (emergency fund plus general savings) Retirement: $100k\ Current monthly savings rate: $4k (even split between retirement and HYSA) Goal is 20% down \Our retirement balance is lower than we'd like because we started late and we've intentionally prioritized improving the triplex. The plan is for the property to provide a significant portion of our retirement income, especially once it's fully rented and paid off, but we are still trying to play some catch up on our retirement savings. Questions: Based on these numbers, how much monthly PITI would you be willing to commit to? Is getting to a 20% down payment feasible? Does keeping the 3.6% mortgage and using the triplex as a long-term retirement asset seem like a sound strategy? Thanks in advance. We're trying to stay conservative while improving our financial position and hopefully QoL.31
OpenTool Request
The "Retirement Roadmap" Financial Simulator
Act as a Certified Financial Planner (CFP). I am planning for retirement. Current Age: \[INSERT AGE\].Target Retirement Age: \[INSERT TARGET AGE\].Current Savings: \[INSERT CURRENT SAVINGS AMOUNT\].Monthly Contribution: \[INSERT MONTHLY CONTRIBUTION\].Assumed Annual Growth Rate: \[INSERT RATE, e.g., 6% adjusted for inflation\]. Provide a 4-point plan: Estimate the total value of my portfolio at retirement age. Provide a \[Pessimistic / Optimistic\] scenario based on a 2% fluctuation in the growth rate. Suggest 3 actionable steps to optimize my savings (e.g., diversify portfolio, focus on tax-advantaged accounts). Identify the biggest financial blind spot I likely have, given my input.11
OpenTroubleshooting
Tips for being disciplined with money?
Problem/Goal: I can't stop using my credit card. Context: Hindi naman ako super in debt pero parang nakakasakal pa rin na nagbabayad ako ng almost half my paycheck every cut off. Hindi pa nga buo yung pag bayad (though hindi din minimum binabayad ko, usually 1/3 or 1/2 ng due amount). What sucks even more is hindi ako materialistic. Puro pagkain and transpo sya napupunta. The way rest of my bills come straight from my payroll naman, itong CC ko lang talaga problem ko. I have a budget when it comes to everything else except for food/transpo kasi hindi sya fixed. I tried budgeting yung CC Costs ko pero hindi ko din sya nasunod. I want to try na iiwan yung card mismo sa bahay pero palaging thought in the back of my mind na baka need sya sa emergency. I am so incredibly disappointed in myself and yet I can't stop. Has anyone gone through or is going through the same? Meron ba kayong tips on how to get out this situation?511
OpenTool Request
Importance of paid off house
Wanted thoughts on how important a paid off house is to the retire early plan. My thinking is that once you retire, cash flow and income tax limits become much more important. The less committed expenses you have the more room under the 0% capital gains tax limit is available and the lower income would help to qualify for other income based benefits, like ACA subsidies. In my case, my mortgage(less insurance and tax) is $2,400 a month or almost $29k per year and due to be paid off when I am 66. I want to retire at 55. Using the 4% rule, I would need around $900k in my retirement dedicated for my mortgage payment and withdrawals would eat into the tax free income from capital gains - currently $96k for married filing jointly. With a low rate of 2.5% (thanks COVID rates) typically the argument would favor not paying the house off early, but tax considerations are magnified in retirement so wanted to see how others weigh the pros and cons of shooting to have a house paid off by your retirement date vs putting that money aside and paying the mortgage during retirement. I do plan on meeting with a tax planner at 50 to walk through everything in detail so Reddit will have to do until then. :)172198
OpenExploring Solutions
Need advice! Snowballing etc
I have loans in the following but I’m drowning na coz of tapal system and I want to stop it. What’s the best strategy for these loans? Was initially planning to prio the banks then OLAs na nang tthreaten (which ones?). I admit this is from very bad spending habits, a very hard lesson to learn. (So if anyone is reading this thinking if mag OLA- the answer is NO) Pls no discouraging comments I need genuine help. I’ve been beating myself up na, I know I’m in the wrong but I want to fix it. Fido VPlus Cashalo Pesoloan Tonik - 2 installments remaining HomeCredit Cashify Atome - 2 installments remaining GLoan - 2 installments remaining JuanJand TekCash OLP Done finally with CIMB Happy Cash PS - been reading posts here na may mga need ng money. Ang prayer ko kapag naka ahon na ko from this and my enough na ko I wanna help those drowning like me. 🙏21
OpenTool Request
Need Advice on Investing
I have around \1 million USD in liquid cash. I have a couple of investments apart from the stock market, and have generally had little experience when it comes to what stocks to invest in. I currently have some nvidia, Microsoft, Apple, Broadcom, Micron and a couple others (essentially I have made my own ETF). I would like to invest around 100k more into the stock market, as I have heard the stock market is around 8% return, which is way more than the return I get from my cash sitting in a money market account. What are some positions that would be wise to take? Any help would be appreciated. Thanks!019
OpenTool Request
How do you actually keep up with news on your positions, especially the small/micro caps where things move fast?
