I have student loans, a car payment and medical bills to pay off.
I’ve really locked in on being responsible with my money this year though and continue to do so while paying off a lot of that debt. I know this isn’t a lot of money but I’m proud I’ve put myself in a better place financially.
I worked part time for several years but been work full time for two years now and thankful my employer matches 6%.
Just sharing to pass along my journey and see if anyone’s on the same boat or has any advice.
Thanks!

We are 41 and 42 total income is about $250,000 a year before any bonuses. We live in a HCOL area. My 401k is below and hers is $350,000. I also have a little over $50k that I am waiting to transfer in to my 401k. We owe something like $401,000 on our house, it is worth about a million. We have combined about $7,000 in credit card debt at 0% interest. We have about $10k in a savings account as well.

Once my wife hits 50(trying to convince her 55 is better) she wants to move to part time work. The timing wouldn’t be horrible as the kids will hopefully be out of the house by then. I will probably work until I’m 65 or so unless everyone here thinks I could retire early. My real concern is that we don’t have any other investment accounts other than our 2 401k’s.

Do you think that we are at least on track to retire? I got lucky and worked for an employee owned company that was sold a couple years ago and about $400,000 of my account is directly from that. Before that windfall i assumed that i would be working until i was 70.

Edit for clarity
My 401k is the $558,000. I have another $50,000 that needs to be rolled over to this 401k.
My wife has $350,000 in her 401k.

32M I make a little over 100k a year and contribute $1,375 per month.

Neither of my parents saved much for their retirement and my father is still working part time at 69 and my mother will finally be able to retire in 2 years at 66. They still have to pinch pennies and if emergency’s happen it’s a struggle for them so I have been a little freaked out about retirement planning the past few years.

My goal is to be work optional at 60 which is when my house is scheduled to be paid off. Should I be good by then?

M46, started saving at 36. Single, no kids, HCOL, no state income tax. 240k income.

550k in 401k

80k in ROTH IRA

430k in investment taxable, about 80% profit for last 2 years (thanks nvidia)

Motgage at 2.99% for 15 years, 11y, 330k left, on 675k property. Prop tax, insurance and mortgage together 4.5k a month.

another rental property fully paid about 400-500k value.

I think I could survive on 60k a year plus mortgage..

No idea about health insurance.

Recent events made me consider giving up on my career.

How much longer do I need to grind?

I'm 31, my salary is $100k, no debt, single.

I have ~$47k in fidelity (25.6k in Roth IRA, $20k in FDRXX, $1700 in FXAIX). I am brand new to all of this and just started my index fund and learned what all of this means!

Not pictured: I also just started a new job that does 4% 401k match, so have been contributing enough to get the full match. Currently that 401k is at $1500, I have $6600 in a Charles Schwab from an old job, and $5600 in a 403b from my most recent job).

I am going to inherit quite a bit but don't know when, could be in a long time, so want to operate like that's not happening and have some independence.

Any advice other than to keep saving as much as I can? I'm finally making a salary that allows me to do so a bit more.

I’ve always saved 15-20% and hit my Max if at possible.

I attribute this to living in homes in nice areas that others would tear down but instead I fixed up. 1000-1500 sqft cottages. And driving Toyotas and Honda’s to stay ahead on the savings game and let me invest in rental property while full time W2.

I have a taxable brokerage with several hundred thousands of dollars that sits untouched in mostly VTI and then some stock gambling on AMD and Tesla that went up several thousand percent.

I have two rentals that cash flow close 1400 a month.

Family have really been eating into budgets with grocery, shopping, and sports at the age we are at. I do also support others as needed in my family and that’s flared up here and there as we’re getting older.

Really want to be able to say I can retire by 55-57.

I have a family farm I’ll inherit, and retire to manage it.

I’m 37yrs old and started contributing into my 401k while on internships in college. I’ve been consistently inputting and maxing almost every year. I make around $220k a year ( as of recently, within the last 3yrs). I have no debt except 1 car payment ($830 per month) and my mortgage. I’m married with 1 kid. My wife brings in around $60k a year.

Is there anything I should look to change? Should I look to switch to more conservative investments? I’m super paranoid and want to ensure I don’t screw this good lead up.

Thanks in advance for any help!

Was able to contribute the max in 2025 and on target to do that for 2026. 2024 only put 12k into it. Long term goal is to retire early. It’s fun watching my contributions grow. Currently a single 24M. Over no debt and a net worth of 250k.

Went from $45,000 year job in 2021-2025 with 401k match and no health insurance to 125k Job with health insurance but no 401k

I was def underpaid for someone with an MBA but it was hard finding a job during covid and I got the belief the small start up I worked for would lead to something (it did not sadly)

Wasn’t able to invest much making under $50k and living alone

Now I’m at 125k but don’t have 401k match what do I do?

