Is there still an M1 referral link from frum finance?

I, but not my spouse or children, am on an HSA-eligible HDHP. I want to max out my contributions before the end of the year. I have a few questions: My insurance card shows separate numbers for individual deductible and family deductible. Does that mean that I have a family plan and can contribute $8550 rather than $4300, even though the rest of my family are on other health plans? If my income does not cover the contribution limit, but we are married filing jointly, can we contribute (pre-tax) with my spouse's income?

Who can recommend a great cost of living calculator?

Tonight's a good night to look at the reflect feature in ynab. I somehow spent a lot more many than I expected this year -- but not in debt BH. Also gave more tzedaka than I imagined.

not sure what channel this question would be appropriate for, so... What are the long-term benefits, cons and things to watch out for, for opening new Trump Fund accounts?

I think refinancing for half a percent can make sense. There are options with very little cost. It's also possible to get a shorter term. So, one might be able to replace the remaining 22 years of a 30 year with a 20 year at a lower rate and save two years of the mortgage.

I disagree with the “unfortunately” in this statement by my tax return software

We checked, but unfortunately you don't qualify for the Earned Income Credit because:

    - Your adjusted gross income (AGI) is over the limit for the credit.

For a working child... I tried looking through the threads couldn't find a clear answer... M1 for investing? Fidelity for Daf? Any recommended HYSA? Any recommendations for banking in Lakewood? Also do most people have a linked account with their parents or should it be solo? Thanks.

Has anyone used United Refuah for pregnancy and birth related costs? What was the process? Would you recommend?

Is there a frum finance wattsapp group? It's easier for me than slack.

If you’re like me and are the main driver in your relationship when it comes to finances, I really enjoyed this episode. It definitely inspired me to set aside more intentional time to discuss money and shared goals with my wife. https://choosefi.com/podcast-episode/becoming-millionaires-how-to-talk-to-your-spouse-587

is Ally bank still the best HYSA? Looking for ease of use over highest rate of return

What is the best way to transfer over my betterment accounts (I have one login but 1 investment account and 1 HYSA for each child) to m1 or fidelity?

<!channel> 🎭 Third Annual Matanos L’Evyonim Fund by frum.finance We are thrilled to announce the Third Annual Matanos L’Evyonim Fund! Building on the incredible momentum of the past two years, we are scaling our impact to reach more families in need across even more cities this Purim. Through frum.finance, we aren’t just giving a handout; we are providing a hand up. We currently guide over 200 families, transforming debt into investments, and now manage nearly $50M in investments at no cost to them, ensuring they move toward long-term financial stability. 💰 Make an Impact This Purim Please consider donating: frum.finance/matanos All funds are distributed on Purim day. All donations are tax-deductible via our 501(c)(3) nonprofit. 🤝 Need Assistance? If you would like to become a member of our organization and receive confidential assistance: Join here: Message @ frum.finance/wa or join at frum.finance

“It is better to increase the number of gifts that one gives on Purim to the poor rather than to increase the sumptuousness of one’s feast or the food portions that one sends to his friends.” — Mishnah Berurah 69413

Why the frum.finance Fund? • Proven Scale & Vetting: We prioritize and match funds across key cities to recipients who have been thoroughly vetted by our financial experts. • Data-Driven Tzedakah: We use detailed financial planning to ensure those in the greatest need receive help first, maximizing the impact of every dollar. • Beyond the Day: While funds are distributed on Purim, our relationship with recipients is year-round. We provide ongoing guidance so that, IY”H, today’s recipients can become tomorrow’s donors. • Anonymity & Dignity: We maintain strict confidentiality, strengthening our community ties while ensuring donor and recipient privacy. • Local Impact: Whenever possible, we prioritize matching donors with recipients in their own local area to support their own neighbors. Together, let’s transform lives this Purim. Thank you for your continued partnership and generosity!

Is there a thread for info about life insurance?

Do people buy houses because it truly makes financial sense, or because they feel pressure to buy and manage to squeeze it into their budget? I have over $100k saved for a down payment and earn $140k, but I still don’t feel comfortable going above a $425k home without really stretching. That price point is hard to find in the greater Lakewood area. I also feel like I’m doing better financially than many people my age and stage (mid‑20s, with a husband in Kollel), yet everyone around me seems to be buying.

If you had $6-700k to buy a cashflowing business, what would you industry would you look at? Wishlist includes: As passive as possible No major skill ramp-up Kicks off 150-200k in profits after expenses

And give lots of tzedaka

a bike for a 7 year old boy: necessity or luxury? something that community tzedakah funds should be used for? ❌ -> no to both ✅ -> necessity but not tzedakah 🪙 -> necessity and tzedakah-able

I think that would heavily depend on the family situation

I just called to cancel optimum, I was paying $100 a month.I called with the attitude no matter what the offer I am switching. They offered med $25 a month for a year then $35 for 3 years after that.Such an ofeer I could not refuse

Third Annual Maos Chitim Fund Now Open Following our successful Matanos L'Evyonim campaign, we're proud to launch our Third Annual Maos Chitim Fund. All donations are tax-deductible and directly support families preparing for Pesach through our proven financial planning program! EIN: 86-3171006 Please consider donating: https://www.zeffy.com/en-US/donation-form/maos-chitim--2026-2 Attached some thank you notes from Purim. Thank you to all our many donors!

<!channel> Can you help us reach our maos chittim goal this Pesach?? https://www.zeffy.com/en-US/donation-form/maos-chitim--2026-2

<!channel> Getting close to the finish line! Know anyone who might need the funds? Know anyone that can help contribute to the cause? Connect us! https://www.zeffy.com/en-US/donation-form/maos-chitim--2026-2

Final moments to help!

I'm trying to do a backdoor Roth IRA conversion but gpt is telling me I already messed up and I'm not sure how to best move forward. I contributed 7.5k to an existing tradition IRA I have, which had 40k already in it. Gpt is telling me I needed to contribute it to a new empty IRA account. What happens if I transfer the 7.5k to a Rorth IRA? Will I need to pay tax? On how much?

Is there a point in joining Retire ReadyNJ? Job will set you up with the default Roth contribution and investment options. 3% of your total pay (wages before taxes and other deductions) will be invested in a Capital Preservation Option to start, and after 30 days will be moved to a target date retirement fund based on the expected year of your retirement at age 65. Customize your savings choices and account. You have the power to change your contribution levels, investment options, and beneficiaries. Opt out. Not ready to save just yet? Participation in RetireReady NJ is completely voluntary, and you can opt out and back in at any time.

If you thought paying for tuition was tough, see what your future korbanos obligation is going to cost also! (hopefully tuition will be free then) https://korbancalculator.com/

PSA: Tax scams are on the rise. As a reminder (and tell your parents and others), the IRS will NOT text, email or call you. They will only communicate via regular mail.

Hi, I can use some advice re someone who accessed my bank account, see thread for details