US - For the first time in my life I'm not living paycheck to paycheck, but now that I've got a bit of savings it feels like the US dollar and economy is on the cusp of death.

I'm wondering if I should split my bank account into another one that isn't affiliated with the US, maybe even have a percentage of each paycheck go to that one automatically. The thought being to not have all my eggs in one basket.

No idea the best way to go about this, or if it's even remotely a good idea. What do y'all think? Any relatively stable economy to shoot for / ease of opening/accessing an account in a country I'm not physically in?

This is new territory for me - my financial planning historically hasn't gone much past comparing the price tags of 40 lb bags of rice, so... Idk, I have no idea what I'm doing. I have this dread that the income I have now is about to become worthless, and not sure how to protect myself from that.

cross-posted from: https://lemmygrad.ml/post/7687104

What's a way to get SSDI (I think that's the acronym)?

I thought I had it. I put in 10 disabilities which I had and I wasn't lying about any of them. I would honestly never commit fraud, despite my circumstances, and never intend to.

But they said that I "didn't work enough hours."

I'm not sure how to make it go to my credit (Social Security credits, that is).

How many jobs or hours should you work?

I can also give you all the full message through a DM, perhaps.

I've worked, I think, eight jobs in total in the last decade with one year that I wasn't working (during the pandemic). Frankly, I could use the money; I'm trying to get into nursing school, though am getting my CNA first. And I need a car now. I have a Bachelor's degree in Communications, but want to change my career path for the time being.

To be fair, I didn't put all my work experience and there's more that I could put.

Is there

I am a US citizen living in the US (glass it from orbit please) and as the title implies I am wondering if it is possible to move my checking and savings account(s) to a bank that would allow that money to be converted and held as euros. From my research so far it does appear there are some banks that may be able to facilitate this (HSBC, Citi, Wells Fargo), but I was wondering if anyone had any experience with doing so?

In addition to recommendations or general thoughts about the bank(s) I should consider looking at I was also curious if:

• Direct deposits in USD were possible and how they were handled in terms of converting them (does it happen automatically, or is it a manual action)?
• Is it possible to use ACH debiting?

For whatever it's worth in case someone asks or wants to interject, most of my money is currently in my retirement accounts and not in my savings, I have an emergency fund and I won't be doing anything that might harm it.

Regardless of whether what I am asking

I'm curious how you budget as a couple or budget with family. Does one person take the lead and it's their duty? Are you equal participants? Does each person leverage their strengths?

What works for you?

Off course you can handle your expenses. But maybe you still want to know exactly how much you can spend TODAY.

Read on then.

Put aside what you think about this news, this is likely going to happen as the admin doesn't care about legal challenges, they just implement policies.

I own my home, fixed rate mortgage, and I own both of our cars with no remaining payments. From my understanding, should I cease payments on the loan (they are privately owned debts) I can be sued for the debt and then wages garnished. My credit score will also suffer from a default, but again I own everything I have or it's on a fixed rate.

What does this process look like, and what are the tangible consequences for me?

I am trying to make a super cool subscription tracker that can track all your subscription at one place like a google calendar but for subscriptions.

what are some cool features you would expect.

Where I am from my salery is quite okay to be honest. I get about 3700 € after taxes (state insurances, health care etc.) each month but I don't see me affording a car anytime soon.

I pay about 1200 € a month on my debt for my house, so I have about 2500 € left. Another 600 € go away for electricity, water, trash, internet, phone provider etc...

Leaves me with 1900 € left for the month. I'd say I spend about 900 € for food and household supply a month.

1000 € I save 500 € for my house for later. 250 € for vacation (3000 € in total a year) And 250 € for car.

It is going to take me about 5 years to save for a 15.000 € car. I don't know how people buy BMWs, etc. I know I don't earn that much but I need a car somehow my current car is breaking down and I got no money saved yet. Only about 1500 € cause I spent all my money on paving (had to be done) and my emergency saving wasn't enough for the bill of the paving and other work on that area around my house.

I only save since 3 years ca

I don’t have much in terms of investments (401K). I was wondering if there is anything I can do to minimize the impact of the incoming recession on my financial position.

1- What do I do with my 401K? Do I keep it in the same funds or should I look into reinvesting it in different funds? 2- Should I keep an eye out for “the dip” and buy in? What? Market funds? Bond funds? ETF? 3- In terms of stocking up, what’s the best approach? Bottled water obviously, but what else? 4- I am almost done paying off my credit cards. However, I bought a new car last year. Other than looking into refinancing to a lower APR, is there anything else I can do?

