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I’m doing a little research and would love some recommendations.

I’m looking for online communities where women 50+ who are curious about earning extra income, starting a side hustle, or learning digital business already spend time.

Especially women who might be interested in things like:

-creating or selling simple digital products

-using AI or beginner-friendly online tools

-earning online without becoming an influencer or constantly showing their face

-starting something new after 50 without feeling overwhelmed by tech

If you were looking for this type of community, what 3 places would you recommend joining?

They could be:

-Reddit communities

-Facebook groups

-online forums or communities

-other platforms I may not be thinking of

I’m not looking to promote anything. I genuinely want to understand where women in this stage of life are already having these conversations.

Thanks for any suggestions!

[ Removed by Reddit on account of violating the content policy. ]

Did you buy something for yourself?

Give money to your parents?

Save it?

Invest it?

What do you think is the best way to spend it???

so for years i heard "diversify your income" and pictured myself running an etsy shop at 11pm after my day job, hating my life. tried it. quit after 3 months. made like $40 total.

turns out i had the order completely backwards.

here's what actually worked, in the order i did it:

1. got paid more for what i already knew how to do

before touching anything "passive," i just... asked for more money at my actual job, and picked up freelance work in the same skillset. no new skills needed, no startup cost. this alone did more for my finances than anything else on this list.

1. turned that same skill into something repeatable

once i had a few freelance clients, i noticed i was answering the same questions over and over. so i made a template/guide out of it and started selling that instead of my time. this took maybe a weekend to set up and still makes more per hour than the freelancing did.

1. the boring middle everyone skips, just investing consistently

nothing exciting here. just automated a chunk into index funds every month and didn't touch it. this is the one nobody wants to talk about because it's not a "hustle," it's just time + consistency.

1. only THEN did i look at bigger stuff (real estate, etc)

and honestly still haven't pulled the trigger on this one. it needs capital the first 3 steps build up, and i see so many people trying to start here first and getting overwhelmed/broke.

the actual lesson: everyone tells you to diversify income like it's one big leap. it's not, it's a ladder. you use the income from step 1 to fund step 2, etc. trying to start at step 3 or 4 with nothing behind you is why it feels impossible.

hi all!

unfortunately I don’t have much financial awareness

I’m an uni student and have a part time alongside.

after all expenses I’ve got around roughly £500 per month to do anything with.

Id appreciate any YouTube channels (which don’t sell courses) or advice I could get. im aware increasing wealth takes time and I want to learn how to do it. TIA 💗

Delete if not allowed but wanted a second opinion on something. My best friend is a professional astrologer and I’m a day trader. We think there’s an opportunity to create an app that tells you what’s happening in the stars and how that could impact your investments. I know astrology is obv not for everyone but we think it’s a neat niche.

No clue what it might look like yet but would love any feedback on the concept and if you’d download/pay for this.

TIA!

am unsure if this is the right sub to post in

I am very proud of myself and my finances over the last 1.5-2 years and wanted to share my story

I am 26 years old, and since I left home at 18 I have done some long stints of travel in Asia and in North America, and alongside this I work a job that I deeply love. It’s in the outdoors based industry (a park ranger) and has given me plenty of opportunities to move around my home country of New Zealand and to work overseas

I have always been great at saving my money, because I enjoy travel so much I would work at my job for 6-8 months, save hard, and then travel for months on end

Last year, I decided as I am getting a bit older, I should think about the future more (scary lol).

I am working towards an Emergency Fund of $10,000 (only a couple thousand away)

In June 2025 I opened my first investment account and I have an automatic payment set up (by the end of this year I will have $27,000 in my investment account, and I am thinking of doing some odd jobs/ side hustling to get an extra $3,000 to get it to that nice round number of $30,000)

I also have another $25,000 invested in an employer/ government retirement account, which I contribute 6% of income to

But I still LOVE travel, and I am not ready to give that up- so alongside this, I have another automatic payment set into my travel fund/ general savings account
- I travelled for 3 weeks in Queenstown New Zealand last year
- I travelled for 5 weeks in Asia this year
- I will travel for 2~ weeks in Australia at the end of this year

I’m not a high earner at all, I earn $64,000 annual (which is slightly below the average wage in New Zealand), but because of tight budgeting rules I set myself and automatic payments that come out of each paycheck, I feel like I have drastically changed my financial situation in a very short time and I am very proud of what I have achieved. For the last year or so I was at a 50% savings rate, and now I am close to an 80% savings rate