Genuinely curious how people handle this. I hold a handful of names and by the time I've read through the news on all of them most mornings, I've burned 20+ minutes and half of it was noise I already knew. It gets worse with anything small-cap since the real catalysts (an 8-K, a random press release, a Reddit mention spike) can show up anywhere and I don't have a Bloomberg terminal watching for me. Right now my process is just opening a pile of tabs and skimming. Anyone got a better system — specific tools, a routine, an RSS setup, anything? Trying to fix this before I miss something important on a name I'm already holding11
OpenExploring Solutions
When to start the conversation
My partner (36M) and I (38F) bought a fixer-upper two-hours from home a week before we knew we were pregnant. It’s been the worst financial decision we’ve ever made and it’s my fault for wanting the damn place. Between toddler expenses (diapers), bills (utilities), routine home expenses (groceries etc), and fuel costs, we are negative each month. Not to mention the renovations that the place needs. The commute and fuel expenses are non-negotiable, we’ve beat that horse to death (this is the most he’s ever earned and nothing locally comes close to what he’s earning). I currently don’t have any income because childcare is freaking expensive. I’m interviewing for a position that would net $500/mo after childcare and fuel are accounted for, but it’s still a 40-minute drive from home. We’ve maxed out several credit cards over the last two years since we moved in; four of which were recently entered into a debt restructuring program, (five year payoff) which helps but is not enough. Three cards are still our responsibility to pay monthly. Our total debts include a mortgage (170k), two student loans (70k), and two automobiles (25k) and restructured debt (60k). Monthly income is only $5200. We’ve addressed the bulk of our spending problem and carved back as far as possible but we are drowning and I fear the situation is bleak. We are expecting Baby 2, a surprise pregnancy, but it’s become obvious my partner and I have different long term financial goals. I’m OK with losing the house and getting a place to rent close to home again; he is stubborn and has an ego. (I feel this affects him personally as the breadwinner, like he’s not doing enough to care for us but he literally busts his ass 12-hours a day to provide so I don’t see it as a failure on his part at all.) He is not open to relocating. Do we have to wait for our checking account to go negative before talking to a bankruptcy lawyer? Would talking to a financial advisor be a better first place to start? I’m afraid that our different perspectives will lead to a marriage separation, but we got into this mess together and I want to get out of this mess together. Not asking for legal advice, just some outside perspective, so I’m better prepared when we do finally start talking to professionals. ETA: He gets defensive anytime I try to talk about money, so how do I even approach the topic with him?412
OpenExploring Solutions
Can I retire now ?
My wife (56) and I (58) live in the San Francisco Bay Area. Our home is fully paid off ($2M), our kids are independent, and we’re seriously thinking about retiring and traveling the world. Here’s our current financial picture: \\- Me: Tech job, \\\$300k/year \\- Wife: \\\$150k/year \\- Combined retirement accounts (401(k) + IRA): \\\$2M \\- Roth IRA: None (we never qualified because of our income) \\- Taxable brokerage: \\\$2.5M \\\70% in broad index funds (SPY, VT) \\\25% in Treasury/cash equivalents (VBIL) \\\5% in individual stocks…where I’ve consistently demonstrated I’m not Warren Buffett 😀 One rental property in Texas worth about $300k with roughly $100k equity. It cash flows about $5k/year. Primary residence is fully paid off (no mortgage, just property taxes). We’re both healthy, but little health issues have started to pop up now. Our expected spending is around \\$100k/year\\ to live comfortably in our paid-off home, before travel. We haven’t estimated a travel budget yet. One thing we’re unsure about is healthcare. Since we’d be retiring before Medicare, we don’t know what to budget for private health insurance. We’ve both maxed out Social Security contributions for roughly the past 25 years, so we expect to receive meaningful Social Security benefits, but we haven’t decided when we’d claim them. We’re not what I’d call brilliant investors—we’ve mostly been disciplined savers and stuck with index funds. Even so, it’s hard to shake the feeling that we may not have “enough.” So my questions are: \\- Would you feel comfortable retiring today in our situation? \\- What would you do differently? \\- Are there any blind spots we should be thinking about (healthcare before Medicare, Roth conversions, tax planning, withdrawal strategy, sequence-of-returns risk, etc.)? I’d especially love to hear from people who have already retired or are close to it. Thanks in advance for any advice.960
OpenTroubleshooting
tips on which to work on paying off first?
