What r/personalfinance keeps coming back to
Complaints raised here by more than one person. One-off posts are not included.
198 recurring problems · 924 threads read · read since September 2026 · Reddit
Raised more than once here
Most people first.
- 63Is 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.”
- 37How 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.”
- 34Why 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.”
- 33How 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?”
- 27How 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.”
- 19Is 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?”
- 19Should 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.”
- 18I 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.”
- 17Why can't I find a job after being laid off at 50+“I’m 25, and I was laid off from my engineering job 3 months ago. I’ve applied to 300 jobs, a combination of remote, hybrid, on site positions. I CANNOT find a job, even for ones I’m full qualified for in terms of skills, experience, and degree requirements.”
- 15How to start investing with very little money“I dont have a lot of money but i want to build a solid portfolio by the age of 20, could someone please advice me on how to go about it?”
- 14How to know if we can actually afford a house“Looking to close on a home, wanting some insight on if we are in over our heads.”
- 13How 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.”
- 13When can I safely retire?“Requesting feedback on readiness.”
- 13How to pay for large emergency expenses without using credit“My house's AC died in July in Texas. That ran me about $16k.”
- 12Used car broke down immediately after buying from a dead dealership“Ok so I have a 2021 r line fwd Tiguan and my check engine light turned on as well as epc light.”
- 12How 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.”
- 12How to handle expense reports without being good at math“I’m looking for an expense tracker that will automatically link to your email or a manual entry where I can add a return to a particular expense and it should automatically track and notify me if it does not appear.”
- 11Is moving to a high-cost area for a higher salary worth it?“I got a job offer of $101k in the East Bay Area(Oakland Area); however for a decent apartment it's going to be $3k-4k.”
- 10How to save money with unpredictable freelance income“I just started a new job, making $900 a month (I know; extremely low). I had just been hired for a second job, making $2,200 a month, until I was let go because I told them about my dental surgery next week (which will take me 2 months to recover from).”
- 10What 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.”
What this forum worries about more than the rest
How much more often a topic shows up here than across every forum we read.
retirement planning14.3×debt management14.3×savings14.3×debt14.3×