January 10, 2025
44 S Broadway, White Plains, New York, 10601
THE FINANCIAL EYE THE MONEY MINDER
“It kills me to see how slowly it’s going down due to cc interest rate.”: I have a large amount of credit card debt and want to pay it off faster. How can I lower the interest and tackle this debt more effectively?
THE MONEY MINDER

“It kills me to see how slowly it’s going down due to cc interest rate.”: I have a large amount of credit card debt and want to pay it off faster. How can I lower the interest and tackle this debt more effectively?

“I have about k in student loans and about k in savings. My loans vary in interest rates from 5.5% to 2.7%.” Do I pay off loans or invest on a k salary in a LCOL area?
THE MONEY MINDER

“I have about $20k in student loans and about $10k in savings. My loans vary in interest rates from 5.5% to 2.7%.” Do I pay off loans or invest on a $60k salary in a LCOL area?

‘We are very cash heavy right now’: Not sure what to do with money. How can I effectively allocate my resources for early retirement and real estate investments?
THE MONEY MINDER

‘We are very cash heavy right now’: Not sure what to do with money. How can I effectively allocate my resources for early retirement and real estate investments?

‘I make around 800-950 every 2 weeks, with 00 left on my personal loan’: College student juggling personal loan, credit card debt, phone bill, and car insurance. How can I fast-track paying it all off?
THE MONEY MINDER

‘I make around 800-950 every 2 weeks, with $9500 left on my personal loan’: College student juggling personal loan, credit card debt, phone bill, and car insurance. How can I fast-track paying it all off?

‘I guess I am just nervous to spend that much at once and dwindle our savings.’: Should I pay off loans in lump sum or use HYSA interest to make minimum payments?
THE MONEY MINDER

‘I guess I am just nervous to spend that much at once and dwindle our savings.’: Should I pay off loans in lump sum or use HYSA interest to make minimum payments?

‘I am leaning to creating an emergency fund first’: Should I prioritize maxing out my Roth IRA, paying off student loans, or building an emergency fund with my surplus income?
THE MONEY MINDER

‘I am leaning to creating an emergency fund first’: Should I prioritize maxing out my Roth IRA, paying off student loans, or building an emergency fund with my surplus income?

“I am not in a position right now to max either accounts. What should I be changing, if anything, in terms of contribution amounts?” Diversifying retirement accounts: Am I doing it right?
THE MONEY MINDER

“I am not in a position right now to max either accounts. What should I be changing, if anything, in terms of contribution amounts?” Diversifying retirement accounts: Am I doing it right?

‘I’m not super educated when it comes to finance/stocks’: I have k in assets and want to start saving for retirement. How can I make the most of my resources?
THE MONEY MINDER

‘I’m not super educated when it comes to finance/stocks’: I have $75k in assets and want to start saving for retirement. How can I make the most of my resources?

“I never know how much my husband makes on any given day, week or month”: Need advice on how to budget for both spouse and myself. How can I create a budget that accounts for his fluctuating income?
THE MONEY MINDER

“I never know how much my husband makes on any given day, week or month”: Need advice on how to budget for both spouse and myself. How can I create a budget that accounts for his fluctuating income?

‘I fear, though, that if I do that, I’ll open the flood gates and eventually drain the account’: Should I leave my trust untouched for emergencies, or use it to make college memories?
THE MONEY MINDER

‘I fear, though, that if I do that, I’ll open the flood gates and eventually drain the account’: Should I leave my trust untouched for emergencies, or use it to make college memories?