The Situation I'm 45 years old, but when I was young, my mother established a number of IRAs for me, but I've come to realize they were IRA certificates. There are 15 of them, ranging in value from $1500 - $4000. Most are 60 month IRA cer...

I started loading info into my FaithFi app to use the envelope system. When I started with my main financial institution, my savings and checking connected fine. So did a personal RV loan. But my visa card and auto loan did not connect. Did...

I have been using this app since Mvelopes shutdown, and it has been driving me crazy that my funding plan dates don't align with my pay dates. Have anyone figured out a strategy so you don't need to manually have to change each date of an e...

Hello, I am in the process of buying property to build a home. I am currently living in a condo that I have owned for years and the HOA insurance continues to rise and it’s making it unaffordable to stay here so I am looking at buying this ...

I'm considering looking into selling my term life insurance since I really don't need it. I don't have dependents and feel I'm just wasting money each month. How would this work and are there tax drawbacks to be concerned about with the IRS...

Hey guys! Testing out FaithFi. Having issues trying to figure out how to format some things. I use my credit card for everything and pay it off in full each month. I make regular payments on it each week just because I don’t like seeing the...

I am looking for a course we can use in our church that is a Bible-based approach to finances. I know many people use Financial Peace University, but what other options are there?

Thanks!

If someone retired April 2023 and worked up till then and retired, do they still need to file tax this year?

Good morning, friends! My girlfriend told me that I can do a will online and get it notarized, and that's a legitimate document. Is that correct?

I'm 64 and my wife is 62. Both of us have 401k from our work place. Can we open a Roth IRA in addition to those accounts? Or there's a limit for retirement accounts? Thank you for your help...God Bless you.

Does anyone know where to go to look for scholarships?

During December 2023, I made an after-tax contribution of $103 to a traditional IRA at the advice of my retirement plan advisor. After researching this transaction, I learned that mixing pre-tax contributions with post-tax contributions wo...

We’re getting $3300 from insurance toward roof repair. Replacement would be $10,000. 401K is on track. No debt except mortgage. We have 11 months emergency savings (about $38,000) which is where the $7-8000 would come from. If we repai...

Does anyone have a recommendation for identity theft protection?

I have a mutual fund in a Roth IRA. But I don’t know how to buy individual stocks. How do I do that?

Hello everybody. Does anyone know a good financial book for boys around 11 years old? There's no course or teaching at school and most of the kids finished school and graduated having no Idea about how to handle their finances...

I just heard about stock splitting. Can someone help me understand what that means?

I recently inherited stock from a irrevocable trust. Some of the stock has increased significantly from when it was purchased. How will capital gains/loses be figured? Is it the original purchase price or stock price at time of inheritance?

I heard Rob recommend a mortgage company on the radio program one time but I don’t remember which one it was. It was an online company. Does anyone know what company they recommend for a first time mortgage?

I have two institutions where I have high savings accounts (synchrony and SmartyPig). And I can’t get plaid to connect them. Can someone help me?

I ended up owing into Federal taxes this year so I decided that I was going to do a new W4 with my employer. I went on the IRS website and used their estimator tool and it's saying that for next year I'm going to owe $990. On the prefille...

I understand that to have your investment/retirement accounts managed by an advisor you will pay fees. I'm wondering though how those are paid. If I have an advisor who charges 1% on my investments that total $500,000, would the $5,000 in f...

Good Morning I need an answer please. I’m drawing disability social security and I need to know how much I can make at my job please. Thank you so very much for your help, Theresa.

I am seeking advice or a referral to help my fiance and me go forward in the future. We are both widowed.

We are both professionals with income, savings, retirement savings, etc. We both own our homes outright and neither of us have debt...

Hi, my husband and I both have individual Roth IRAs. We are currently only able to contribute $100/mo in each. Would we gain more in interest by putting $200/mo into his acct (his has more principal invested) and none into mine, versus the ...

Easy question, when Rob says we will need 2 to 2.5 million before we can consider self-insuring for long-term care, is that per person or per couple?

I have about 20,000 in savings and 8000 in credit card debt. I pay about 500-1000 per month on the credit card to pay it off. Should I use my savings to pay of the credit card rather than keep trying to pay down the credit card balance?

I’m trying to find a CERTCFC in Richmond VA area and cannot find where to add a zip code to locate someone there.

My husband is 81 years old. I am 63. We own our home free & clear. However, he had a stroke last year that left him disabled. There are repairs needed in our home. I can't afford them because I am paying out of pocket for extra care for my...

Good morning, friends! I need a will for my family. A friend told me that I can do one online?? Any suggestions would be greatly appreciated.

I'm having trouble with the Faith Fi app on my android phone. It does not open properly. I uninstalled and reinstalled the app but when I try to sign in, it just keeps spinning. Please advise.

Financing a newer vehicle is making more sense to me lately. Talk me down from the ledge.

Over the weekend I purchased a used 2013 Toyota Sienna Van with a co-borrower and the vehicle is a great vehicle and I know it'll last awhile if we take care of it.

