What is the best way to increase income when employment is limited due to disability? Already receiving SSDI. Struggling to make ends meet. Age: early 30s.

please explain the difference between a qualified and a non qualified annuity.

Hello, can you please give me a good advice regarding cancelling credit card. I have 2 credit card companies that I have not been active with for a few years and zero balance. I would like to cancel my credit cards. I am hearing different kinds of comments that it is not safe to cancel the card as it will affect my credit score. I am trying to avoid unnecess...

What are some good questions to ask when interviewing financial advisers?

Is it wise to pursue refinance if you are eligible to remove PMI but really can’t afford the closing costs?

I am relocating and have found a new church home. I want to also continue my tithing to my current church home to because I want to continue to support the vision. How can I do that?

Good Day, I realize I am writing this question out of a position of being blessed. My wife and I have some extra cash that we can put into a savings vehicle for a few years, though we don’t want to invest in a volatile asset. Given that, I am curious about an I Bond, with its 6 month 7.12% interest. I have already purchased $20k in I Bonds this year; I ...

What technique should I use to choose which funds to withdraw from to complete my annual RMD requirement?

Hey everyone, just looking to see if I can find an accountant that can help me set up our LLC. I’m looking for a God fearing accountant that is very knowledgeable and will steer us in the right direction. Any help on this matter is a huge blessing. Thank you. Rick Stockwell...

How can credit insurance be cancelled?

Hello everyone, I am currently in the process of opening a Roth IRA for retirement, but according to the research i have obtained I can only contribute $6,000 per year (im 26 years old). I would love to be able to invest more than 6k a year, what is an alternative retirement plan i can take in order to not be penalized for putting more than 6k? Is buying ind...

Hi, I just got my 401k and 403b out, equaling 50k. I paid the State and Federal taxes on it already. I was wondering how much more I would have to pay in penalties at tax time. I plan to use the money for my sons college expenses, I already paid the spring semester of 6700$ out of it....

I remember buying the Pro subscription around this time last year. But I can't seem to find any information on renewing for 2022. How can I renew? Also, do my envelopes automatically reset for the new year or do I need to reset them manually?...

Hi. How do I know which Robo advisor is good for me to invest in?

Any thoughts on cryptocurrency as a small diversification?

Is there a way for a foreign missionary to organize two different currencies in this app?

Hi all. I need advice. If my spouse is not tithing like we agreed, would it be ok if I did my part and still tithed off my check? I believe that I should. My spouse isn't apposed to me tithing either. When my spouse took over managing the bills & budget, tithe fell to the wayside despite my verbal request that we don't stop. I've even threatened to just do ...

I have been working hard to pay off my house. Now my parents would like me to move back home with them to help take care of them. They live in a different state than I do, I would have to sell my house and move there. So first I could use any advice on selling a house. Secondly, since I will move in with my parents and not be buying another house right away,...

Hi I am new here and trying to have an advisor to help me get out of a share I got myself into

What is your opinion on kikoff for building up credit score?

What is the best way to setup a savings acct for a ten year old ? Thanks

Asking on behalf of a family member: What are your thoughts on investing in silver coins? How volatile is this relative to investing in a retirement account such as a 401k or 403b?

How much will be taken out of my pension in Tennessee?

Thoughts on the "all in one" mortgage? Is this better than a traditional home refinance?

Hi. How can I invest $20K for my mom’s retirement. She doesn’t have any savings any other emergency savings or 3 to 6 months on the side. we sold our house in Europe that I grow up in it and we have $40K. 20k for me and 20k for her. She is asking me how to invest her money for retirement?. She is 56 years old. Thank you....

I have a free consultation scheduled with a CKA certified financial planner in my area. I am worried that we don’t have minimum assets for them to be interested in working with us long-term. What is the typical minimum amount that a CFP wants invested? Is there a guideline for example use a Robo advisor until you have greater than $100,000 in an IRA? Will i...

Will I be able to send money between my accounts. I have a few credit card and bank linked to my MW. I want to be able to send money between my credit card available balance to my bank account to pay off some bills. Will that be possible with MW, and if so when do I expect to receive funds to my checking account....

I have an opportunity to participate in my company’s employee stock purchase plan. I can “buy stock” at a discounted rate on a quarterly basis beginning in 2022. I already maximize a 401(k) with the company match. Is this something I should consider? What else should I consider in advance of ESSP?...

