What r/personalfinance keeps coming back to
Complaints raised here by more than one person. One-off posts are not included.
473 recurring problems · 3151 threads read · read since September 2026 · Reddit
Raised more than once here
Most people first.
- 152Is it worth fixing an old car when repairs cost more than it's worth?“I'm trying to decide if it makes more sense to just fix the Mercedes or keep the cadillac.”
- 91How to decide whether to invest excess savings or keep them in an HYSA“I'm curious if I should leave an emergency fund in the HYSA and invest the rest of it in something to put that money to use and work it harder than my HYSA, or just keep it in there for now since I'm working towards buying a house in my early to mid 30's.”
- 79Should I pay off debt or start investing and saving?“As much as I would love to put 100% focus on paying off this loan, I feel like I should have a different approach as to paying it off vs investing.”
- 76HubSpot is down and timing out right now“Their website (and all their systems) have been down for over two months now.”
- 62How to handle unexpected software subscription price hikes and slow support“I uses to use YNAB before they switched on to the subscribtion model, and now i am struggling to find a replacement.”
- 57How do I know if I can DIY a repair or need a pro?“I feel like I’ve been ignoring my retirement and investment accounts because I either (a) have little time to dive into everything; and (b) even when I do pay attention have no idea what’s going on.”
- 57Is it a smart idea to buy a new car right now?“What do you guys think about this situation? Do you think its a good idea to look at a newer car now?”
- 55Why minimum payments don't lower high-interest credit card debt“At 28%, $19k accrues about $443 a month in interest before fees, so a $450 payment barely touches principal.”
- 51I just got a massive cash settlement, what do I do now?“I’m 24 and just received about $612,000 after lawyer fees from a settlement. I’ve never had money like this before, my whole life has been paycheck to paycheck, barely getting by.”
- 45How to pay for unexpected expensive car repairs when broke“My car was towed 2 days ago I had received 3 parking tickets I had no one to help or the money to get it moved since the battery died , flat tire and needs registration it had expired I had called directly the officer that was giving me the tickets, left voicemails to give me a week so that I could try to find someone that could help me get the car moved, but it ended up being told two days ago and I found out that the total amount of tickets is $300 right now not including how much I need to pay to get the car fixed and get it out of pound it is now I don’t know what to do.”
- 43How to handle the financial and identity drop after leaving a career“How much should I allow myself to spend on non necessities if I have no income?”
- 43How to find a cheaper CRM when HubSpot gets too expensive“Problem is QuickBooks is like $300 a year and I'm not longer working 1099.”
- 40Why are teachers expected to be available 24/7?“I'm currently settling a parent's estate while working full-time and I'm trying to figure out the point where saving money by doing everything yourself stops being worth it.”
- 32What funds and allocations should I pick for a new Roth IRA?“I'm working on setting up a Roth IRA with Fidelity, and looking for some input on the funds and allocations.”
- 32How to find a high-yield savings account with debit card perks“Hello, as the title states, I am wondering where I should open a HYSA.”
- 31How to quit a toxic workplace“i'm quitting my job and waiting a month or two before looking for a new one, trying to figure out what financial implications I'm not accounting for.”
- 31Why do debits and credits make no sense?“I was thinking about opening a Capital One 360 performance savings HYSA specifically, but I’m unsure if it’s a good idea.”
- 30When can I safely retire?“Requesting feedback on readiness.”
- 28How to balance saving for retirement and enjoying your 20s“I understand starting young makes a huge difference, but I sometimes wonder where the line is between being financially responsible and not enjoying your 20s.”
- 27How to balance a corporate career with having kids“do i continue the application processes for grad school? Or do i focus on applying to other jobs?”
What this forum worries about more than the rest
How much more often a topic shows up here than across every forum we read.
savings12.8×retirement accounts12.8×mortgage12.8×saving12.8×