i have so much credit card debt and it’s ruining my credit.. i currently have: \- best buy credit card - current balance is $2853.81. i have 2 promotions with no interest until september for one of them and dec 2027 for the other. \- chase prime visa - current balance is $4564.02 \- discover - current balance is $1000 (maxxed out) \- capital one savor one - current balance is $300 (maxxed out) \- capital one quicksilver - current balance is $1000 (maxxed out) any tips on working on how to fix this would be appreciated. my thinking is work on the best buy one first so i can take advantage of the no interest but on the other ones in the mean time should i just make the minimum and put more towards the best buy card? i feel like i can’t get caught up and i feel like im drowning. or should i just consolidate?1031
OpenTool Request
Credit card debt is out of control
I have about 20k in credit card debt, no matter how hard I work to keep it down, with interest it’s a losing battle (along with paying for rent, car insurance, car payments, normal life expenses). Does anyone have any recommendations on how to get this down as quickly and efficiently as possible?043
OpenExploring Solutions
Optimizing taxes
We are 35 years old with 2 children under 5. We have HHI which is now 305K/year with expenses of about 120K per year currently. Savings: 1.1 m Pre-tax retirement employer: 347K Trad IRA: 320K Roth IRA: 284K HSA: 25,139 Brokerage: 120K Cash: 50K Spouse also has a pension worth 50K at anticipated retirement date. Kids savings: 529: 30K 530a: 1K House: 675K market value with 360K loan @ 3.375% Through self employment solo 401K and government retirement accounts we will have about 120K possible savings potential in pre-tax accounts which can alternatively be Roth contributions. We would like to save a larger brokerage over the next 4 years in anticipation of the option to purchase a larger home for the family. Likely targeting 1m purchase price in today’s $. We would also like to have the option to go 1/2 time at work in 10 years as the kids approach college (oldest would be 14). In that scenario (1/2 time), we would anticipate about 176K HHI. With our access to retirement accounts, we could theoretically reduce AGI while still working at reduced capacity to a fairly low level around 50-60K per year during that time. We plan to fully retire at 53-55. From a purely optimization standpoint, how should we structure this? Our current plan: 16K to retirement including match 80K to brokerage X 4 years 20% down in 4 years on new home Followed by: \-rolling 70K trad to Roth yearly starting at 40 \-Roth contributions to retirement accounts over the interval 6 years? \-Paying off loan for home with the brokerage and using a HELOC for any extra needed income? For the kids we also plan to fund 530a accounts and roll them over at 18 and contribute about 3K per year to 529 plans. We project that we end up with 5.3m with half and half Roth/traditional funds. If we have AGI under 90K during college then the first 2 years of college tuition are guaranteed to be covered at the state level. Anticipate that the costs will mostly be covered by the 529 plans and whatever there is extra will at at least not have a big impact on our planning. Thank you for anyone that read this far. My question is: When should we pay taxes? Is this optimal? Should we continue to put money into retirement accounts for tax benefits instead of the 4 year brokerage plan? Is it silly amounts of over-planning?17
OpenExploring Solutions
Today’s topic - SORR
Planning on retiring at age 42 (wife 46) with an estimated net worth of 1.1m 750k brokerage 250k retirement accounts 100k cash HYSA On top of this I am structuring my business sale to my employee so that I’ll be getting 20k a year for 6 years. (Yes there is risk of defaulting but I will have contingencies written into the sale documents such as retaking the business) I’m a dividend investor first and foremost, im allocating my brokerage account to yield me 5.5% (just about 42k). My retirement is in growth, not to be touched till I hit 60. My yearly spend is going to be 48k so effectively with my business note I’m way above what I need to be and the excess will be reinvested. 48k is my ideal spend, my absolute floor is 24k. Mundane, boring, coupon clipping life but enough to have a roof over my head and food in my belly. Plan is to “Die with zero” so will be buying an annuity when I hit around 65 years for me and my wife. That combined with social security will let me live comfortably. So basically I need my brokerage and business note to bridge my gap from 42 to 62 (SS) and then 65 (annuity) Obviously everyone’s worry is running out of money, I feel like I got a solid plan. Would love feedback on my strategy. I feel like I mitigate SORR risk not to zero but largely with my business note helping me out for the first 6 years along with my cash Not a bot. Bot bot bot1018
