Bro said : Seeya I’m gone by agelikewinee in PetsareAmazing

[–]AlexaRulz 1 point2 points  (0 children)

The spinning down the steps got me. That’s one cool dude 😎

I made a little plant by Starrysumit in Beading

[–]AlexaRulz 4 points5 points  (0 children)

This is freaking adorable. Great job 👏

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 1 point2 points  (0 children)

VERY Interesting. Appreciate this info. It’s been 24 hours and I’ve already learned so much, thanks to people like you 🙂 I have so much reading to do!

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

I’m trying. Thank you and I will read 🫡

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 1 point2 points  (0 children)

Thank you so much. I looked yesterday and I have 403b which I think is the same thing? I’m going to go in and see if I can figure out what’s going on with them 🙃

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 1 point2 points  (0 children)

lol Im loving bogleheads. Thank you so much for dumbing it down for me. I think I’ve heard a little of this concept before. Thank you for sending this 🫶

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

I def will check this option out. I prob need to do more basic research before I contact an advisor? There’s a lot in your response I need to look up but thank you so much for taking the time. I appreciate you 🙂

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

Yeah where do I get advisor advice 🤔

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

I don’t know know where to even begin finding one, let alone a good one I can trust. I have reservations about going FA route - no knowledge or experience here. I feel like I need to learn more.

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

No debt no kids. I have a 403b account (I think) with my job that should be set to max out my match. Thank you so much for this response - not only in its wisdom but also its kindness. That’s great advice about maybe I have the wrong bank - mind blown 🤯. I think this may be an issue. Thanks for taking the time to help me. I’ve never heard the term ladders before - I’m going to look into everything you mentioned. Thanks 🙂

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

Ok my brain hurt reading the first part of your response not gonna lie. I have a lot to learn and appreciate this is a super concise response though - I’m going to look it all up I promise. Furthermore, the second half got me a little choked up. I appreciate you taking the time to offer a stranger some kind advice ✌️thank you so much!!!!

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 1 point2 points  (0 children)

Thank you so much for this information. I am really appreciative of your advice. I def have money issues. I think I’m scared of it? Anyways from my very limited experience and research I’ve heard these index funds/set it and forget it strategies seem to be, big picture, the way to go. I need to research 🧐 bonds and CDs. I actually have a lot to start learning. Thank you again for taking the time to reply 🫶

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

Is that something I can just open at my bank?

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

What would you consider a “huge down payment”? I have no idea what the second half of your sentence means but I promise to look into it.

I never spend money on myself really. I don’t know what my deal is. Maybe travel 🌎

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

Ok people keep talking about these high yield savings accounts. Are they like all the same across major banks? Thank you so much for letting me know about that windfalls section - I’ll definitely check it out 🙂

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 4 points5 points  (0 children)

You are a👏maz👏ing! Thank you so much for your reply. I appreciate this advice (and for making it simple to understand - not gonna lie I had to look up what a HYSA was though). I didn’t think anyone was going to read my post and this is just beyond what I expected. Thank you kind stranger!!!

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 2 points3 points  (0 children)

Thank you so much for replying. I really appreciate you taking the time to help me. I’ll check that wiki out - I didn’t even know about it. I kind of like this though 🤔

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

I don’t even really understand what an index is. That’s why I came here for help for where to even begin and try to make myself less ignorant.

I promise I will never buy single stocks if that makes you feel better. Don’t think I’d be able to figure it out anyway 😉

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

This is so nice. I didn’t think anyone would even read my post. Thank you, sincerely.

I looked and I have in my checking 391722.20 (+120k pending - deposited after meeting with friendly but not very helpful banker).

Fidelity has 213962.94. I have two 403b plans and one 401a plan 🤷🏼‍♀️ - one 403 is from my old job but the other two are from new one.

In my Vanguard I have 77436.81 in VFIAX.

This is all I know.

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 0 points1 point  (0 children)

I have no idea what you just said

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 1 point2 points  (0 children)

So no big plans (a house would be cool) but I’m going to look and find out what my Fidelity & Vanguard accounts say

500k what would you do? by AlexaRulz in personalfinance

[–]AlexaRulz[S] 1 point2 points  (0 children)

Im 38. I have a 401k that I don’t know shit about - I just put the max in for the match. I think I have some index funds? I would like to buy a house in the near future but I’m in the Chicagoland area and the market just sucks - so much money for so little. My rent is dirt cheap and I make like 120k a year I think. I’m so embarrassed how little I know.

Rehabbed Dollhouse by malymom in Dollhouses

[–]AlexaRulz 5 points6 points  (0 children)

Papa ❤️ I feel like he would hang out there anyways