My husband (41M) and I (34F) have been together since we were young. My husband helped support me through my degree, and by the time we could afford for him to go and get his own degree, he wasn't really interested.
Since we have been together, my husband has always worked minimum-wage jobs. He is an excellent employee, very loyal, reliable, and skilled, and has had opportunities for promotion, but has always said no to the promotions as he isn't interested in managing others. I make far more than he does, but his salary does still help us financially quite a bit.
His current place of work is re-locating to a place where the commute will likely be not feasible for our family. Although this relocation is over 6 months away, I don't want to be left with us panicking, so I want to start figuring out the next steps for my husband.
Here's the issue: In the past, when my husband has been looking jobs, he won't apply to very many. He won't apply to anything unless he is overqualified for the job. His number one requirement is for the job to be something that is enjoyable for him. While I agree that you shouldn't be miserable at work, it isn't like I LOVE my job. In the end, I work to support the kind of lifestyle we want.
Can I have some say in the positions he applies for, and if so, how much say? Specifically, can I ask him to start applying for new jobs now? Also, can I push for him to try for jobs that pay more than minimum wage, even if those are his first choices, or is that unfair of me to ask?
Thanks for any advice and perspective!

Asking here to get the insights from people who have studied in UK (locals and foreign students). How do the top UK universities compare to: A. rest of Europe (for e.g TUM Germany) and B. US universites when it comes to standard of education imparted in computer science? For reference, Im an Indian citizen who is considering Europe as well as US for a graduate program in CS/Machine Learning. I graduated from a decent university here in 2020 and have a few years of work experience now(Indian startup + US based MNCs).
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I know the salaries in Europe , UK are much lower than in US but I am still considering UK as it is closer to home and the program doesnt cost as much as the ones in US which are just obscenely expensive now. Here are some questions off the top of my head to which I would be grateful to get some insights on:
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Anyone here who did a graduate level program in CS, ML etc, how was your experience in terms of the course itself - the teaching, the level of depth etc?
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What is the current situation in terms of student visa given for graduate students(Im not sure if this is different to what undergrads get). Ideally, I would like to stay and work there for a couple of years to be able to get good work experience as well as recoup the financial investment I would be making. After completing a CS Msc (or something equivalent to that) how many years can I stay and work in UK for?
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Are there companies in UK which are doing work on latest technologies? Do these companies generally hire foreign graduates?
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Apart from Imperial/Oxbridge, which are the most highly rated universities for an Msc in ML/AI in the UK?

Asking here to get the insights from people who have studied in UK (locals and foreign students). How do the top UK universities compare to: A. rest of Europe (for e.g TUM Germany) and B. US universites when it comes to standard of education imparted in computer science? For reference, Im an Indian citizen who is considering Europe as well as US for a graduate program in CS/Machine Learning. I graduated from a decent university here in 2020 and have a few years of work experience now(Indian startup + US based MNCs). I know the salaries in Europe , UK are much lower than in US but I am still considering UK as it is closer to home and the program doesnt cost as much as the ones in US which are just obscenely expensive now. Here are some questions off the top of my head to which I would be grateful to get some insights on: Anyone here who did a graduate level program in CS, ML etc, how was your experience in terms of the course itself - the teaching, the level of depth etc? What is the current situation in terms of student visa given for graduate students(Im not sure if this is different to what undergrads get). Ideally, I would like to stay and work there for a couple of years to be able to get good work experience as well as recoup the financial investment I would be making. After completing a CS Msc (or something equivalent to that) how many years can I stay and work in UK for? Are there companies in UK which are doing work on latest technologies? Do these companies generally hire foreign graduates?