I am at my full retirement age so eligible to take my social security but I am planning on continuing to work. I am currently receiving widow benefits social security which is about half of what my own social security would be. Since I plan to continue to work for now should I continue with the widows benefit or should I take my own benefit and put in savi...

What are some acts of generosity that you practice during this season? We put together a list of some of our favorite ideas that you can check out in the 25 Acts of Generosity article and podcast.

It is very popular to participate in real estate public auctions as a form of investment. Is this biblically ethical? Sometimes the houses have been taking from families that struggle with different situations, from divorce to sickness. I would like to know your input regarding this matter....

My budgeting process uses several accounts set up for different purposes. Often it is helpful to to transfer money among accounts without requiring both sides of transactions to be assigned to envelopes. Seems like this should be easy but I haven’t yet seen a way to do it. What am I missing?...

Is it possible to split a single transaction between two or more envelopes. (e.g. $25 for groceries and $25 for a Christmas gift on the same trip to Wal Mart)?

How long do I have to wait for transactions to appear automatically on Pro?

Just got started…when I selected add bank account option I was offered pro for $6.99 mo. Can I link accounts, two cards and track for free or must I pay for this service? I know they need to make money. ***** What would Rob West say about paying someone $7/mo to help track and better manage money were it not his site? ******* HELP and thank ...

Is there an easier way to see older transactions other than the "view more transactions" button? I needed to look at a transaction from February and had to repeatedly push view more. The search button was not helpful

Can the money-wise app synchronize across two mobile devices?

I am using connected accounts in MWPRO and I don’t have a “plus” sign to manually add a new transaction. The guides show I should be able to do this but something is missing.

Any idea why my bank account doesn't update daily? Can I force it to update?

How long will it take for my credit score to come back up after am account is closed? I hadn't used the credit card in awhile so they closed it.

I’m receiving a large settlement of about $75,000. I’m planning on using it for a down payment on a house and then selling my current house. I currently do not owe any money on my current house. I’m wondering if there is a way to invest this money for two years until I need it without being locked into a 401k or IRA where I need to be retirement age to us...

Several weeks ago I tuned in to Money Wise Live in the middle of the broadcast. Rob West mentioned Timothy Funds or Timothy Plan and investing according to conscience in answer to a fellow's question. I'd like to listen to the whole podcast. Does anyone know which podcast it may have been?...

Hi, Could you please give me an understanding if I should contribute to both 403B and Roth or either one. As far as saving money now for my family and kids as well as saving for retirement, what is your advise? I listen to your broadcast on Moody radio. God bless your ministry....

After paying off a mortgage what tax implications should be considered. What are the pros and cons of paying off a mortgage early? In addition, what if the home is a rental property? Tax advise welcomed!

Would it be more beneficial if the funds available calculator in the MW app subtracted the absolute value of the balance of each group; just in case one number was negative and inflates what you think you have available?

Would using dividend funds instead of bonds be a good way to hedge against a market correction for someone in their thirties.?

It was on 8-19-2021 show notes emails for satisfaction from big business. I don't see Show Notes yet. I am new to this site.

I have a question that I been pondering on but not sure of how to do the investment. Is there a way to invest according to Bible prophecy. I know in the very near future that there will be a One World Government and by it will be a One World currency. How are we to invest when that happens. As you see there is Bitcoin and other currency that is heading to a...

I have an 18 year old and would like to help her build credit. What is the best way to go about helping her?

I’m brand new to this app but past MoneyWise computer program user years ago. I can’t figure out how to enter , schedule and find my envelopes for my paycheck tomorrow. Is there a tutorial or anything? I heard about this on the MoneyWise broadcast tonight and I’m so excited!...

Hi I just started renting property. Do we tithe on the income from renting to someone?

I keep seeing YouTube videos advising against keeping money in the bank. Is this good advice? What other better alternatives are there?

I enjoyed listening to the interview on Friday’s podcast episode, Healthcare Open Enrollment with Lauren Gadjek. There was one reference to the individual mandate penalty that deserves a brief elaboration. While it is true that at the federal level the penalty was reduced to $0, there are a few states that separately impose a penalty. For example, I volun...