OpenTool Request
Budgeting app help to get back on track
Long story short - we moved house end of last year, bigger mortage, all bills more expensive. A few months after that my business fell apart- now turning over less than half of what I had been, which means a drop in profits of about 60%. The industry has been suddenly wrecked by AI in a way that no one predicted. I’ve taken up a part time job on crap pay help adjust, whilst I figure out the next step and fufil my contracts for this year, but my take home is down £1000 a month and whilst we’ve cut back everything we can do, the house we’ve bought has turned out to have several urgent issues that were hidden, expensive car bills, and we’ve now got £4K on credit cards and no idea how to claw that back. We like to live debt free other than mortage and one small car loan. I’m working 3 jobs right now and I’m beyond exhausted (I’ve had to pay £10k in non normal business bills in the last few months so believe me when I say I’ve tried hard). I’m hoping anyone can give us advice to recover, any apps that are free that will help drill down any further, whilst I try to work out how to rebuild a new career for myself that works around some complex health conditions I’ve got. For relevance mortgage is £1100 per month, downsizing wouldn’t help at this point as there’s nothing cheaper on the market here and stamp duty/moving costs are so high.20
OpenExploring Solutions
Investment restructure advice at brink of retirement
Assuming almost immediate retirement (currently employed) how would you restructure these holdings for withdrawal, given all the information provided? Disclaimers / things I am aware of - 1: Yes, I am holding too much cash (mostly due to inheritance)! I am kind of dollar cost averaging back into the market. 2: I plan to perform Roth IRA conversions during the years I will be on the ACA 3: ACA costs will be more expensive in 2026 Age 59 Net income requirement during retirement estimated $4,500+ including health insurance. Would splurge on a bit of travel at first, maybe $20,000 over a few years. Own my home, 15 years of 20 year mortgage left. Interest 2.75%, about $165k remaining. $1,650 Monthly nut on mortgage. I would be eligible for $2,600 monthly in Social Security at age 62 if I started then. Salary about 132K. EDIT by request TL ; DR on the Vanguard investments: Rollover IRA $961 k Investment $100 k Inherited IRA $26k Roth $25k Vanguard Type of acct Name Symbol Total Value USD Investment CASH PLUS CASH PLUS 15,265 Investment FTSE SOCIAL INDEX ADMIRAL CL VFTAX 30,323 Investment BAIRD CORE PLUS BOND INVESTOR CL BCOSX 4,069 Investment HIGH YIELD CORP ADMIRAL CL VWEAX 50,355 Rollover IRA TOTAL INTL BOND INDEX ADMIRAL CL VTABX 41,469 Rollover IRA TOTAL STOCK MARKET INDEX ADMIRAL CL VTSAX 10,262 Rollover IRA TOTAL INTL STOCK INDEX ADMIRAL CL VTIAX 89,683 Rollover IRA 500 INDEX ADMIRAL CL VFIAX 472,673 Rollover IRA FEDERAL MONEY MARKET INVESTOR CL VMFXX 51,052 Rollover IRA TOTAL BOND MARKET INDEX ADMIRAL CL VBTLX 97,451 Rollover IRA GROWTH INDEX ADMIRAL CL VIGAX 198,442 Inherited IRA DIVIDEND GROWTH INVESTOR CL VDIGX 25,930 Roth IRA FEDERAL MONEY MARKET INVESTOR CL VMFXX 70.59 Roth IRA 500 INDEX ADMIRAL CL VFIAX 24,869 Fidelity Type of acct Name Symbol Total Value USD Active 401k Fidelity 500 Fid 500 115,400 Other holdings HYSA $272,000 Bonds $12,000 Checking / savings $8,000 at the moment Other facts Own car (2011 Camry 223,000 miles) plan on holding Children are independent adults Divorced, actively dating (open to co-habitation one day) It is possible I may have to restart some alimony $500/month for a few years, but I have not had to pay for a few years. Also may need some expensive foundation work on the house. Open to starting Social Sec. later and probably would wait. I want to quit work (demanding job and want to do other things), but mentioning I would have a small pension if I work two more years. Parents lived until 88 and 93. Very healthy lifestyle Interested in some travel but mostly have a lot of interests and hobbies locally (running, cycling, group dances, art group, volunteer at animal shelter, volunteer at Habitat for humanity, home maintenance, seeing friends, playing music, etc.) Thank you, I will consider all advice.115
OpenExploring Solutions
Should I spend my Roth first even though everyone says never touch it early?