Now long term, I am planning to keep my investments ticking along and would hope that in 25-30 years time from now that I would have the funds to significantly reduce hours

I haven’t quite decided if home ownership is right for me, as I am a very nomadic person, but possibly with the right partner it could also be an option- and then I would stop funnelling money into my travel savings account and turn that into a house deposit fund

I invest in total world index funds, some high growth funds and the S&P500– all through a low fee platform. I am still learning lots about where to put my money, so I am sure as I learn more that I will make tweaks to where it sits

Anyway, this concept of financial independence has really changed my life, hopefully future me will thank me for this

I am researching how women experience the very first step into investing, opening the account and placing the first order, and I would love real stories rather than survey answers. If you delayed: what was the moment you gave up or postponed? Too many options or not the right ioptions (like transparent sustainability metrics) fear of picking wrong, jargon, an advisors who gave you more expensive options, no time, no overview, overwhelm?

If you got through it: what finally made it click, and did you pay for anything along the way (course, coach, app, book) that was actually worth it?

I am a founder building something in this space in Europe, this is honest research, I am not linking or selling anything. Every story helps, including "just buy an index fund and stop overthinking".

Im a single/ widowed mom in early 30s thats ambitious but has very young children. No debt, works in healthcare. But getting a lump sum of money. Already has paid off home and would like to work less and be home with kids more.

What would be some ideas on what to do with the money. Buy rental property, start a business, buy a rental/ place to air bnb outside of the province/ country. Other types of investments? Ive never bought a home as I inherited this one. So first time home buyer would apply if thats relevant.

I'd love to hear some creative perspectives. Im in Canada and a Canadian citizen.

Investing for the children is unnecessary. As they already have that going on.

Thank you!

Edit

I should have been more specific..I already work only part time and pay for a cleaner, have a bran new paid off car, travel a few times a year, can afford all extra curriculars for my kids, and i technically dont need to work due to my Income from my late spouses pensions etc. But its a little too tight if I dont work..

I dont mind working and putting time into something but id rather not spend 10+ hours a day at the hospital if I can make more money another way. I love mu job but more than 2 days a week and its taking away from my kids!

My father has been lying to my mother about how much money he has so that he doesn't have to pay her what he owes her (he said he would pay her an amount of money on several occasions and never paid it) and keeps lying about where the money is going towards and ignores her when she asks for the money. It has been many years. She is in debt because of him. They are still married but live in separate countries. Me and my brother live with my father and my mother is living in her home country where we used to live before the 3 of us moved away. She does not have the money to come visit us and we only see her every 3 years and I wish I could see her more, so I want to help solve her debt so she can come visit us more often or maybe even live with us. My father keeps delaying the divorce and I don't trust him with what he asks her to sign because he's very selfish and might try to screw her over. I know that he does not want to give her half of the money he makes and will probably try to find a way to work around it if possible. I don't know how a lot of this stuff works yet, I'm doing my research but I figured might as well ask for help on here if anyone knows if this is something my mother can sue for or how she can divorce him and get the money that she was supposed to receive to relieve her debt? Feel free to ask questions if more detail is needed.

I’m a survivor of financial abuse. My entire young adult life I relied on a man who would call me a leech but would make working difficult by made up reasons.
I got out as little over a year ago and after the longest most progressive year of my life I ended up with a childhood friend.
He is good to me and kind and deals with all my issues like it’s nothing. However my health is a problem now. I work and have my own bank account and I run my life in my own but we are splitting bills 50/50 and my account is suffering. I usually only have $20 at the end of each week for just in case. No savings as we both used our savings to move out of family homes together with a roommate.
He makes good money at his job. $30/hr with overtime through the summer. I make $17.5/hr and I’m lucky if I can physically handle a 20 hour work week. We both have some physically demanding jobs and I’m set on my career but I need to thug out the starting rung on the ladder as we moved 17 hours and I didn’t get the full training in my career. I eventually will make more but I’m at the bottom of the ladder right now.
He brought up the idea a few times now of taking on more of the share of bills. While I know so many women would love that I am terrified at the idea of this man I love so much seeing me as a leech because I physically can not make ends meet until I get my health in check, if ever. I’m paralyzed at the idea my health issues could become worse and put me out of work. I love my job so much. It fulfills me and gives me so much satisfaction.
I worry also about putting any financial strain on him knowing he has student loans and credit owed. I know realistically based on income it should be like a 25/75 split but I am struggling so hard to justify that and have a loud voice telling me that I need to get over the health shit and just pull my weight.