Asking here to get the insights from people who have studied in UK (locals and foreign students). How do the top UK universities compare to: A. rest of Europe (for e.g TUM Germany) and B. US universites when it comes to standard of education imparted in computer science? For reference, Im an Indian citizen who is considering Europe as well as US for a graduate program in CS/Machine Learning. I graduated from a decent university here in 2020 and have a few years of work experience now(Indian startup + US based MNCs). I know the salaries in Europe , UK are much lower than in US but I am still considering UK as it is closer to home and the program doesnt cost as much as the ones in US which are just obscenely expensive now. Here are some questions off the top of my head to which I would be grateful to get some insights on: Anyone here who did a graduate level program in CS, ML etc, how was your experience in terms of the course itself - the teaching, the level of depth etc? What is the current situation in terms of student visa given for graduate students(Im not sure if this is different to what undergrads get). Ideally, I would like to stay and work there for a couple of years to be able to get good work experience as well as recoup the financial investment I would be making. After completing a CS Msc (or something equivalent to that) how many years can I stay and work in UK for? Are there companies in UK which are doing work on latest technologies? Do these companies generally hire foreign graduates?

Hey guys,
Looking for software if available that can do more than just budgeting.
Looking to be able to put all expenses, loan balances etc., salary,, retirement, current home equity/mortgage balance, investment profile, etc. and set goals such as buy larger home and have a financial plan with recommended savings etc.
Is there a software that does this? If not, is a financial advisor my best bet?

TLDR: Living at home with a bad (imo) father, trading mental health for considerable financial gain. Questions at the bottom about what actions I can take, and how to resolve internal conflict.
My situation
I'm 24M, live at home with my parents - I think this is a norm for a lot of people in my area at the moment, cost of living is exceptionally high and wages aren't keeping up.
I make ok money and could move out if needed, but instead I'm saving about 75% of my income and/or spending it on holidays to see a long distance girlfriend. I recently switched careers so money has dipped.
Family dynamic
Everyone dislikes my dad to some degree. My mom hates him and has for over a decade. My older brother (financially better off, moved out) tolerates him, I assume from a pitying perspective. I think he's an weak, unchangeable person. The succinct reasons for my feelings are:
(Firstly, I was almost never hit with anything, or otherwise physically abused)
[Long list, you can probably just skip]

• Verbally abusive, particularly when I was younger.
  
• Psychologically manipulative, ridicules your feelings, gaslights, redirects blame. There's really a lot in this category.
  
• Constantly arguing with my mom, always about minor things - I have become acutely aware of 'conversational landmines' that my mom is seemingly unaware of.
  
• Constantly negative, there will always be a fault, he will always talk about people we meet in a negative light.
  
• Financially manipulative - particularly with regards to my mom - they evenly split the bills despite vast salary differences (he does own our house).
  
• Financially 'greedy' - maybe this is unfair but he'd always buy himself a $x000 dollar gift for himself and then have no money for anyone else at Christmas.
  
• Controlling - "can you do this for me?" pick up the remote 2 feet from him and pass it to him. "Make me a plan for how you will do your homework this week... or else". Always wants to overhear conversations, does not respect privacy.
  
• Oblivious, in denial, will not change - he thinks he's a good father, he doesn't realise how horrible (from my perspective) a person he is.
  
• Rude to wait staff, customer support, receptionists, foreigners, people who don't speak English fluently, people who have different perspective to him.
  
• Obsessed with status, and perception - will even talk shit about 'us' to build status. Will meet up with random people he has nothing in common with because they're rich lawyers or politicians.
  
• Did not bother to learn: how to be a dad, how to be a nice person, about me or my hobbies.
  
• Impatient...
  

Things that have been said to me, and have been embedded for so long that I don't remember how I felt before they were said.
I wrote such a long list as I am still unable to convince myself that: he is part of the problem, maybe even the whole problem.
Personal impact
Why I'm writing? I need help; I have questions.

• My current approach is to just be uninflammatory during day to day life, or to otherwise have the least offensive, least land-mined conversations possible when I have to talk to him. I would be pretty sad in his situation, with my son, and that makes me feel sad and guilty. Should I feel guilty?
  
• Should I feel guilty about living at home mostly rent free?
  
