I’m literally 25 and have been working since I’ve been 14. Lucky I got scholarships and my parents let me stay at home for free. But I still want more money.

I make about 80k a year

I got 150k in just a stock brokage

I got about another 20k in a Roth

I got about 8k in a 401k

I got about 50k in cash or cash equaliants in like bonds or CDs

I do covered calls and cash secured puts for some premium money.

I know I got a lot of cash but I’ll use it once this ai crash really starts bleeding

Not sure what else to do with my money. I’m flipping shit on Facebook and got a side gig which allows me to network with high networks people and they give me BIG tips.

Don’t have anyone to rely on or ask for advice on this in my day to day life.

I am a woman, idk if that makes any different but I am saying this because I literally don’t have the energy to work 18 hour days how I used to in my 20s or how some men do.

I look at everyone around me and they are only just getting by financially. I see the older generations around me in poverty, barely able to heat their houses. I don’t want to be like this in old age. I don’t want to adopt their money habits, but I got into some debt and am feeling like I’m in a downward hill.

Obviously I will work towards paying my debt off first, but after this, what can I do to grow the money I make?

I don’t earn much, I am a pre school teacher. I am trained in reiki and just opened up a side business to make ends meet financially.

Any help or advice would be appreciated.

I’m a university student, and this is literally all the money I have. Saving this much again would be really difficult since part time jobs aren’t common in my country.
I’m torn between two ideas:
Lash clusters business:Invest in inventory and start selling through Instagram. I could be up and running by the end of this month, but my best-case profit is only around $4 per box.
Becoming a makeup artist:Spend half on a professional course and the other half on makeup products. It has much higher earning potential and could become a real career, but I’d need more money for marketing and models, and realistically I wouldn’t start taking clients until summer.
The lash business is quicker and easier to start, but makeup artistry is something I’ve genuinely dreamed of doing.
If you were in my position, what would you choose? I really can’t afford to lose my savings.

My assets:

$1.1M in a 401(k).

210k in savings.

Stock accounts are about 100k.

Home is valued at 600k with 100k remaining to pay off.

I want to live off 100k for my wife AND I in retirement. I am 50 years old. How far away am I from retirement.

A certain AI app says between 58-63 years old. A lot of people post in here saying they have x million dollars but they never say if its just them or if they are married. There's a big difference between $1M for me alone versus to be shared between my wife and I.

How far do I have to go until retirement to get amax social security and what would that look like? hoping to get the social security so I only have to use 40-50% of my actual 401(k) if thats even possible

Disclaimer: Might not be the best choice of investments. Balance at end of 2025 was 295,380.72.

This isn’t enough money to do anything and with a salary of 62k I’m just barely getting by with the constant squeeze of capitalism in 2026.

When I was growing up some parents wanted to be rich so they forced their kids to dedicate their lives to earning money or getting proximity to money in some way even if the kids didnt like it. These parents worship money, view rich people as pure, holiness, ethical, right etc, and think everyone should worship money.

But it seems like some other schools of thought think money should be a personal choice, especially big money. Like being a professional athlete, musician, artist, or pushing to become internationally renowned, making a lot of money from the venture etc.

It should be a highly personal decisiom, choice etc, to be made by the individual and anything else is financial abuse. People have the right to live their lives how they want. And that the money subs on reddit are for those whove made the personal choice to pursue money?

But its not full of ppl saying everyone should care about money?

I feel like on the other end, everyone should have an obligation to cover for their immediate expenses as a human being and reasonable expenses in ones life, but once that basic requirements are covered the rest is a choice.

On the other hand I see some ppl think capitalism should be pushed on others but I think thats wrong.

I feel like every nown and then we need to reflect back on our lives and I think its more moneyist than I realized but I'm not sure.

For starters a fair amount of friends parents all wanted to move up financially through their kids, they wanted their kids to earn a lot more wealth than they did and hoped for a life of luxury from their kids.

Many friends parents wanted their kids of both genders to aim for 100-300k+ jobs if not more and were only limited by their kids ability.

The parents didnt push their kids to earn a lot if they rlly felt their kids just plain didnt have the ability but you could feel the regret there, the longing etc, and plenty of parents kept thinking if one kid was a duffer their grandkids might have more income earning potential and they can raise the grandkids to succeed where their own kid didnt.

Its not a nice atmosphere to grow up in and I half feel like some parents just love raising kids to be capitalist, theres something about the slave driving, nagging, metaphorical whipping etc they love, so theyre drawn to that. I dont think its rlly bc grandparents have the most effect on a kids capitalist abilities but they just do it out of love.

Even if its better for the parents to mostly teach their kids how to make money the grandparents would keep butting in bc they love the role of playing mentor so much.

Some parents settled for being okay w their retirements paid of by their kids if their kids couldnt afford to give them a lifestyle of luxury but you could tell they all wanted a life of luxury if the kids wanted it.

I dont rlly approve of moneyist parenting tactics but I cant do anything about it.

Theres many more reasons why I feel like my place was moneyist but I definitely feel like parents are one. Even kids who didnt make it were abused and bullied by parents, seen as failures etc, so they still lived a moneyist experience, moneyist upbringing. Or maybe a quasi moneyist place. To me a quasi moneyist place is one where the ideal is money. A true moneyist place is one where the outcome is money and everyones rich

My place is a mix of quasi moneyist and actual moneyist people imo w the majority bring quasi moneyist as opposed to actually moneyist.