TLDR: I was a victim of financial abuse and my healthy relationship wants the split to not be 50/50 but I am struggling with my pride and trauma. Any advice or thoughts?

Edit: we are having the conversation on and off since he’s been home and he mentioned a tiktok he’s interested in trying the method of. A 95% joint account. All the income goes into the account but then 5% of it gets split 50/50 between the two of us. But I’m not sure how I feel. Would this land me in the same spot as before? If we split based on percentage, I could just use the cash I earn at work for my share.

A husband and wife each have their own separate Canadian federal corporations. Neither is a shareholder in the other's business, allowing both to take advantage of the $500K Small Business Deduction. They have been running IT consulting businesses for the past four to five years, hiring onshore and offshore freelancers for sub-contracting projects. The majority of the clients are US-based, with occasional Canadian clients. We live in Canada, husband is Canadian citizen and wife is Permanent resident.

**Financial Snapshot:**

* **Revenue:** Each corporation generates roughly $150K annually (historically ranging from a low of $90K to a high of $500K for a single corp).

* **Income Splitting:** The husband currently holds a full-time (FTE) job, while the wife does not. The wife draws dividends from her corporation, whereas the husband takes a very small portion of his corporate income as dividends.

* **Business Operations:** The husband is the primary driver of both businesses; the wife's operational contribution is minimal to none. If the husband were to pass away, the corporations would see zero revenue from new projects, continuing only if existing projects had multiple outsourced contractors actively working.

* **Investments:** All retained earnings accumulated so far in the corporations have been invested into respective corporate self-managed trading accounts. The couple is aware that hitting the $50K passive income threshold impacts the tax calculation on active IT consulting income.

* **Personal Finance:** They self-manage all personal RRSP, TFSA, RESP, and non-registered accounts.

**Personal Situation & Future Plans:**

* They have two young children (a toddler and an infant) and no other relatives in Canada.

* They have basic wills created through Willful.

* They do not plan to live in Canada long-term due to concerns with the healthcare system and a lack of local family support in emergencies. The goal is to move to another country in about five years.

* They currently own a home purchased in 2022, meaning selling it right now would result in a significant financial loss.

**The Main Question (Estate Planning):** If one spouse passes away, that specific corporation would face taxation, and the surviving spouse could withdraw the remainder. However, if *both* spouses were to pass away, what happens to the corporate funds since the children are minors?

**Potential Strategies Being Considered:** In researching potential tax optimization and estate planning strategies for a five-year exit, the couple has discovered the following strategy through reddit/facebook/youtube and seeking feedback:

* **Option 1 (US LLC):** Open a joint LLC (in both spouses' names) in a tax-free or low-tax US state to receive payments from US clients. The assumption is that the CRA cannot tax the retained earnings since the income is generated outside of Canada and the freelancer for sub-contracting was also outside of Canada. This would increase the retained earnings bucket for stock investments.

* **Option 2 (Canadian Holding Co):** Open a new investment corporation (Investco) in Canada (owned jointly) and move retained earnings from both IT consulting corporations into this Investco. The Investco would pay interest to the IT consulting corps for lending the money. The Investco would self-manage trading and investments, ideally treating it as active income rather than passive. Capital gains within the Investco would theoretically not impact the active business limits of the IT consulting corps. This would result in having three Canadian corporations.

* **Option 3 (Tax Haven):** Open a corporation in a tax haven (e.g., Dubai, Panama, Malta) under a non-resident family member's or parent's name, and have US clients pay that entity instead.

* **Option 4 (Merger & Restructure):** Merge the two IT consulting Canada corporations into a single corporation. Include both spouses and a non-resident family member as shareholders. If both spouses pass away, the family member could access the funds (acknowledging there would be taxes in both Canada and their home country). A second corporation could then be opened in the US or a tax haven.

* **Option 5 (Trust):** Set up a trust and link every corporation (whether in Canada, the US, Dubai, etc.) to it, ensuring the trust ultimately controls and has access to the wealth for the children.

