I've been with the federal gov't since I was 18, about 10 years. For 3 of those years I was part time and poor, so never thought to contribute much. I realized I really haven't changed much in my TSP profile at all. I have $65,000 in value, with 5% in the G-Fund, and then an even split between the S and G fund (45 and 50%). How behind am I, and what changes do I need to make to set myself up for a better future?
Hey all. Diffused thinner, took fin for 2 years and did not see much of an improvment, though I obviously can't speak to how much it saved me. Just not a ton of regrowth. I started 0.5mg oral dutasteride four months ago, and I feel like I still am not seeing much of any growth. I was just wondering if anyone has experience going from fin to dut like I did, and how long it took for the dut gains to start showing. I am really hopeful this treatment will get me somewhere, at least to a point where I feel like a HT is worth it. Thanks for any advice.
Hi all.
My long-term girlfriend and I just broke up. She is an incredible person and is in the process of moving. With everything going on, and her finances being tighter than mine, I told her I wanted to help alleviate some of the financial stress. She was reluctant to accept it for a while, but told me she would if I felt that I wanted to do it.
I want to give her $10,000 - $15,000. I was thinking just getting a cashiers check from the bank and giving that to her. I don't want her to have to pay tax on any of it (if I sound like a moron right now, it's because I am). Is paying tax unavoidable, or is there a dollar threshold that you are allowed to gift someone without either party bearing tax liability? I appreciate any guidance.
Hello there, posting from the United States if that matters!
I recently inherited roughly $250,000 from a deceased family member. It has been a very tough month but I am finally starting to try and pick myself up and make plans for how to honor and use this money.
A little background: I am 28 years old, currently live with family and do not pay rent, no consumer debt, and no car loan. I have $50,000 in a HYSA and make $110,000 a year in a high COLA area.
I do not have much experience with investing but it seems like that would be of course the best use case for the money. I have also thought about using it to buy a home, but the issue is that I do not enjoy living in the area that I do (lived here my whole life), but do not have any inkling as to where I'd like to move to at this time. I feel tied down to this area because of my job and fear I would have difficulty finding the same salary and benefits if I relocated. The idea of purchasing a house makes me feel very locked in though. In the past, I've enjoyed renting and it sounds like it's becoming a more popular option with how expensive it seems like it is to buy a home.
I'm just looking for any general advice here. I've kind of been thinking my mindset should be to act like it's not even there and just invest all of it, but I'm struggling with where to allocate it. Index funds seem to make the most sense, but again I'm kind of an investing noob. Is it worth talking (and I guess, paying) someone to manage it for me?
I appreciate any help and guidance.