Bailey barnsley+Follow“Lessons that saved me from major debt in my 30s#PersonalFinance #DebtTips #PersonalFinance #viral #30sCareerAnxiety #FamilyFirstJob t #FamilyFirst00Share
Dominique Hoffman+Follow$400K Anxiety: Can You Really Trust a Big Raise?Imagine jumping from $100K to $400K a year overnight—sounds like a dream, right? But one young husband is stressing hard about what happens if it all disappears. Reddit chimed in: use the cash as a tool, save like crazy, but don’t let a scarcity mindset take over your life. The key? Live below your means, invest smart, and don’t let fear ruin the fun of your success. Would you worry or just enjoy the ride? #Relationships #MoneyTalks #PersonalFinance00Share
Aaron Ballard+FollowHome Equity Loans: Are They Worth It Now?Thinking about tapping into your home’s value for extra cash? After the Fed’s October rate cut, a $30K home equity loan now means monthly payments of about $289–$367, a few bucks less than earlier this year. Not a game-changer, but every dollar counts—especially with holiday spending coming up. Just remember, you’re putting your house on the line, so do the math before jumping in. HELOCs are another option if you want flexibility, but rates can swing. Shop smart! #RealEstate #HomeEquityLoan #PersonalFinance00Share
brenda51+FollowMy employer only matches 20% of my 401k. What does this mean exactly?I just started a new job and I need some help decoding my benefits package. My company says they match 20 percent of my 401k contribution on a per-pay basis. This seems incredibly low to me. I'm trying to figure out if this means if I put in $100, they only put in $20. I need to know if that math is accurate. To make things even more complicated, they have a tiered vesting schedule that really slows things down. I do not get fully vested until I hit five years of service. Before then, I only get 20 percent between years two and three, 40 percent between three and four, and 60 percent between four and five. It feels like they are making it really hard to get the money. Financial experts and HR pros, I need your input. First, is my interpretation of the 20 percent match correct. Second, is this policy with the five-year vesting schedule actually considered "good" in today's job market or is it a major red flag I should worry about? #401k #RetirementPlanning #PersonalFinance #MoneyAdvice #Vesting #Benefits 916Share
Willie Morales+FollowFinding joy after years of savingSacrificing fun for financial security can leave you wondering if you missed out on life’s best moments. Laura, who saved diligently through her 20s and now has a solid nest egg, is starting to question if it was worth skipping trips and concerts. She’s not alone—many savers hit this crossroads. The good news? It’s never too late to rebalance. Building fun into your budget, even with small steps, can help you enjoy the life you’ve worked so hard for. How do you find your own balance between saving for tomorrow and living for today? #Business #MakeMoney #PersonalFinance00Share
Diane Carter+FollowWhy some experts say skip building creditTurns out, you don’t actually need a credit score to buy a car or even a house. On a recent episode of The Ramsey Show, a Mississippi mom asked how her 17-year-old should start building credit. The hosts surprised her by saying it’s totally possible—and maybe even smarter—to avoid credit cards and debt altogether. They explained how you can rent, buy a car with cash, and even get a mortgage through something called manual underwriting, all without a credit score. This flips everything we’ve been told about money. Would you ever ditch your credit score? #Business #MakeMoney #PersonalFinance00Share
Donald Wilson+FollowMy Parents' Home Purchase Price You Won't BelieveThis was back in 1991 when they made the big move from California to Texas. The whole thing kicked off when a cousin called my mom out of the blue, telling her there was a house for sale and she absolutely had to buy it. My mom was $3,000 short, and get this – my brother's teacher actually lent her the money. It wasn't just a house either; it came with two lots. Years later, in 2009, they managed to build a big house next door, entirely with cash, for $140,000. And, my parents bought their home for just $7,000 at that time. #RealEstate #HomeOwnership #HousingMarket #Throwback #FamilyHistory #TexasLiving #AffordableHousing #PersonalFinance #Unbelievable 1136Share
Savannah Smith+FollowDave Ramsey’s Savage Car Advice 🚲Did anyone else catch Dave Ramsey telling a caller to take the bus instead of buying a car? He literally said he’d ride a bike before ever getting a car payment again! The debate is wild—some fans think he’s out of touch, while others swear by his no-debt mantra. Is Ramsey being realistic, or just dramatic? The fandom is split! #Entertainment #DaveRamsey #PersonalFinance00Share