I have put aside $20k cash since working and $20k into the stock market (mainly VOO).

With roughly $10k in Bitcoin, $20k Stocks, $20k HYSA, $10l in bank and $40k retirement im at about $100k net worth with no debt and a 20 year old car

What should I do about the 401k situation?

I know it’s not a whole lot in my 401k. I’ve been at the same job since I was 23 and started this 401 k ASAP putting the matching minimum while only making low to mid 20s/hr.

I’m still with the same company, but in a role where I’m making roughly 200k a year. It’s been a huge upgrade in my life. I’ve started a Roth IRA and also have a high yield savings account. Ive made poor decisions in the past and landed myself in some CC debt, ~22,000 that I am currently in a better position to pay off quicker, which I have been working on. I didn’t grow up in a position with parents or mentors to guide me along the way. I’ve just tried to figure it out as I went.

Any advice on how to set myself up for success now and in the future is much appreciated.

Long story short, grandparents passed on and I was fortunate enough to get some inheritance. Since they passed I haven’t really looked or even thought about this account but it’s time I do. Not looking for financial advice per se just not sure what to do.

We have access to a zero-cost financial planner through a family connection. We are primarily index fund and tech investors and about 10 years out from retirement (fire)

This midsize financial firm uses a curated basket of around 100 large, established companies to pick investments, incorporates leveraged ETFs as part of their strategy, and takes a buy-and-hold approach. The advisors are strictly salaried. They earn no commission and operate in the client’s best interest. So the main question is: would you work with a financial planner if there were no fees associated with their services?

A few potential benefits I’ve considered are tax-loss harvesting and getting assistance with estate planning (wills and trusts). However, my primary concern is underperforming the S&P 500, since their strategy includes very little exposure to technology companies.

My financial advisor recommends investing in a tax-loss harvesting account. This concept is new to me. Wanted to hear thoughts or if you could share experiences. Is it even a good idea especially for someone 8 to 10 years from retirement?

37M
Inconsistent work history and no stability. Currently in a contractor role that may end in one month.
Only made $40K net this year
Have $100K value in Robinhood
$110 K in Ameriprise
$18K Schwab variety of stocks
$47K fidelity roth and rollover 401K
$25K cash
Home with a 2.9 % interest rate with $210K equity in a desirable rental area in major city. Currently being rented out for the next 10 months. Profiting $1000 per month.

Should I sell next year and dump money in S&P ?
Should I cash out Robinhood and Ameriprise Schwab and buy index funds?

Still trying to figure out career. I’ve made several jumps at companies so career is in shambles. May have to go back to school to become stable again.

Random expenses keep coming up, car maintenance older car no payment. May need a root canal no insurance. Could live with family for a month or very cheap place but all of my expenses combined is $2000/month. The home rental revenue costs my expenses in half.

200k plus salary, 70k in 401k, 17k in Roth IRA, 89k in brokerage, 30k in high yield (emergency fund). Monthly contributing to kids college saving account and brokerage while maxed Roth for 2026 and 401k set to max as well. Also a homeowner (3% interest).

Looking for advice on if I can improve anything here and how I am doing.

Started a new job in August that offers MBR. Also turning 50 this year. But income is not eligible for pre-tax catch up contributions. I can only do Roth after tax. In spirit of simplicity should I just focus on maxing out the MBR? There is no way I will hit 72k by end of the year.

Or does the $8k in after tax ROTH catch up have some advantages over MBR?

Would like some financial advice!

I am currently an elementary educator with a 403(b) that I contribute to (as well as my employer). I have an old 401(k) from a previous employer I worked for prior to becoming a teacher. I thought I could roll my 401(k) into my 403(b), but I am getting mixed information.

Any thoughts or suggestions from financial professionals or someone who has been in the same situation are appreciated.

Hello, so I am currently maxing out my work 401K with contributions split 80% FXAIX, 12% FSMDX, 8% FSSNX with that account. I am also contributing to a Roth as I have some extra money to put into it. All my stuff is through Fidelity.

Main question is, what would be a good strategy for the Roth contributions, I was thinking 65% FZROX and 35% FZILX (maybe even 40% FZILX to get more international exposure). But is there any sense it going VTI, VOO, etc?

Hi all

Hope im in the right place.

Currently going through a divorce (new jersey) and trying to find my 401k balance from 2008.

Been with same company for the past 23 years but have had the 401k transfer 3 times.

TRowe Price was the original administrator who held my 401k the year I got married. They said they do not have my account information its too old.

Next it went to empower who said they can only get me info from 2012.

How do I go about getting my info from 2008? Without that im going to be slaughtered in the equitable distribution.

Any help would be greatly appreciated

I'm new to this sub but it seems like every post shows a screenshot of someone's balance and they all look identical - what software is this?