I’m 66 and have a solid pension income ( 100k) that already puts us in the 22% federal tax bracket. I have a $70k spending gap for the next 3 years until I claim Social Security at 70. I have money in both a Traditional IRA and a Roth IRA. Traditional thinking would have me pull it from the Ira first. If I pull from my Traditional IRA to cover my annual gap, I have to withdraw significantly more to cover taxes, which pushes me deep into the 24% bracket and creates a big tax hit each year. If I use my Roth instead, I pay zero tax on those withdrawals and stay in the 22% bracket. The tax savings by using the Roth is substantial — roughly $20k per year. Once I turn 70 and start drawing Social Security, my withdrawal need drops to less than 2% of my portfolio for the remainder of my plan. So this is truly only a three-year problem. I’m considering using most or all of my Roth over the next 3 years, but I keep seeing the conventional wisdom that says “never touch the Roth — save it for last.” I know this will Cause higher RMD‘s after I turn 75 but I’ve calculated the breakeven point for the taxes I save now versus the taxes I’ll pay in the future is roughly 11 years (age 86). Does anyone in a similar situation (strong pension income + short bridge period before Social Security) think using the Roth first makes sense here? Or am I missing something important?2883
OpenTroubleshooting
80-100k debt from different OLA 3-4yrs ago.
Gloan - 2,500, 8k na ngayon Home credit - 16k (kasama tubo), 30k+ na ngayon Bill ease - 6k, 20k+ na ngayon Tala - 6800, 28k+ na ngayon Help naman pano ko mababawasan to? Saan ako magsisimula? Paano ko aayusin to? Gusto ko na kasi ng peace of mind. Earning 27k/month linis na yan, pero nagpapaaral ako ng college kaya wala akong kahit anong savings at yung extra ko siguro mga 2k-3k lang monthly kung walang aberya. Single, no kid pero si college ay nakapisan sakin.11
OpenTool Request
Is there any app to track all my credit card spends and insights ?
I have 5 credit cards. I lost track of how I spend across the cards, hidden fees, expense leaks, wrong credit card usages ? is there any app to track all of this with more rich features ? I am tired of excel sheet and book keeping apps. I am good with uploading statements but privacy should be given first priority then. I have found few of them, but unfortunately privacy wasn't mandated much.15
OpenTool Request
Hi guys, need a bank loan for loan consolidation
Anyone here who can link me or is a legit agent that can help me? I have loans on multiple platforms due to a recent hospital bill, its a bit frustrating to pay off on different methods, looking to consolidate at least 300k, my salary is 46250 and have a few freelance work that gets me an additional 15k-20k a month11
OpenTool Request
Financial planner
Hey I’m considering a consultation with a financial planner. I’d like them to have minimum 10 years experience and deal with other dental clients. I’m also open to if you think I should work with a lawyer for this stuff as well just starting to consider this. I’m 15 years into practice and will probably bring on a partner so sale coming is what’s encouraging this. Bonus if the are in western Canada where I’m from. Fwiw I don’t need investment advice I have a guy and I don’t need a guy to sell me anything except for financial planning. I’m with MNP for accounting10
OpenExploring Solutions
Asset mix in retirement
I am retiring soon with a robust pension that is indexed to inflation that by itself more than covers my current spending. Social Security will be gravy when it arrives. I am 60 and undecided on when to start drawing SS. My concern is my asset mix in retirement. I have about $3M in my portfolio ($1.5M Roth IRA, $1M traditional IRA, and $500k taxable brokerage), and owe about $165k on my home at 2.375%. I have very good, very affordable insurance. Until two moths ago I was entirely invested in individual stocks. It has worked until now - my CAGR since 2018 in different accounts is between 43% and 46%. I’ve been lucky for that to happen and know it won’t last. I don’t expect it to. I recently put $300k into SGOV as a cash reserve so I don’t have to sell stocks in a down market if I want to convert some to Roth, help my kids with house down payments, or any other extraordinary expenses that come up. I put another $200k in VOO recently. I don’t think my situation demands a 60/40 stock/bond mix because my pension and health care would seem to let me ride out a bear market. But I’m still more than 80% in individual stocks after the SGOV and VOO purchases, and I know that runs contrary to the generic advice given to most retirees - which seems to be put a very significant percentage in bonds. I’m looking for help identifying the factors I haven’t considered, some feedback on whether the SGOV is right-sized, and whether I’m crazy to still be 83% in individual stocks considering my pending retirement.318
OpenExploring Solutions
Help me on this please...Should I move ( or not) my 403b and 401K retirement funds out of Fidelity NetBenefits and either roll them over to a traditional IRA?
