Paid off k in credit card debt. The key for me was the avalanche method plus a balance transfer card for the highest rate debt. Took 3 years but Im free now. You got this.

0 votes · 3 weeks ago

Leased for 6 years before doing the math. Switched to buying a 2-year-old certified preowned and driving it for 8 years. Saved literally tens of thousands. Leasing is basically paying for the most exp...

0 votes · 3 weeks ago

This exact thing happened to me last year. Turned out it was a legit debt but from an ER visit where they billed the wrong insurance. Definitely dont ignore it but also dont pay until you verify. The ...

0 votes · 3 weeks ago

Whatever the bank approves you for, go 20-25% lower. Banks dont care if you have money for fun or emergencies. At k I personally wouldnt go above k-350k to stay comfortable.

0 votes · 3 weeks ago

S-Corp can save you money on self-employment taxes once you are making around 60-80k profit. You pay yourself a reasonable salary and take the rest as distributions.

49 votes · 3 weeks ago

The 50/30/20 rule was created when housing was 25% of income. Its outdated for current reality. **Adjusted for 2024:** - Needs: 60-65% (housing costs have exploded) - Wants: 15-20% - Savings: 15-20% ...

0 votes · 3 weeks ago

For money you wont touch for a year, CDs at 5.25% are slightly better than most HYSA rates right now. But theres some nuance: **CDs:** - Rate is locked in (good if rates drop, bad if they rise) - Ear...

3 votes · 3 weeks ago

Tax preparer here - your situation is actually pretty straightforward. You can definitely do this yourself. **What your situation involves:** 1. W-2 income (easy - your employer sends the form) 2. S...

0 votes · Feb 05, 2026

Indie developers absolutely can make money, but it is harder than ever. Focus on subscriptions rather than paid apps - the market for paid apps is basically dead.

36 votes · Feb 03, 2026

I was exactly like you for years. Here's what finally clicked for me: **1. Go directly from work - don't go home first** This was the game changer. I keep my gym bag in my car and drive straight ther...

0 votes · Jan 07, 2026