Category: Новости

Opening a Roth IRA at 20 is one of the best financial moves you can make, even if your income is modest and you’re juggling expenses like a car payment. You don’t need a lot of money to get started, and the earlier you begin, the more time your investments have to grow tax‑free. Below…

Reaching a savings milestone like 33,000 dollars is a big achievement. It represents years of discipline, delayed gratification, and careful planning. But once the money is there, a new challenge appears: how do you use it wisely so it doesn’t just sit idle and lose value to inflation? Instead of rushing into a single choice,…

Working in One State and Living in Another: Are You Paying Double Taxes? When you live in one state and earn your paycheck in another, it’s easy to panic the first time you see how much is being withheld from your paycheck. If you’re in a situation like living in Maryland and working in Delaware,…

My wife and I are both 42 and planning to relocate to another state in about two years. Financially, we’re in a solid but somewhat illiquid position, and I’m trying to figure out how aggressive we can be with our emergency fund to bridge the gap between selling our current home and buying the next…

Selling a nearly new car a few months after buying it feels irrational on paper, but that’s exactly the situation I’m in. At the start of the year, I moved in with my partner, which put me about 40 miles away from my job. My old daily driver is a high‑mileage Subaru Outback that has…

Balancing Debt Repayment and Savings: What Makes Sense in Your Situation You’re juggling several moving parts: a sizeable loan, active credit card usage, modest savings, and financial responsibility for other people, all while living in a high‑risk environment (war, health uncertainties). The core dilemma is clear: should you drain your savings to get rid of…

This year’s biggest money trends-stubborn inflation, higher interest rates, shifting housing costs, volatile energy bills, and changing debt and savings patterns-directly affect your family budget. To stay ahead, track these trends, map them to your actual bills and goals, and run a simple monthly check: earn, spend, save, adjust. Top Money Shifts That Mattered This…

Welcome to a weekly open discussion dedicated to everything related to finance: careers, coursework, and the broader world of money and markets. This space is designed for curiosity, learning, and honest conversation. If your question touches finance in any way – from the basics of interest rates to the nuances of structured products – it…

At 25 you’re already doing several things very right, and that puts you ahead of many people your age. You’ve started investing early, you’re using tax-advantaged accounts, and your fixed expenses are relatively low thanks to your housing situation. Now the main goal is to build a solid, balanced system so that your future retirement…

New tax law changes can affect families through credits, deductions, and income thresholds that determine your final bill or refund. Focus on child-related benefits, tax brackets, housing deductions, education and childcare credits, and how retirement and Social Security interact with family income. Then adjust withholding, timing of income/expenses, and documentation now. Top Changes in the…