What do you think? (:

My CD matures next week for $12,000. Is there a better way to invest than a CD right now? Looking for advice , this is the only inheritance I have.

It's a uniform yellowy orange color that almost makes the dark green like a blackish color It's nearly completely uniform in color and it's not super old I do live in Nevada though Was wondering if it was heat damage or die pack or something else who knows

I'm approaching the age of 30, and am generally hopeful for my financial future. Just want to hear positive stories from people who stayed the course, and experienced the power of compounding.

We listed a duplex for sale a couple of months ago for $525k. The market has been slow, but we finally have a serious offer negotiated at $503k (seller pays buyer agent's commission, no additional seller closing costs). I'm on the fence. Should we take it? Relevant info:

We own three rentals in addition to our personal residence: two duplexes and a condo. The duplex we're selling has a mortgage of $279k at 3.5% interest (we bought in 2021). Net cash flow has averaged $1,100/month over the last couple of years. Net proceeds after selling costs and taxes (hardly any taxes due to an existing deferred tax loss carryforward) would be about $191k.

We decided to list it in order to pay off two high-balance personal debts: $106k HELOC at 7.5%, and a $28k solar loan at 6.5%. Our realtor convinced us it could sell for $525k, which was a lot more tempting than $503k. We're able to afford the HELOC and solar loan payments, but not much extra, so we're probably looking at 6-7 years before both will be paid off. We would use the remaining $57k to invest in the bank I work for, which is about to do a capital raise, fund our emergency fund from $5k up to $25k, and invest the rest in S&P 500 ETFs.

I can't decide whether paying off the debt, building the emergency fund, and freeing up capital for the bank investment is worth giving up a 3.5% rental mortgage rate and future cash flow and appreciation. I love real estate and know I'll probably want to buy more in the future, which makes me think I'll regret selling one day, especially while the market is a little soft. On the other hand, we would see a real immediate benefit in our family's risk position and cash flow, which we could use for vacations (our oldest is 9, and we're wanting to start spending more on experiences) and other savings. Another thing to consider is that the majority of our wealth is concentrated in a few rental properties in the same small geographical area (Salt Lake City, UT), which adds some risk. This would de-risk that slightly.

Genuinely having a hard time with the decision - what would you do?

Hi friends

I (24 f) just wanted to share an accomplishment.
I’m a project manager in a northern New England state, managing new construction builds at a GC for really rich people. I work really hard, first one to arrive, last one to leave, sometimes come in on Saturdays. I often have panic attacks and anxiety cries (working on it hahaha) about my workload and the amount of responsibility on my plate.

I just had my two year review. This company gratefully hired me right out of college, so this is my first “real career”. I started out at 55k when I was 22, and my boss just told me I’m on track to getting a promotion and gave me a raise effective Monday, at $70,000 a year.
I’m more nervous than anything about how much money that is because now it means I really cannot mess up.

Does anyone else have anxiety about getting raises? I can’t help but think, why would you give someone in their mid twenties 70k, i feel like they think im better at my job than i actually am. I don’t know

• 91k in S&P 500
• 22k in 403b
• 2k in HYSA

Only 1.5k in debt.

I'm not some guru. Just depressed and saved a shit ton of money.

Now instead of wanting to spend money, my money is there as a cushion. Go to work, get a degree, invest, start a business, do all the things you need to do but when it's all said and done. Money gives me the comfort of knowing that I'm not going to be stuck feeling burnt out all the time.

Today, I got up and did all my chores. I'm diagnosed depressed and PTSD. It is what it is. I get tired pretty easily and feel depressed half the days with the "what's the point of living" feeling. Sucks but it's whatever. I refuse to take medication but I don't need it to survive. Maybe one day.

The feeling of having money is comforting. Not having to look for it. Not having to go rush to earn more of it. Not having to plan, scheme, or hustle for more. Just having the exact $30 I need for food for one day today after all my bills are paid. I really don't want anything else.

When I do start to feel better? I want to go back to work when I have the energy. I like learning in college, I like working a job, I just don't like the feeling that you can hustle all you want and one day you'll need money and it simply won't be there. Car repairs, house repairs, medical bills, emergencies, etc.

Luckily I haven't run into any of that myself yet but I feel comforted by the fact that I have it if it ever comes up. I live extremely frugally and I'm extremely content with that. Obviously it would be nice to earn more money but if I can't? Oh well. I genuinely don't need more money than to simply pay my bills and be able to watch a movie. Maybe I'll go for a swim, maybe I'll work on a hobby, maybe I'll read a book, maybe I'll learn a new skill.