I'm looking for some guidance on the best strategy for my retirement accounts. Have been reading a lot posts here and it feels like the more I read the more I get unsure of what I should be doing. I'm 55, retired in 2023. I have retirement funds in a 401(k) and 403(b), and I'm considering rolling them into a Traditional IRA. My long-term goal would be to gradually convert portions of that Traditional IRA into a Roth IRA over several years to manage taxes rather than doing one large conversion. My questions are: Is this generally a sound strategy? What are the biggest pros and cons compared with simply leaving the money in my employer plan? Are there situations where rolling into a Traditional IRA is a mistake? How should I think about taxes when planning Roth conversions over multiple years? Currently hovering around 12% -22% tax bracket. Currently most of my money is in the fidelity growth fund FGKFX (70%) and VIIX for the rest. The total currently is 1.5M Not looking to tapping into this $ for a while (10-15 years) Hubby is also retired and just living off of his pension right now Own our house (no mortgage) Thank you for all your input!1614
OpenTool Request
Early retirement for mental health and time preservation
I was recently laid off from my job and was not working for about 4 months. I felt light every day, my relationship flourished, and my mental health had never been better. A friend referred me for a new gig and i ended up getting it. Money is decent but the stress is tremendous. My wife saw an immediate difference in my happiness and demeanor. As such, I’m looking to potentially just retire early. I’m 45 and wife, who doesn’t work, is 43 Our retirement accounts are well fund at about $3.8M combined. Not including our primary home, we have 500k in real estate equity that we may sell and reinvest in the next 5 years. In our taxable brokerage, we have about $1.6M combined. I am thinking about turning most of our taxable brokerage into an income engine via a myriad of cc ETFs and dividend stocks and living on this income until we can access retirement funds. Is this a crazy idea? I think I’m at a point where our money should by use freedom and happiness, but it’s a daunting thought.2818
OpenExploring Solutions
For those who are already retired: What was your net worth when you stopped working, and how has it held up? For those still working: How much do you foresee needing before you can comfortably retire?
I recently discussed retirement targets with some colleagues, and the general consensus among them was that reaching $5 million by age 55 is nearly impossible. That has been my personal milestone for a while now. Based on my current savings rate and projected investment growth, I firmly believe it is completely achievable. I know it requires a high income, disciplined budgeting, and aggressive investing, but it feels like my coworkers are writing it off as fantasy without actually running the numbers. For those who have hit this number or are safely on track to hit it by their mid-50s: What did your timeline look like? Am I missing a major blind spot, or is this just standard skepticism from people who don't prioritize financial independence?3847
OpenTool Request
Are we saving the appropriate amount for retirement?
I posted before but without enough information. I'll try again with hopefully enough information. We are currently saving \$115,000 per year, including company matches, into tax advantaged retirement accounts. This includes HSA, a variety of 401ks, and mega backdoor Roth IRA. We've maxxed out our tax advantaged retirement space. Is this the right amount to save? We currently have $2.8 million in retirement. We're in our mid-40s, and plan to work for 18 more years. We will also have two smallish pensions in addition to social security. We do not anticipate lavish monthly retirement spending. Maybe $10k per month from retirement accounts at most. I would like to live in an estate home in retirement, and perhaps a cabin on acreage as well to enjoy. Haven't really thought about what these might cost, figure we will consider options once we arrive at retirement. So, I'm trying to mull over if saving $115,000 a year is the right number for us. It's probably more than we need, but I like the idea of tax advantaged space.09
OpenComparison
Is it worth using the finances feature?
I really want to connect my accounts to play around with the finances feature but at the same time I'm worried about breaches. Not that I have anything to hide but I'm just wondering if it's logically a good or bad decision. Has anyone been using the finance feature with their bank accounts connected? Is it worth it?45
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