I will start as a Department of the Army Civilian soon. I am 60yrs old and I have a retirement plan already in place but I plan on contributing the maximum amount in the TSP. How can I wade through all the options and invest in the best one for me?...

My husband and I run our own business we are 28 and 31. We have 6 employees and 2 of them are full time and have been here longer then a year. The 4 of us want to set up a retirement account for us. I want it to be with a faith based company that have the same values as we do. I’m just having a hard time finding a company or person that could help us in doin...

I have a friend that made some bad choices when she was young. She has about 3,000 dollars worth of doctor bills that she is currently getting sued and are about to put a garnishment on her paychecks. Her credit score is around 560ish My question is with that being on her record now will she ever be able to apply for a house loan? If so how long before she c...

I just started using this app and I love the way it manages my accounts and categories. I am anxious to see the first reports generated from this and I wonder if there is a feature that allows me to print out reports periodically?

I just got this app. Want to use it to help us track our spending so we can create a realistic budget. What is the best way to get started?

I have $2000 I would like to invest for my grandson who is 5 but not in a college fund .. any suggestions?

Do you offer any app workshops on evenings or weekends? I would like to attend some workshops, but I can't in the middle of the day.

I am 64 years old. I am on Social Security. My question is," I want to get a debt consoldation loan. Will this hurt my social security check? Is this considered income when paying down debt?

Hi my husband and I owe 100,000 in student loan. We bring home 160,000.We want to pay it off by dec 2022.Is it something that is doable or sounds unrealistic?Please help.Thank you

Hello! my husband and I want to make our will. Is there an association we can trust? And not so expensive.

Hello, I listen to my local Christian station every morning and always hear about Moneywise. I would like to create a budget to help payoff debt, including taxes, credit cards, auto loans, and ultimately our home. Is there a group where I can say here is all my income, here are all my debts and someone can help set up a plan?...

I’m 58y/o and single. I include my 2 eligible children on my health insurance (22 &23 yrs). What are the pros and cons of using an HSA vs FSA. I’m healthy and so are my children. I use insurance for preventative procedures and annual visits....

My 19 yr old is heading to bootcamp in a few weeks. I would like to set up a basic retirement account to start him off saving early. Any suggestions?

Hi everyone, is buying gold a good way to diversify my savings/retirement? It seems like it's a pretty safe bet. Thanks!

I was wondering if is a good time to refinance, I bought my house six years ago for 148,000 interest rate 4.7% I currently have a PMI. I would like to refinance to withdraw money to fix my house or to lower my payment so I can fix my house. Please need some advice...

I have 2 rental properties. How much "emergency fund" do I need to have for rental expenses. I own these free and clear.

I can edit name of an envelope but can’t find the way to change or edit name of an entire envelope group or delete the group. Is there a simple way to do this?

I have young teenage children and wanted to introduce them early in life to investing. I thought there was a pod cast on investment options for the young. It was low risk and simplistic options to shown them the power of investing.

I’m working with my financial advisor to build and diversify my portfolio and I’m looking for recommendations on Christian-focused funds.

Just updated iPhone app and it’s stuck on logo screen

Is there an issue with Chase Bank feeding in to MW. I have changed my Chase password, deleted the account and tried reconnecting but MW still doesn’t connect. Thanks

Is anyone aware of a way to give money anonymously to family. I am aware of the sage advice regarding why it might need to be anonymous and making sure to not be supporting bad decision making on the part of the recipients. Just really wondering if it is possible to give within the allowable non-taxable gift amounts anonymously. Thank you for any advice....

How do I set up my plan/envelopes to carry over from the previous month? I get paid on the 15th and the last day of the month. So, I plan for my envelope’s to be funded on the 1st of the month and the 15th, but I start off with a negative funding balance because there isn’t a deposit in my account transactions until the 15th. It only seems to work for one mo...

I recently accepted a position with a new firm and my wife and I are in the process of looking for a house in our new city. We will need to get pre-approved for a loan in order to tour a number of houses. My question is should I shop interest rates/loan packages with multiple lenders before getting pre-approved, or is it okay (not rude or unacceptable) to g...

Hi. I'm a single mother who has not always given the best examples to my children on how to handle money. I always hear Rob mention good literature that I can get to help me learn, teach and lead. Can you provide

Someone mentioned that I could use a reverse mortgage to buy a new home, is that possible? What are the pros and cons? Is this something new? When would this be a good option if ever?