• Should I try to make progress on this relationship, or just prevent it from exploding? By exploding I mean: being evicted, no inheritance, potentially physical harm to my mom.
  
• Is there anything else I can or should be doing? I have been trying to help my mom to leave him, but she will not.
  
• How can I internally resolve conflicting feelings? Particularly, I would like an acknowledgement of his behavior at some point (even better, an apology) - I have felt gaslit my entire life with regards to his behavior...
  

I’m starting dental school soon. I’m expecting to take out $350k in federal student loans at an interest rate that will average out to 7%. My monthly payment on the standard 10-year repayment plan would be close to $5k monthly. By the time I’m done with school, I’ll be 25 and starting out making $150k. This brings my monthly net income to $9k. I will probably average $200k annual gross income throughout the course of my career.
There is a dental school subreddit, and most there seem to think it’s a worthwhile investment. I’ve invested a lot of time and money trying to get accepted to dental school, so I’m trying not to have that cloud my financial decision making. I knew going in that it’s very expensive, but always thought it was worth it because I enjoy this profession and the salary seems good. The more I look at the numbers though, the more doubts I have.

If history holds true earnings will get us a nice dip, and with positive earnings a really fat dip.
Seems like that's a good time to buy to get more shares that can be DRS'd and booked.
Yes people are going to downvote this saying just buy hold and drs whenever. Yeah that's great and all, but here's how I view it.
The more shares you can buy in one purchase means that's the faster the float can be locked.
You don't think one share will make a difference?
Tell that to the X holders who have been told for 2.5 years that every share counts.
Tell the person waiting tables who gets stiffed on tips that if they can get 5 shares instead of 4.
Think about your floor per share. Sure would be nice to get that much more to do good with.
Tell that to the hedge fund who (from what I can figure over the years) is recycling each share at least 4 times to create synthetics.
Additionally the algorithm has been figured out for some time now. Why that knowledge isn't being used to buy more on calculated dips to disrupt the algorithm is mind boggling. Maybe savvy folks are doing just that. Maybe if enough folks did just that the algorithm can be broken.
I am not a financial advisor at all. You're money is your own to do with as you please. When using your hard earned money it's best you think about the best way you want to use it, and how to get the most out of it.

My research so far has told me that Edward Jones has a bad reputation, particularly for very high fees compared to the industry average. Searching Edward Jones in this subreddit specifically was actually very telling.
The reason Edward Jones initially seemed to attractive to me is because I don't have a background in finance, and they are very friendly towards people who are transitioning their careers. I also have a connection who is a Financial Advisor with Edward Jones who I respect a lot (they can't all be that bad). Anyways, that connection made the jump seem way more doable for someone like me who has always had a personal interest in personal finance and investing, but doesn't have the professional experience to back it up.
I recently moved to Columbia, SC where there seem to be quite a few opportunities with Edward Jones, but I am obviously a little uneasy about it given how much they charge their clients. One of my best friends is also a CFP with Fidelity, but unfortunately Fidelity isn't in Columbia. They're in Charleston, Greenville, and Charlotte nearby. It seems like there are potentially some opportunities with Merrill Lynch and Charles Schwab, but that definitely seems like it would be difficult for me to get into.
What are your thoughts on Financial Advisors as a whole, and/or which institution provides the best services?

Has anyone looked into the FIRE method to finally get out? Are there any fellow teachers that have been able to achieve this? I think I’m getting close. I have 7 units bringing in about $2k/month in cashflow. In order to get to my goal of 5k/month which is what I’m making from my salary now, I would need at least 10 more years.
Is this worth it? Should I just say fuck it and leave. Teaching sucks I hate my job but I’m too scared to leave financially. If I had a passive income I think I could really give myself the chance to be free and live a life I would enjoy.

