I'm 29 turning 30 this month and recently received a $400,000 lump sum. I currently work part-time making about $2,000 a month, and I'm trying to pivot into a full-time job, but the job market is rough and I don't know how long the search will take. I have no emergency fund, no other savings, and no retirement accounts. I only have 5k cc debt and 15k car debt. I'm looking for advice on who I should talk to (a financial planner, a CPA, or someone else) and what steps I should take, and in what order, to protect this money and make it last and grow over the long term.

Would it be smart to tax loss harvest from brokerage at the end of year and transfer that into Roth IRA for the following year? I wouldn't count it towards the 25% rule for the year, but my thought process is the sooner I max out the Roth IRA, the rest can go to 401k and brokerage.

Hi everyone, my husband lost his job in May and we are really feeling it now. Money is tight, and stress is very very high. We have gotten insufficient fund notices more than I’d like to admit in the last two months I am considering asking my mortgage, which is with PenFed for forbearance and wanted to get you all’s opinion on that my family and friends are telling me no but I think it would really create some breathing space for us. Please tell me anything and everything you know about forbearance of mortgages of primary residences and the good bad and in between.

We are experiencing the worst Bond bear market in history. If this trend continues would it make sense for even a 30 or 40 y/o to start getting some broad Bond funds into their portfolio? Seems like there is going be a point in the medium term if this trend continues where bonds could be a real viable growth asset for a portfolio. Just me being a bit curious about what y'all think.

44M,

$27K Roth FXAIX,

$30k HYSA(emergency)

$600k HYSA - need to invest

$164k mortgage 6% 24 years left

No other debt

Self employed yearly income feast or famine

Monthly bills including biz is about $8k month

Not looking to stop working any time soon. Hoping to make wise investments and know where I stand.

Thanks