I am in my 40s. I probably have enough invested to retire, but I don’t know the details of how it's allocated, or what the tax implications of various withdrawal strategies are.

I currently only use Credit Karma (migrated from Mint) to track net worth and overall annual spend. 

I don't know what my pre tax vs Roth split is, or what my stock vs bond split is, when combining my and spouses various accounts.

In the future, I would like to be able to get personalized asset allocation recommendations, as well as model impact of withdrawal strategies on taxes, or evaluate Roth conversion and factor in RMDs etc.

What tools would you recommend that you've found useful ...

1) free to try, fine if paid to use, should be cheaper than a CFP

2) don't want to link accounts with multiple tools. We have - Vanguard, Charles schwab, Fidelity, Merril, physical and online banks

Setup once and use for both tracking and future modeling needs

3) should be able to pull detailed stock ticker level data, cost basis, long term vs short term, fund source pre tax vs Roth etc to be useful.

4) User friendly - I don't want to do spreadsheets myself

5) Likely not going out of business (like Mint did), and well supported 

Thanks in advance 

I (24) just received a $35k settlement. This is the first time I’ve ever had this type of money to my name. I think I have decent knowledge of savings/investing. Just not sure WHERE it should all go. My credits in the low 600s. My current job pays like $15 an hour. I have one charge-off for about 1400 that I’m looking to pay to delete. I also owe about 35k in federal student loans. Aside from my shitty secured credit card (I can’t get approved for anything else), that’s about all the debt I have. Should I go open a HYSA? Roth IRA? Get into real estate investing? My parents are older and flat broke. I don’t want to squander this. Thank you!

I’m 20 years old and mainly looking for ways to budget/prepare my future better between investments and just overall money management. I’m not the greatest with saving as I take trips with my SO and just overall am pretty quick to buying certain things.

I make 54k gross without any overtime with my only monthly bills being car($460 which is currently more than I need to pay), insurance($260 for my car and $120 for motorcycle), and subscriptions (I would estimate somewhere around $100).

In the coming year or so I will have to find my own place due to family moving out of state however i’m in an apprenticeship for a very good job so I need to stay.

Also want to add I do get a raise every 6 months due to the pay scale in my union. Health, dental, and vision is also covered.

I have inconsistent jobs from gigs here and there, so it is tough to know how to budget for my expenses. Some months I have loads and other months very little. For context I am in the UK so if others in the UK have similar experiences and can relate to the living costs and laws here please let me know