Hi Redditor’s
Today is an absolutely pivotal moment in my gambling addiction. I opened up to my family about my addiction and told them everything, and they have been nothing but supportive.
I’ve had a history of gambling, but it really became an issue last year when I got a new job with a huge salary increase, and I started dabbling in cryptocurrency.
It escalated from a few $1000 a month, to me blowing 80% of my salary on crypto, maxing out credit cards, taking out loans and getting myself into $80 0000 debt within a year. It didn’t help that I got out of a seriously toxic relationship with a narcissist and this fuelled me further by turning to crypto trading as a coping mechanism.
Today I couldn’t take the emotional baggage any longer. I realised how much this addiction snowballed out of control and starting impacting me negatively in every facet of my life.
I stopped going to the gym, eating correctly, leaving the house, seeing friends, lost my passion to do anything, lay awake most nights till 3am staring at the crypto charts, too afraid to take my eyes off the charts in case they plummeted- and they did every time, every day, week, month. I’d wake up with barely any sleep, consume at least 5 cups of coffee a day, started smoking.
Today I made the conscious choice to STOP. I’ll be going to a Gambling anonymous meeting tomorrow. I’ve told my family I need help. My brother in law is in finance (the irony) and has offered to help me budget and get back ok track. Good news is if I don’t relapse and keep to a strict regime I could be debt free in the next 1.5 years. Well today is the first step out of 547 (goal in days to be financially free of debt), and I understand it won’t be easy. It will have its challenges, and I’ll be tested. I’ll be documenting my journey here.I will do some exercise this week. And tonight I’m looking forward to a good sleep in over 9 months.

I am now 30 and am starting to feel like everything we do is rendered useless when we are alone, especially with the ever-rising cost of living.
I might be earning a 6-figure salary, but it's frustrating to see that even with that income I cannot afford a house in my area. Housing costs are rising everywhere (house prices are decreasing slightly but interest rates are skyrocketing ...). It feels like constantly playing catch-up, it's impossible to save money fast enough.
And sharing the financial burden with a partner is a distant dream. I can't even dream about it since it's so distant from me.
I also feel like making new friends in today's society has become so challenging. Whether it's due to social anxiety, neurodivergence (like b eing on the autism spectrum, which I am diagnosed with), or simply the way our society operates, forming meaningful connections feels like an uphill battle. I often wonder if my situation would be any different if I didn't have autism, but the reality is that it feels hopeless regardless.
I acknowledge that there are others who are in even more challenging circumstances than me. That frustration, loneliness, and hopelessness remain the same though.
TLDR:
Can't have a house, can't have a partner, can't have kids, can't have friends. What the hell am I living for?

Ask your investing related queries here!
The members of /IndiaInvestments are here to answer and educate!
Alternatively, you could join our Discord and seek answers to your queries
If you're looking for reviews on any of these following, follow the links:

• which bank or brokerage to use
• which fund house is more capable and trustworthy
• which investing platform to use,
• which insurance company is reliable

Generally speaking, there is no best stock, or fund, or bank, or brokerage, or investment platform.
Answers are always subjective to your personal needs, but use those threads a starting point for you to look at what other Redditors have to say about a company, product, fund, or service.
You can then ask a more specific question about what product or service to buy, once you are able to frame your personal situation.
NOTE If your question is I got 10k INR, what do I do to get most returns out of it?, or anything similar; there is no single answer to this question. But we will also need A LOT MORE information if we are to provide some sort of answer:

• How old are you?
• Are you employed/making income?
• How much? What are your objectives with this money?
• Do you have any loan, or big expense coming up?
• What is your risk tolerance? (Do you mind risking it at blackjack or do you need to know it's 100% safe?)
• What are you current holdings? (Do you already have exposure to specific funds and sectors? Have you invested in equity before?)
• Any other assets? House paid off? Cars? Partner pushing you to spend more?
• What is your time horizon? Do you need this money next month? Next 20yrs?
• Any big debts?
• Any other relevant financial information about you, that will be useful to give you an informed response.