We were there for awhile and the sales guy seemed like he wanted to pus...

Long story short -

January 2023 we gave away a great car to a family in need. Bought a used truck with a loan.

Fast forward to now - it has felt like a money pit. We’ve invested between $4000-$5000 in repairs and feels like it will be a...

I'm a FC working with a client who is in a position to pay off an evitction that is in collections. The total is $13k, however $6,200 is the rent. How much should we offer the collection company to settle this evitcion; she has $4,300 cas...

My wife inherited money from her aunt's tsp. I know she can move it to an inherited retirement fund and not pay taxes but she was told she could withdraw $7000/year tax free. What is the best solution to avoid penalties? She just wants to w...

I got a letter in the mail from Arvest Bank and they offer a Balance Eraser loan. They offer a loan from between $2,500 and $30,000 at a fixed APR between 7.99% and 20.99% depending on your creditworthiness. It is to pay off credit cards wi...

We are retired and our retirement savings are primarily in the stock market. I've been seeing posts elsewhere that "Big Money People" are pulling out of the stock market and putting their money in interest bearing account or bonds. The supp...

Where is a certified kingdom advisor in Goddard/wichita ks?

If i’m 45 years old and want to set up my 401k differently from all pre tax to both pre/post tax, how can I figure out the percentage to both? I hope I’m explaining/asking this co...

My brother is starting a new job and is wondering what he should contribute, and how much should be in a Roth versus a traditional 401k. They match 50% up to a total company contribution of 7%. So if you put in 14%, they would put in 7%. He...

Hi Just turned 65, I am continuing to work full time, w/ Full Employer Health Insurance. Do I need to do anything w/ SSA / Medicare to avoid penalties?

Is it possible to search the app for transactions? For instance, I am looking for a Walmart receipt and I don’t know which category I put it in?

Greetings!

I would like to establish a HSA. But the current employer does not have it. How do you go about doing this even though it's not offered through the employer? Would love to hear anyone's experience with this!! Thanks!!

Is the new Bible Study available yet?

My mother-in-law wants to give my wife some money as part of her inheritance (around $34k) now to prevent any future issues when she is with the Lord. Does my wife have to pay taxes for that money?

Hi, we are turning 65 this year and had worked from Canada for 12 yrs. We have RRSP acct. there. How can we use to pay that Money to our Bills here in USA. Hoping we can pay off our Mortgage before retiring in 2 yrs? Any recommendations whe...

Hi, I messaged a few weeks ago about how to leave a company that offers stock options, and be able to take them with. This company has not gone public. The paperwork included for the stock options doesn't give any direction. Does anyon...

My 13 year old daughter asked, “if someone dies with no surviving family, what happens to their debt?”

We have been trying to invest in real estate in FL but prices are very high. Any ideas on other real estate investment options?

Where should a surplus of funds from rental income be invested. Some of it are reserves for taxes and repairs.

My financial advisor recently moved all his clients accounts including mine to the Altruist app. Does anyone know anything about Altruist and should I have any concerns?

I have changed the envelope name and it shows the new name in all places except when I display the page to view the transactions in that envelope. Does that make sense? And how do I get it to change that name on that page.

I have given it a few days, but I am not getting any new transactions from my bank into FaithFi? Can you help me with this?

I have a 401k that I need to rollover into an IRA. I’m trying to decide between an online Fidelity account or a Schwab online account. Fidelity seems to be a little more user friendly but Schwab has some nice features as well. Does anyone h...

I am planning my will. If all of my beneficiaries are Christians and have left with the Rapture, who do I designate my estate to? I’d like to leave it to some favorite Christian ministries - but wouldn’t they all be gone, too? There would...

I bought a used vehicle from a dealership last December and financed a small portion of it through the dealer. I had excellent credit (800+) when I did so, but the interest rate is still 9.5% on a 5 year loan. Are there things out there tha...

My son is in prison right now when he was out here with me. Me and him was drawing social security disability then he got sent to prison for 10 years. My question is. his counselor said when he gets released from prison he have to wait for ...

So, first post, sorry if its a long message. I'm 26, a little over a year into a new way of life, and have fed my relationship with God heavily over the past year. In about November of last year, I made a bit of an impulsive decision. I f...

https://www.faithfi.com/certcfc

Do the tax repayment organizations really help with working out arrangements with the IRS with back taxes? Are they scams?

How do I record transfers from one bank account to another? I see how to record a transfer from a bank account to a credit card, but that is it.

Can my wife and I use the same account even though we would log in on two different phones?

Hello, I am trying to setup my Apple Card and track it. I set it up as a manual account and made a .csv which uploaded correctly. The .csv included last month's payment of $143. When it was done uploading the transactions, it showed a balan...

Hello!

Does someone know what happens after the 0% APR promotion ends? I think I heard if the balance is not paid before the promotion ends then all the interest will be added on there? Is that true?