Until last year, I never thought much about how to survive the many “once in a lifetime“ shitshows we are seeing and usually rolled with the punches because I mainly didn’t have the financial means to do so.

Now that I am somewhat financially capable –a privilege not many of my fellow countrymen have unfortunately– I want to try and minimize the dam

Hey I don't know where to post this. I can't find a good sub for this topic.

My grandparents died and my mother is respecting the last wish of not getting anything from them and wants her brother to get it all, which is fine, because she is adopted by her parents sister and will get what her mothers sister has (house etc.).

While this should be easy she could refuse, the issue we are now facing is that it will be passed on to me and my sister.

I told my oncle that I would not accept the inheritance if my sister also refuses to.

Now that my oncle also has a property he promised my sister that she'd get it if she refuses to accept the inheritance. Now I talked with him about it because the property is worth about 15.000 €. He said he would give me 5000 € instead.

Now I don't know what to do. My sister says it was rude to ask him for money because it isn't our right to accept the inheritance and that the property has nothing to do with all this it's a gift from him to her.

Well I s

a bit over a year ago, I went through debt consolidation. I signed up with a company that offers me a monthly payment to kill my credit cards and provide me legal representation should I need it. It's been about a year since and they have only shut down some of them. There are 1 or 2 still left open.

I was told not to make any payments on the cards. Let them complain and threaten with collections. This will let the debt consolidators buy the debt for cheap if the credit card companies refuse to close the cards. They have been tanking my credit for months and they aren't closing my cards.

Now I'm in a bad place financially. I lost the job I had at the time I went into consolidation and the current one isn't paying as much. I'm not missing any payments but it's trapping me.

I may need to leave my state for some place safer soon. But I have such a poor credit score now that I cant imagine anyone renting to me now.

Debt consolidation feels like it was a scam.

Should I declare ba

It seems as though the endgame to all of the political chaos we are experiencing in the US is the dethroning of the dollar as the world’s reserve currency. Putting aside for the moment the question of why or whom might benefit from such an outcome, what is the best way to play defense if your wealth is dollar-denominated?

TLDR: meme coin rug pulls, among other issues around centralization

Crypto-believers often blame greedy financiers as the cause of the Great Recession in 2008. But we argue that crypto is not immune to these same risks.

Public blockchains operate on a distributed peer-to-peer network. This network provides each user a complete record of transactions that is updated in real time. Users can send digital cash between themselves without relying on a centralized authority.

Since each user has a full record of transactions, the system promises full transparency. But our research demonstrates that public blockchains, and the cryptocurrencies that run on them, do not actually replace trust with transparency.

Speculation, manipulation and market crashes remain very real dangers, regardless of whether the financial system is centralized or decentralized.

Centralization of power in the hands of insiders is still a major issue in the cryptocurrency space. **This is p

I feel I should get rid of them or stop using them but most have good benefits so I am unsure what I should do. I tried using YNAB but it isn't how I think about money. I really need to stick to my budget but with my partner and child I feel money is constantly flowing out.

• Sams card great for Sams and gas. Free. Only use for the above.
• PNC unlim good all around and free.
• Older PNC card, told not to cancel because it is free for my credit. Only pay utils on it. Not worried about this one.
• Amazon card, 5% discount on amazon for family essentials, free.
• Amex, 95$, good all around, and great customer support.

I'm thinking I should possible cancel Amex and Amazon because they easily add up, then focus on just using my main PNC unlim card. Thoughts on this?

The Amazon discount and Amex purchase protection are both nice but having more than one with so many purchases as a family is stressful.

I don't see any reason to cancel the old PNC card or Sams card. Use around 100$ a mont

I can easily find things like rent, internet, insurance prices, but how do I find things like grocery prices? I honestly don't even know what an average grocery list might look like, are there resources to help with this? my gf and I are looking into moving out, and assuming a monthly income of ~4400 USD and rent being 500 USD, I think we should be okay, but I need to be 100% that we won't be barely scraping by or anything. thank you everyone

I'm putting away $300 a month, my question is where to put it. savings account has basically 0 interest, there are HYSA (high yield savings account) that would give me 3-5% apy, or I already have some money in stocks that have grown consistently 25% over the last year (index funds only)

what would you guys recommend? I'm looking to buy it probably 3 years from now. that way either I've got a fat down payment or I can just buy it cash

thanks