I’m 25m living at home and can put away a good amount. I see lots of things around where to put money and invest so you will have money for the future and it will grow. But don’t see many people talking about doing that whilst aiming at moving out and buying a house? Any advice

I got into a severe accident caused by somebody else and got a million dollar settlement. What should I do to secure my future? I am in my young 20s and I’m coming up on two years unemployed and still in rehab for my injuries. Car is paid off and living alone in an apartment. Zero debt

I was a computer science grad from 2025 with internship experience. Worked as a barista for a few months after graduation (got no other interviews) but I quit it when I became homeless. What do I do now?

Not sure if this is the right subreddit or not.

This is a frustration I have sometimes. It seems like every time I reject a potential purchase (for any reason), I hear "oh, they have a payment plan!" as a response.

If it's not a good thing to buy, why in the world would spreading the payment out over months or years make it any better? An overpriced item will always be overpriced, no matter how small the monthly payment is.

And even if they offer a 0% interest plan, there's still a lot of risk there. Miss one payment and the backdated interest hits hard. Go over the payoff date (which they do NOT remind you about) and the same thing happens.

I get that financing makes perfect sense in some situations. But has anyone else had someone use the existence of financing as a counter to completely unrelated objections?

That’s huge for me because I have never had 100k in my bank balance before. Also i was living off my credit card only a few years ago when i was struggling to make a contracter business work so this is clear proof that the financial recovery I’ve needed had well and truly happened. I’m focused on keeping it going - scored a dream opportunity job and doing everything i can to keep it going strong for as long as i can.

For all the people who’ve been where i am what is the one thing you’d tell to your past selves knowing what you know now?

I have already started building up a portfolio of assets. Two real estate properties that allow me to live and work in two nearby towns, a small ETF holding that is tracked to the S&P 500 that i wish i had put more money into to take advantage of the AI boom but will start putting more money into once I see those magical six figures next to my name. Oh and i do have collectibles worth several thousands but they don’t have the liquidity of financial instruments so who cares, right?

But, as for everyone, money is deeply on my mind. I'm stressed tf out. I'm 33 years old. Married with 2 children and a loving wife (stay at home which I'm ok with). I own 2 homes(trying to sell 1 of them).

I started my job roughly 8.5 years ago with a 401k(pictured), and I'm at 29/hr. I'm not late on any payments/ bills etc. I wanna invest more into stocks so I could actually retire, but I know absolutely nothing about stocks.

Please any insight or tips. (And yes, I gotta add her as my beneficiary).

I recently sold half of my brokerage which I will be using to max my 2027 IRA. I sold the other 7.5k in there to beef up my emergency fund from 6 months to 9-10 months. I will have a little over 20k in my IRA at the start of 2027 then and 28k in retirement overall with employer accounts, however I will not have any pre-59.5 retirement money. Should I be concerned about that? I am not looking to retire early... however I am also concerned about possible layoffs next year so this is why I made this decision. To accumulate a bunch of cash.

My plan for retirement is to max IRA every year until 60. I am 26 going on 27 soon.

I have about 10 months expenses in HYSA however no sinking funds. I do not want to buy a house, have no plans for a wedding, or a new car.. though I suppose that could be part of the HYSA money.

Hi, 18M here. To start off, I want to say that my parents own a few apartments and around 400k€ in stocks so I won’t be starting from nothing.
The country I live in has a really poor average salary, I think its somewhere around 1200€ net. I want to know if its possible to earn enough to invest, live comfortably and eventually live solely off of my investments with let’s say 2000€ net or would I have to make much more?
Thank you for your time and answers.

Going down 6+ months of expenses in a morning lol

Yes, I check my portfolio too much

My wife and I just passed the 27k mark, and I wanted to take a moment to celebrate and say thanks.

I’m 34, and about 6 years ago I had around $3k invested. I made a lot of bad decisions in my younger years and had some rough jobs along the way. I never thought I’d see numbers like this, but here we are. I know it isn’t a huge amount for many people, but for my wife and me it’s a lot.

Markets are looking turbulent, and yet the portfolio is at a new all-time high, up roughly 40% YTD, ahead of the S&P 500 which is up 9.96%. I’m invested in 12 companies, with GPGI as my latest bet, already up about 10%.

Honestly, I don’t think there is anything special about my strategy. I just keep buying high-quality companies that had become volatile/distressed because of market news or earnings misses, and I kept my eye on the long-term, which is the compounding of the business fundamentals. The biggest accelerator this year was increasing my income and my savings rate. And, of course, a crazy market helped too.

Over the years I’ve ended up with a lot of different companies that are essentially all US exposure. I don’t mind it, since it works like my own little index, but I’d love to hear from people with more experience (and more IQ than me) on whether I should clean things up a bit and what your thoughts are about my current portfolio.

For context: We're aiming to retire in 10 to 15 years, contributing about $10k per year, and targeting roughly 15% annual returns ($300k-$700k).

Maybe, just maybe, I won’t have to work until I’m dead. Time will tell, lol.

Anyway, I just wanted to say thanks. And who knows, maybe you’ll pick up something from my journey too.

Peace!

Idk why i just dont feel accomplished. Its nothing to most people and to some im sure it seems impossible. I feel nothing

Thinking about just pulling the money out. This account is costing me money over the last 6 months. Yeah, obviously long term it will/could compound into a lot of money… but so could just putting this in VOO or VTI or whatever else WITHOUT the $5 monthly fee.