Beware that these answers are just opinions of fellow Redditors and should only be used as a starting point for your research. This is NOT financial advice, in legal sense of the term.
You should strongly consider consulting a registered fee-only financial advisor before making any financial decisions. Ideally, such advisors should be registered with SEBI, and have a registration number.
Links to previous threads.

I’m in my early 30’s and just moved abroad for work. My company will be paying for my housing, so my only major expenses are food, one car (paid off, just gas and maintenance), and basic life upkeep costs. My base salary is $127k plus $32k hardship allowance (which I think is taxable). I don’t have kids, and COL where I’m moving is incredibly low, so I’ll be able to pocket a nice chunk of change. No debt to speak of.
I’ve never been in a position where my expenses will be so low compared to my pay, and want to take the opportunity to make smart saving/investment decisions.
I already contribute to my 401(k) to max out my employer match, and want to increase my rainy day savings to 30% per paycheck. But beyond that, what should I be looking at? Mutual fund, CDs, etc. Since I’m relatively young and without kids should I be exploring higher risk/higher reward investment opportunities? It’s appealing but I’m a novice and am afraid of making a bad bet. I’ve done some research on my own but have to admit I’m a bit lost/overwhelmed by all the options.
For more context: In terms of financial goals, I’m mostly looking to have a hefty savings account as I plan to immigrate to a pretty expensive country once this gig is over (in 3 years) so liquidity will be important to help me get on my feet. Other than that, main goals are building wealth and being able to comfortably start a family in a few years without feeling too stretched.
Ty in advance!

I’m in my early 30’s and just moved abroad for work. My company will be paying for my housing, so my only major expenses are food, one car (paid off, just gas and maintenance), and basic life upkeep costs. My base salary is $127k plus $32k hardship allowance (which I think is taxable). I don’t have kids, and COL where I’m moving is incredibly low, so I’ll be able to pocket a nice chunk of change. No debt to speak of.
I’ve never been in a position where my expenses will be so low compared to my pay, and want to take the opportunity to make smart saving/investment decisions.
I already contribute to my 401(k) to max out my employer match, and want to increase my rainy day savings to 30% per paycheck. But beyond that, what should I be looking at? Mutual fund, CDs, etc. Since I’m relatively young and without kids should I be exploring higher risk/higher reward investment opportunities? It’s appealing but I’m a novice and am afraid of making a bad bet. I’ve done some research on my own but have to admit I’m a bit lost/overwhelmed by all the options.
Ty in advance!
ETA for context: In terms of financial goals, I’m mostly looking to have a hefty savings account as I plan to immigrate to a pretty expensive country once this gig is over (in 3 years) so liquidity will be important to help me get on my feet. Other than that, main goals are building wealth and being able to comfortably start a family in a few years without feeling too stretched.