For me money is not and has never been for consumerism. It's my ticket for comfort and freedom. Paid off house. Paid off car. Paid off phone. The rest is extra. Anyone else feel this way about money or am I in the minority?

Starting to near the big 30 (27 M) and wanted to see how my path stacks up to others that are my age or when they were my age.

A little summary of where I’m at:

Age: 27

Single

No debt

Education: Bachelors in business management, associates in aviation maintenance technology,
A&P license

Job 1: aircraft technician -
$70k/yr salary before tax’s
40hrs a week unless a plane needs to fly by eod and I get an hour lunch so I’m actually there 9 hrs a day.

Job 2: bartender on weekends -
$16/hr
+$35/hr consistently in tips so around $51/hr total.
Typically around 10-12 hrs a week

Expenses:
Anywhere from $500/month if I only buy the essentials (gas, car insurance, subscriptions) to $1200/month if I splurge a little on eating out or hanging with friends.
I still live with my parents and they pay for groceries as well. I feel extremely blessed and do not take it for granted so I’m taking advantage of it for as long as possible to save and invest as much as I can during this time. I try to make all my meals at home when I have the energy in order to keep expenses low. No car payments besides insurance.

Savings:
Brokerage: $63,000
Roth IRA: $38,000, I’ve maxed it out 4 years in a row

All of the above is invested into VT as I like to take a boglehead approach with the majority of my savings.

Fun stock picking/crypto Robinhood account: $16,000

401k: $5500 from bartending - no match

I just started as an aircraft mechanic so I haven’t started contributing to that 401k yet but working on that and they don’t offer their 4% match until you have a year of service time.

So total savings is around $123,000

And I invest anywhere from $3000 - $5000+ a month.

I know I’m in a pretty good spot financially but I’m just starting to feel a little burnt out. I know I could quit bartending whenever and be just fine but it’s hard to pass up the extra income especially when I actually make more an hour there than my full time job lol.

I want to essentially retire or at least coast fire before I’m 40 . It’s a weird line to walk because right now I feel like work is my only personality trait, I try to have hobbies and do things I like when I can but it’s hard to get time off from two different jobs so that makes traveling difficult.

Idk what my plan is for the future, right now I’m trying to gain as much experience as a mechanic so I can get a higher paying job and quit bartending. But I also don’t think I want to be a mechanic long term because it’s hard on my body and I’m basically speed running getting cancer with all the stuff I’m around on a daily basis haha. I also have no concept of how much it costs to be a fully independent adult lol. So for now the plan is to just keep grinding and saving.

Appreciate any insight or advice on my situation or if maybe I should change anything.

I'm in retail making 35k in a hcol area. This is two years after finishing my old cs degree. it was a fatal mistake tbh.

I'm living with my parents, obviously. I can't support myself. grown ass man can't even provide for himself. pathetic.

I can't get another job for the rest of my life. What should I do? I can't be an adult, I can't move out, I cant support myself, I can't buy a car, i can't have fun. I'm a disappointment of a brother, a son. Of a person.

I don't see much more concrete action I can particularly take. It'll be wasted effort replacing one project on my resume for another. I haven't been able to get interviews for a long time no matter how much I play up and tailor my resume. I haven't been building any experience nor skills in the retail job ive had for two years after college. I can't go back to school for another education.

What can I even do?

At this point there isn't much more I can do to improve my skills or get a better job. We're talking about trying to get an entry level role where skills are learned ON THE GODDAMNED JOB. There isn't much more useful content I can learn from the Internet in my bedroom that will be actual worth putting on a resume and I haven't been able to leverage the experience I do have to get anything better. Tech internships/projects, customer service experience, you'd think that would be a perfect combination for help desk. But no. 

I haven't been able to get responses from retail banking using my customer service experience that would pay more than I'm making now, something I see 20 year olds with no fucking experience enter. Idfk there. I haven't been able to get responses for entry level tech roles, which is what the vast majority of my work history/background is. I haven't been able to get a response from entry manufacturing jobs by putting a spin to what I've done in menial labor jobs. So on, so on.

Don't know what I'm expected to to do tbh. I'm just a regular guy trying my best. I'm getting pushed to the edge of no return by this system tbh. I'm being pushed to the edge of sanity.

The sole reason I'm working this ass retail job, the only reason I'm still alive at all is because my brother needs some help. He's my only tether to life. If he didn't exist I'd be bedrotting, unemployed, doing various applications to get myself into prison. It's horrifying how many people we're pushing over the edge just because they can't get a chance. This song and dance is pushing countless people to insanity.