I am 66 , divorced, working and not taking Social Security. I built a small home last year and owe $200,000. My payment is $1100.00 and I add $500.00 to the principal each month. I have $15,000 in an IRA, and $75,000 in a Charles Swab Accou...

I read an article on paying off credit card debt that talks about making 2 payments a month instead of 1 monthly payment.

Basically split up what you have been paying monthly and make 2 payments instead.

Ideally pay every 14 days. After 1...

Does anyone know - If i received a 1098-E for student loan repayment, but my adult (filing single) child is repaying the loan, claim the interest on her taxes? Can I just pass the 1098-E off to her?

Hi, me again! I apologize. I am trying to get up to speed on methods I used when I was on spreadsheet. One of those issues was setting aside funds for future expenses. Car insurance is a good example. Every six months I need to pay my p...

I am a new user to the FaithFi app. I have budgeted for years on Excel. After a transaction the corresponding envelope is charged and where and how does the off setting transaction go in order to save aside the funds for the payment due d...

My husband would like to move on to another job in his career. The company he's at now is privately owned, and my husband has stock options. Please direct us on what are our options for leaving, but not letting go of these stock options. ...

Hello, My husband and I are trying FaithFi for the first time. Is there a way to change the order of the accounts displayed? For example, I connected the credit card we use most often first. When I connected a second card, it put that card...

Hi everyone I got a question about me and my fiancé future married couples benefits and tax returns/ financial need. My fiancé has a disability and she gets money from the government. if I married her they will take away her benefits and g...

I have a question about my topic…. If I were to transfer brokerage accounts (from cash app to Robinhood) is there a fed tax on transferring accounts?

My husband is retired with adequate funds for us to live on currently. He has a couple small part time jobs but all those funds go into savings with the thought of investing. We have no debt. We have good health insurance. We have $50k in...

62, $175,000 in roth/401k. 100% in stocks market. No one can predict the market, but what does wisdom say about getting out of the market before this recession hits? Thx

How do I convert a manual account to an automatic one?

When is it time to stop life insurance? My husband and I are 72 years old. He has a 10-year, level premium period term life insurance policy that will end January 2027 when he will be almost 76. Current annual premiium is $1,471, and the fa...

Hello my name is Chip my retirement question is. If I retire from my current employer at 55 and take an early withdrawal from my 401k, does that mean I can no longer earn an income from a different employer?

I have a RothIRA with vanguard that I have had a little over a year. The money is 100% in short term investment making 5.2%. It hasn’t made much money since the account was opened. I don’t know anything about investing and don’t know where ...

I use an offline podcast app (BeyondPod) and catch as many episodes as I can, but don't get to all of them. I was listening to this episode today, "6 Signs That Money Is An Issue In Your Marriage". I really wish more Christians and even non...

Hello! My name is Ron, and I am wondering if anyone can assist me with an answer to my question. I am 41 years old and wanted to potentially invest in annuity fixed rate However I was Trying to find An annuity that would allow me to Contin...

Briefly I am 70 years old and married. I currently unfortunately have 2 whole life insurance policies from 2 companies. With one company my premium went up in 2022 and with the other company my Whole Life Insurance Policy will expire in Ja...

We're in our mid-60s and have never used an on-line bank. However, the APY at our current brick & mortar Credit Union is not very attractive so we are considering a switch. What on-line banks would you recommend?

Are any promotional materials available for upcoming the new study (e.g., a book cover)?

I loaned (invested) $9000 to an individual, wrote him a personal check made out to him and not his business. He gave me a promisory note that identified his business as the guarantor. My total balance with him has grown substantially and I...

I currently have health insurance coverage through my husband’s job. The company I worked for last year offers health insurance but I didn’t avail of it since I get my health insurance coverage through my husband’s job (employee + spouse) b...

I lost my business in 2022 due to Covid restrictions on operating businesses and accumulated a lot of debt. I now have a job making a small salary. I already have a second mortgage to pay off business debt. I can not make the payments to ...

Would you say if everything is equal that either one of these ways (LOC / HEL) would be good for a business startup?

We have a budget and emergency fund with high yield savings. Also 2 small Ibonds.
My wife and I are both 30. Wondering what the best way to put some aside towards retirement with near 0% risk of loss while having decent interest. Any thou...

My daughters estranged husband has requested that she apply to release him as a consignor on ~$40,000 in student loans. She has custody of their three children and worries that by releasing him she would put herself and the children in fin...

How can I start giving to my church?

I know to keep any receipts for funds claimed on taxes. But in the 3 years of paperwork we should hold onto in case of a tax audit, what statements/receipts can I get rid of? Utilities? Home repair? Gas? Groceries? Prescription? Cell phone?...

Under each of my transaction is a small notice that says that that entry is “unassigned”. How do I assign it?

I have always been a SAHW. Now that our kids are grown, and my husband receives disability I'd like to start some side hustles to earn extra money to spoil the grandkids, and pay for extras. How much can I earn without jeopardizing his tax ...