Idk if I'm speaking clearly and I'm just quickly rambling rn about my experiences.
I just wanna be quick and tell my story. For a short description, I have been suicidal for a long time with barely any accommodations for my undiagnosed Autism, ADHD, and PTSD. I'm also a bisexual man
2 months before January of this year, I had my accounts hacked. My facebook accounts were disabled and every time I tried to make a new one, it was disabled, until I found a way to bypass it. My suicidality went from passive to active as I tried to get my accounts back, sending online letters to American attorneys general. I felt really sick because all my memories, messages, and connections were cut off and my facebook account was the only thing I had to keep me sane and connected to my friends and favorite groups. I hated it so much because my routine was so disrupted. I cannot read any previous messages, continue where I left off with my friends, etc.
Fast forward to January, I got my facebook accounts back and felt not only refreshed, but freed from all my burdens. I felt practically so happy especially because the day after, XG released their two songs "Shooting Star" and "Left Right", and those songs were a sign of hope. I learned about how my efforts were not wasted.
However, things started getting muddy a month later. My A51 Samsung phone started malfunctioning because there was a problem with the hardware. I ended up feeling sick when my phone was eventually broken to the point that the board had to be replaced. As a replacement, my dad gave me back my A50 phone, which made me happy. He has an Iphone 11 IIRC, but he kept the A50 phone when we traded phones because my account was disabled. In March, I also decided that it would be great to work with my family 500 pesos a day in their project management firm. Right now, all my salary has would have amounted to 10,000 pesos. I'll get back to that.
Eventually, things took a sharp turn for me. My A50's screen turned purple until every pixel died. I have to admit, I was clumsy with my phone too. I hate that I lost both my phones because they were my best coping mechanism. I know some people may view me as being shallow, but having a decent, updated phone is actually crucial for my comfort. I can use apps in their most updated form and what I wanna do from watching to chatting with my friends is streamlined most efficiently. All I could settle with is an Iphone 6 from my oldest brother that'll be rendered obsolete for this year.
Besides that, all the work I've done has resulted with no pay. I cannot pin the blame on my family either and I understand. My dad and his client for a certain project had differences, so the project with the client was eventually discontinued. I have not received my 10,000 pesos yet. Not only that, but my whole family's experiencing many financial issues with only my 2nd older brother being our primary source of income, my oldest brother getting a sales agent job (or working towards it) recently, and soon to be paid. Later this Monday, I just hope my dad wins the bidding so he can have another project.
I know I should just look for a job, especially during my waiting mode before I attempt to get back in college, but as a transferee to my dream college. However, it's hard because I can't get my other job requirements. It costs money to get my other documents too. I also couldn't function until I get my college application processes done either and just feel hopeless.
I don't even feel like I have any true friend groups anymore and can ever be my truest self to my current friend group and even my previous friend groups anymore either. I've grown emotionally apart from them in some way and I've not told them yet. I struggle to make new friends too because I can't go out and I don't really have any way to meet new people online because I'm with a lackluster phone that I have no password to the apple ID to get new apps, especially bumble to meet new people and have new friends. I also barely have any allowance money to go out and meet new people either because again, my family's in a dire situation.
As much as I'm glad that I've not been actively suicidal, I'm still passively suicidal. It's always been like this. I know that I can do everything to minimize the harm my suicidality does to me and I also hate the idea of people "saving" me. I like being the person saving myself as a suicidal person, but it still means a lot when other people do hold my hand as long as they're not patronizing or whatever. Then again, I don't think I'll ever be cured of my suicidality because I've been really traumatized by my upbringing and keep losing many great things.
I wish I could be reborn into a world where my needs are accommodated for, be supported, and be a magical, amazing human being that I always wanted. But I fear this reality I'm in is not the reality where it'll be realized.

Looking for some advice here. Here's the backstory: About ten years ago, my STBXW and I met overseas and moved to the US. We got married quickly for her visa, but it wasn't a real marriage. We agreed to marry later if we both agreed. Despite having evidence and witnesses, it doesn't seem to matter in California according to the family law attorneys I consulted.
Fast forward five years after our marriage, my ex backed out of our mediation process just as we were about to start. She pressured me to leave our apartment while I was on a family trip. Now she has hired an expensive lawyer and is seeking community property division, attorney's fees, and support, which is a complete change from what she was saying just weeks ago.
I feel betrayed and sick to my stomach having to give away a significant portion of my net worth and face financial burdens for years. It would be different if we had a proper wedding, but she denies we were ever really married. I cared for her, helped with her citizenship, went through therapy, and more. I thought she was my best friend, but now I see she was just using me and manipulating my kindness. She claims I was "financially abusive" because I didn't let her control our money, even after our separation. In reality, it was me refusing to move to an expensive area and buy property when she wasn't interested in working on our relationship.
Every morning, I wake up panicked about the impending financial setback. I'm 33, have no kids, and earn a good salary in tech sales, although it's been tougher lately. On top of that, I'll have to pay her a significant portion of my future commissions (around 20-30% pre-tax). I also have elderly parents to take care of, which adds to my financial responsibilities.
How can I cope with this crippling financial setback? It's overwhelming, especially combined with the feeling of being deceived and betrayed by someone I trusted so much.