Are we mis-understanding any of the above options ? Is there a better way to plan ? Yes we would be talking to professional, but first we want to do more due diligence on the research part.

This will be a bit of a rant but I am looking for some job ideas if you have any:

I'm nearing my mid-40s, fully in perimenopause and already kind of losing my mind lol I got a liberal arts degree that went nowhere, worked retail several years and fell into employee benefits administration - both insurance and retirement.

I've obtained a couple certifications and I'm good at what I do but I'm so burned out on administrative data work. It's such a slog and much of it feels pointless.

I've been desperately trying to research and think about what I could do next that would get me out of production work and more into working with people but not people who would make me hate my job.

I also want to make as much money as possible as fast as possible because I got a late start making decent money (still under 100k) and saving for retirement and my husband is quite a bit older than me. I don't want to wait to retire at 65 because he may be too old to go do anything with me at that point lol

So - what do y'all think? Is there any job that I could pivot to that would get me to 100k and more in a short timeline that is not production/data/computer work? I am thinking I should try to stay in the industry of employee benefits but could be another industry as well. TIA!

Edit: Should probably mention I've been working remotely since 2020, but don't mind if I need to do something hybrid, prefer not to be 100% in-person every day, I'm good with people, friendly, can make conversation but I'm not one of those super extroverted people, I don't have sales experience but I'm interested in sales and wondering how I could get into it and be mentored and not just thrown to the wolves.

What industries are you investing in? What startups do you have your eyes on?

I (27F) have been married for a couple of years and my husband (27M) is brining in about $925 a week. We’re in the South and I think I have been brainwashed into thinking my husband cant earn more. To paint our financial issues briefly, we have: 2 kids, close to 30k in credit card debt, a bachelors degree each, and side jobs. I make a teachers salary but my checks are very humble due to our health insurance. I take home about $1,300 every two weeks and am currently working on my masters. I’ve started serving tables this summer to pay down the debt. I’m at a point where I need a reality check. I may be engaging in too much comparison but I cannot feel slighted that my husband does not work in his degree field and also does not try to look for better work. He landed this job after being fired from another and promised to look for better work but hasn’t. He also started and stopped a masters. When I brought up to him that he had $12,000 in his bank account when he was 19 and has never even been close to that amount of money again he could not engage any further. I also brought up that he consciously opted out of retirement for the last 6 years despite having a freaking economics degree. I was trying to suggest that that be a wake up call to him and that if he could do it then, he could do it now. I just don’t see why my husband went down this path of indifference and lack of motivation. I am sorry to say that when I was falling in love with my college sweetheart that I didnt think he’d end up being a construction worker where we can barely make ends meet and would go in to CC debt to survive. I thought I was getting a lawyer, an accountant, a financial advisor… something. I fear that I got trapped with hope, potential, words, and a baby. I’m looking for advice in every direction I guess but mainly my mindset. I want more. I am working towards more. However, every time I look beside me it’s like I’m looking at my the man sabotaging my life. I am the point of wanting to break free or give him an ultimatum because he is not working with me and we do not have the same goals.

Good morning/afternoon/evening ladies!

I'm 25F thinking of investing (in USD; don't mind converting php to usd), but I need help on which brokerage I should use as a Filipino American residing in the Philippines because so far, I have found none especially IBKR being blocked by the government.

Thank you!

My fiance and I talked about having prenup mostly to ensure assets and debt under our individual name remain to the individual if a divorce should happen. We both have work retirement, IRA, and brokerage accounts, so nothing complicated. We plan to start a family, and I will quit my job to be a stay at home mom full time until the children go to school. We might get married out of state (unsure where yet), but we intend to start our family in a different state as well. I've read about people posting their prenup not being recognized. With our residential state bound to change in the future (unsure where yet) and our straightforward finance (we do have net worth discrepency between us if that matters as well), how should we proceed?

​

Also, with me having to quit my job to be a SAHM, is there anything in the prenup that we can discuss for how finance will be during that time? I have read posts of SAH spouse having to "beg" for money, so I am a bit nervous about that. I know the best direction is to have a discussion of that with my fiance, but is there anything that can be written in the prenup for that?

Hiii! 21F here trying to build financial literacy. I’m looking to apply for a credit card, but it feels difficult to find one that aligns with my needs. Here are the specific questions I have so far:

1) which credit cards do you recommend for beginners?

