u/claytogether

My employer provides HSA through Inspira Wallet. I just started contributing to it and plan is to max it out for 2026. I know that in order account to stay open, I will need to keep 1000$ in the balance and can invest the rest. I searched the Inspira and found that they charge fee for investment which doesnt make sense so I am planning to wait until I have 1000$ in the account and then open Fidelity HSA and transfer excess amount to Fidelity HSA. If you went through the same process, would love to hear your experience and i wanna make sure this is feasible to do and I want have tax issue later.

My employer provides HSA through Inspira Wallet. I just started contributing to it and plan is to max it out for 2026. I know that in order account to stay open, I will need to keep 1000$ in the balance and can invest the rest. I searched the Inspira and found that they charge fee for investment which doesnt make sense so I am planning to wait until I have 1000$ in the account and then open Fidelity HSA and transfer excess amount to Fidelity HSA. If you went through the same process, would love to hear your experience and i wanna make sure this is feasible to do and I want have tax issue later.

How much do you invest monthly and your age? Was reading the article and it shows median 401k balance is 16k for <35 age.

Ultimate goal is to be certified in advance level for Azure DevOps for CI/CD frameworks.

Current title is Data engineer.

I am planning to take AZ-900 & DP-900 then DP-700 then AZ-104 and eventually finish it with AZ-400. Whats your experience and perspective on this?

How do we keep track of spendings so buffer wont go down? I dont like living from paycheck to paycheck so trying to make sense of the this method.

After forming emergency fund(6 months), i have about 10k left in my balance. I currently have 25k student loan at 5.05% for 10 years. I am currently maxing my Roth and 401k and invest some in brokerage as well. Trying to see if paying off the loan with this money makes sense or putting it in ETFs is smarter?

After living with roommates for 3 years, I finally decided to move out and live on my own(just signed the lease). I still feel guilty somehow as i could invest extra in market but decided investing to peace and quiet is also a choice. Saving and investing is great but also we live this life once. I wanna be able to say I lived on my own and got to know myself better in my 20s. But somehow I still am little scared. Maybe me being out of my comfort zone? Even tho I moved from 1 continent to another and have ocean between me and my family, this little change scare me in a different way. How to get over this feeling? Maybe me being in the constant mindset of I should be investing and saving? As I get older I realize how important is having your peace and quiet. I think maybe I need love myself more than currently to be able to do things for myself without having a guilt for it. Also I question whom do I save all these money for? If i am not enjoying the life then whats the point for all these? Maybe I don’t have anyone to share these so wanted to let it out here.

Whom reads this, can you share your experience how living alone improved your life? What it taught you that you didnt know before? What advice would you give and I should consider?

After living with roommates I finally decided to move out and live on my own. With the recent changes, I will have around 410$ higher monthly expense than normal. I will keep all of my contributions same it is just I want be able to save to HYSA as before. For reference currently my rent is 14% of my gross monthly income and new place will cost me 19% of my gross monthly income. Just trying to gut check. I still feel guilty somehow as i could invest extra in market but decided investing to peace and quiet is also a choice. How to get over this feeling?

After living with roommates I finally decided to move out and live on my own(25F). With the recent changes, I will have around 410$ higher monthly expense than normal. I will keep all of my contributions same it is just I want be able to save to HYSA as before. For reference currently my rent is 14% of my gross monthly income and new place will cost me 19% of my gross monthly income. Just trying to gut check, is this a normal increase? I still feel guilty somehow but decided investing to peace and quiet is also a choice

How does this set up look?

For context I travel at least 2 times a year domestically, my grocery is around 300-400 max, not much dining out. Rest is online shopping and beauty/pharmacy.

AAA Advantage for groceries (5%)

Chase Prime for Amazon online + whole foods (5%)

Thinking of Venture X or Chase Sapphire Preferred for travel

And Citi Double Cash for all other purchases

Should I consider any other cards? Maybe Amex Blue Cash Everyday? Or thinking of keeping it simple and use Venture X for travel + miscellaneous spending as well(online, store purchases)

I started taking investment seriously about 5 months ago. Now I have 40k cash, and 18k in 401k(bumped contribution from 9% to 20%) and 2k in brokerage. Just opened HSA as well( i cant contribute to ROTH IRA due to certain reason but will be able to soon). I am 25F turning 26 in 6 month. Seeing people sharing they hit 50k, 100k, I feel so behind:( I took my life into control about 3 years ago(my family is very abusive so I moved to new country and just getting my life back together). But still I feel like I could have done better. What is the recommendation to change in my current strategy? I am building a budget planning as well to stay consistent with my investments.