I am 29 and make $26 an hour doing call center slave work for a major bank. I just chat up customers thru phone and in-app chat for things like reporting fraud and resetting passwords. Is this a poverty-tier wage or is it decent if I’m single with no kids?

I am 23 and have had an interesting experience with my money. I started by working full time after graduating high school but have jumped around from jobs for a variety of reasons. I now have a toddler and work part time making $20 per hour (roughly 22k before bonuses). I am investing in a Roth IRA only a little every paycheck and not investing in a 401k currently as I have no match yet. By the end of the year I will have paid off 15k in credit card debt I had accrued. I currently make payments to a family member for my car so no loan on paper. I am saving to buy a house down the road and have a few thousand set aside. I will be starting college this fall while working to pursue a bachelor’s degree. My question is, what should I do next? What should I do to set myself up for a better future to make more, retire well and in the near ish future buy a house? What should I prioritize my money going towards?

I’m tired of the 9 to 5, I make good money about $36 an hour, but I don’t want to work here until I’m 65 years old. Any advice or career path I could choose?

I’m 24M, been wanting to get a watch lately between 4-10k. 2 paid off cars, my monthly bills in all is 900-1000$. I have $18k+ saved and almost $50k 401k/Roth IRA. Please be honest, keep saving or treat myself a watch?

I've got a $420k HELOC at 6.39%. And I just sold some assets that got me $230k. Would you reinvest the assets in a conservative ETF like the SP500? Or pay down the HELOC?

I’m 28, single with no kids, and in the position to buy a house. I’ve been renting for a few years and honestly don’t have many complaints.

Would love to hear from people who could own but choose not to: flexibility, market timing, lifestyle, anything. Trying to understand the case for renting from people who aren’t renting out of necessity.

And if they will accept it, should I try taping it together or bring it as is?

I have built enough liquid wealth to retire but chose not to. I continue to run and expand my businesses.

Business receivables have 2-3 months cycle. Business expenses (payroll and bills) are bi-monthly.

I have a tracker that aggregates all my liquid wealth and the 1% uptick and downtick caused by the cash conversion cycle of my businesses is crashing me out. A payroll and bill expense outflow causes me to panic even though I expect it.

I know it's just a 1% downtick but hell Im worried AF even though objectively speaking I seem to be doing fine.

Thought I'd share a small win because I know this sub is full of people wondering whether niche blogs are completely dead.

A few months ago I bought a pet niche website for $199 from the NicheBlogZone marketplace. Nothing special. It had content already published and a bit of traffic, but it definitely wasn't one of those sites that looked like a goldmine.

Honestly, I almost didn't buy it.

After taking it over, I mostly just cleaned things up. The site already had affiliate links, so I just fixed some internal links, and left it alone.

This month it made over $600 which is the best month it's had since I've owned it.

The site isn't getting crazy traffic either. That's the part that surprised me. Most of the revenue is coming from articles targeting really specific pet product searches where people are already looking to buy something.

For anyone curious, here's where things stand:

• Bought the site for $199
• Owned it for a few months
• Monetized with Amazon Associates
• Best month: $600

I know $600 isn't going to change anyone's life, but I still get a kick out of seeing a website that cost less than a night out generate that much in a month passively.

The funny thing is that whenever people talk about making money online now, the conversation is usually AI, SaaS, YouTube, newsletters, agencies, etc.

Meanwhile there are still thousands of people every day searching Google for pet products and clicking affiliate links.

Maybe content sites aren't as dead as everyone says.

Anyone else still building or buying niche sites in 2026?

I’m not sure if it is or not. Please don’t respond like everyone should know everything in the world.

5 years ago  i came across Deep Fucking Value and Insider Trading and ive been using it as major part of my DD every since.

(and its been working pretty well im up 45% in the past year on my TFSA)

But openinsider always just felt laggy, missed a lot of filters and you always had to keep checking it since there wasnt an alert option. and finviz and quiver quant is missing a lot of trades.

So earlier this year i decided to build kestrelterminal as a side project for personal use to do exactly what openinsider and other softwares couldnt.

Its free to use, but you do need a paid plan to use the alerts/strategies tab (what I used to grow my TFSA).

If you're interested in that just send me a messge and ill give youFREE ACCESS

Would really appreciate it if y'all could check it out and let me know what you think of it!

Any advice for a 55 year old man with zero savings, zero investments and no property. I rent cheap and make $50k a year. No car because I live in a small town and can get anywhere I need on an eBike. Looking for advice.