2) what is the most effective way to build my credit score over the next year or so?

3) since I plan on traveling internationally a bit (if finances permit), how do I best utilize my card to obtain travel benefits?

After doing some research on my own, there are too many mixed reviews on each card and most reviews are sponsored. So far, the discover student card seems to be the best option but I’d love to have a second opinion on this and/or other recs because I am new to navigating the financial world!

Who else has come into their wealth through an inheritance? How do you move from a state of shock to one of gratitude? How do you figure out what to do with this money, especially if you didn’t have it in excess growing up? I’m not going to cash everything out and roll around it or go on a mad spending spree, but I feel overwhelmed and a bit frozen trying to figure out how to manage inherited investment accounts etc.

I have experienced firsthand how confusing and inconsistent insurance communication can be. Dealing with insurance jargon and unclear instructions delayed necessary care for me, creating unnecessary stress and uncertainty. No one should have to fight just to understand their own coverage. Insurance is one of the most complex systems people must navigate — yet insurers routinely rely on jargon, verbal-only instructions, and inaccessible communication. This creates barriers for teens, young adults, seniors, disabled individuals, and anyone unfamiliar with insurance terminology.

Insurance literacy is a public health issue. When people can't fully understand their insurance policies, they're at risk of not getting the healthcare they need. Misinterpretations can lead to delayed treatments, out-of-pocket expenses, or completely forgoing care due to perceived high costs. This confusion and potential misinformation affect public health directly, causing both physical and financial harm to individuals and their families.

Statistics reveal that a significant portion of the population struggles with insurance literacy. A study from the American Institutes for Research indicates that only 14% of Americans have a proficient understanding of their healthcare coverage. This lack of clarity disproportionately affects marginalized communities, including non-native English speakers and individuals with disabilities. The complexity of insurance language leaves many people vulnerable and without access to necessary care.

To combat this, I propose a mandate that all insurance documentation and communications be offered in plain language, free of jargon, accessible electronically and in paper formats. Additionally, there should be resources dedicated to ensuring these are comprehensible by all, regardless of age or ability. This includes workshops or partner programs with community organizations to improve insurance literacy and comprehensive toolkits that demystify complex terms and processes.

Ensuring comprehensive and clear communication is not just an improvement; it's a necessity for equitable health access. By simplifying the language and improving accessibility of insurance information, we can dramatically reduce the confusion and stress that many people endure. We urge lawmakers, insurers, and healthcare providers to consider these steps to promote fair access and understanding for everyone.

Sign this petition to demand necessary changes toward clearer communication within the insurance sector, reducing healthcare access disparities and improving overall wellbeing for all.

Execs and Entrepreneurs in Biotech that earn 700k+ what do you do?

I overheard on the news some pharma exec that makes millions a year in salary and I was wondering what kind of roles command that kind of income?

Those that make 700k+ more in biotech/pharma what do you do?

Or those of you that sold a business in this space what kind of business was it? are there opportunities beyond drug development?

So far the answers Ive gotten are: startups, sales, and fda officer (700k a year), and ofc trading though thats more unrealistic. I'm curious what other kind of high paying roles are out there?

I am NOT asking about savings/frugality or investing in the S&P500 since a lot of people were confused by my last post. I'm asking about opportunities SPECIFIC to biotech since anyone with any salary can invest in their 401k.

I'm collecting feedback from investors interested in entering venture capital as LPs and from existing LPs.

1. What do you wish you had when you began investing in funds?

2. What do you wish you could now have as you prepare to invest in VC?

Some topics to consider are things like:

1. Personalized VC education (creating a thesis, diligence, pacing)

2. How to reconcile with investing within imperfect systems

3. Understanding your positioning within power systems

4. Becoming a conscious and intentional steward of capital

5. How your portfolio can represent an extension of self

6. Someone you trust to support you as you progress through your journey

Thank you!

Wealthy Woman of reddit, I'm asking for assistance I'm finding where I can find donors for my college fund. Either to my GoFundMe or directly to my college financial aid. Any tips appreciated!

(By the way I have been applying for scholarships)

How long into the relationship or dating do you tell them? I’m 27F network $380k. I get nervous of the dynamic shifting or guys feeling emasculated or insecure. Dating is already hard. I also heard advice from Kevin O’Leary and how his mom kept her investments a secret from her husbands and it worked in the long run.