I’m wanting to build a house— never taken out a loan in my life and want to make wisest decision on what kind of a loan to take out….?

I'm confused. I have always believed that I am to tithe 10% from my gross. So, if my weekly gross amount on my check stub states $200 and the net amount is $100. I am to tithe 10% from the $200 which would be $20. But, I have also heard that we are to tithe from our increase. I'm not sure what that means. Thanks for the advice....

Is there a faith based organization for overseeing trusts for disabled loved ones? Family members are not interested in caring for my schizophrenic son while Im alive and Im concerned for who to trust once Im gone.

Is there a way to begin working on October's budget in September? I haven't upgraded yet. Thanks!

I have been married for 6 years, my husband and I are buying a house using most of the money i received from the WTC Victims Compensation fund, (because of the mercy of God, I am a 9/11 survivor). Is there a way that I can I ensure that my 3 adult children from my first marriage receive the money I used as a down payment in the event that I pass away and my ...

What do you think about reports that this current administration may be creating supply chain problems and food shortages? I have read reports about farmers being forced to destroy their crops or lose their federal subsidies. I have also heard reports of cargo ships not being allowed to unload their cargo at ports. Thank you for your comments ....

I received some information on a home warranty and started to research the different companies and reviewed their ratings. Is getting a home warranty a good idea, or is it better to just have a good emergency fund for unexpected appliance and system repairs?...

Hello! My husband and I just started using the app in August and it has been a huge blessing and eye opener seeing where and how we are spending our money. Thank you for this useful app!! I was wondering if there is a way to reset envelopes for each month and /or compare our spend history month by month? Thank you and God bless....

Hi! I'm struggling with my category balances because the last few days all of my transactions are coming through twice, causing my balance to not match what it should be. I'm assuming they shake down and drop off, but I can't get a good handle on my account when everything is posting twice. Thoughts?...

I want to be able to share the app with my wife so when I spend money out of an envelope it will track that in her app too. Is that possible?

I retired in January and have a pension and collecting SS. These two income streams are meeting our monthly living expenses along with our giving to our church and other ministries. My wife are both 67 yo and we have no debt. I have a Vanguard 401(k) with $400,000. I heard I should take some of the money out as the market will soon have a drastic downtur...

I am trying to print the instrutions for setting up the accounts and I tried copy it . Nothing works. ThnaksJay

We gave $123,000 for our house. We got an 80/20 loan, so we financed the house at a 100%. We were able to pay the house off. Note: we would make money tithe and then pay on the house. So over the years we paid 123,000 which was tithe on. We have now sold the house and walked away with $147,400. I am wanting to know should we pay tithe on the whole amount, be...

Hello, so I am 22 years old and just decided to start my 401k. My 401k plan is through Prudential. I currently am contributing 5% going regular and 5% Roth IRA. I was wondering what would be the best investment allocation . Currently I have half of my contribution going to a stable fund and half going to a large cap blend. Honestly I just winged it because ...

I recently had a consultation with an insurance agent, and he suggested that I put my money into an annuity rather than a 401K because the return on an annuity with his company is guaranteed. Is this a recommendation you would make? And do you know anything about National Life Group?...

I am having problems connecting to my bank. Can u help. Jay

Just some suggestions that I really wish MoneyWise would implement: 1)That the list of transactions always displayed the total of the purchase and that splits would not be listed as if they were separate transactions. That way it would be easier to compare receipts and the bank feeds to MW via Plaid. Clicking on the transactions would reveal the splits and, ...

Hi is anyone trading stocks/crypto to earn $ to help subsidize income during covid?

I have a transaction that needs to be split between three envelopes. How do I do that?

I am on the board of a bible camp where we sponsor kids camps, mens and womens retreats. God has blessed us with a beautiful camp ground which is very remote but adequate for what we use it for. It is beginning to look like we may be in 'the last days' and are wondering if there is someway to set aside funds to protect them in case of the entire board disa...

My mother-in-law has my husband on her checking account incase something were to happen to her, he could access her funds to take care of things. Whenever she passes away, What types of things will my husband be liable to pay on her behalf. She lives with us, so no major expenses and her funeral is pre-planned & pre-paid. She has a few credit card bills ...