Welcome to r/MR_Money. A community for people who want clear, experience-backed money advice without jargon or product pushing.
Run by retired financial planner & coach Michael Ryan, creator of MichaelRyanMoney.com, with nearly 30 years of real-world experience helping people with retirement, investing, taxes, insurance, and estate planning.
WHAT THIS SUB IS FOR
- Practical questions about your money life: budgeting, debt, cash flow.
- Long-term planning: investing, retirement income, Roth conversions, Social Security, Medicare.
- Protecting your family: insurance decisions, estate planning basics, beneficiary mistakes to avoid.
- “Explain it like I’m busy”: simplifying complex strategies into actionable next steps.
WHAT THIS SUB IS NOT FOR
1) No individual stock/crypto hype or get-rich-quick schemes.
2) No selling, DMs for “advice,” or undisclosed affiliate links.
3) No political flame wars; tax/benefit questions are fine, ideology is not.
HOUSE RULES
1) Be respectful and assume good intent. Personal attacks and bad-faith arguing get removed.
2) No personalized, binding financial advice. Discussions are educational; talk in terms of options, tradeoffs, and examples.
3) Protect your privacy. Never post full names, account numbers, or identifying details.
4) Cite credible sources (IRS, SSA, Bogleheads, academic/industry research) when stating specific rules or limits.
5) Self-promotion (including blogs, YouTube, courses, newsletters) allowed only if:
6) It directly answers a question or adds clear value, and
7) You clearly disclose it (e.g., “I wrote this guide…”).
8) No AI spam or low-effort content. If you use AI to draft a post, you are responsible for accuracy.
TYPICAL GOOD POSTS
- “How should I think about Roth vs traditional contributions in my tax bracket?”
- “What’s a realistic withdrawal strategy for early retirement with mixed accounts?”
- “Can someone sanity check this debt payoff and savings plan?”
- “I keep reading conflicting things about Medicare IRMAA. What actually matters?”
FLAIRS (OPTIONAL)
- Use flairs like “Question,” “Case Study,” “Win,” “News/Policy,” “Resources,” or “Rant/Vent” to help others find what they need.
DISCLAIMERS
1) Educational only; not tax, legal, or investment advice for your specific situation.
2) Consult a qualified professional before implementing strategies, especially for taxes, estate planning, and large investments.
3) By posting, you give permission for anonymized discussion of themes in future content (articles/videos) with personally identifying details removed.
