‘We do not plan on getting married’: I’m moving into my boyfriend’s home. He bought it a year ago and paid off 25% of his mortgage. How do I get a stake in his home that’s fair to both of us?

My boyfriend and I would like to move in together in the next year or so. He bought his house about a year ago, and he has paid off about 25% of it. We both would like for me to gradually become a partial owner. We do not plan on getting married. I do not … Read more

After stocks plunged this week, here’s how to protect your finances during a period of uncertainty: ‘A hard landing will ultimately be unavoidable’

It’s been a hell of a week on Wall Street. The Dow Jones Industrial Average DJIA, -0.30%, the S&P 500 SPX, -0.57% and the Nasdaq Composite COMP, -1.40% all closed lower Friday after plunging on Thursday, shedding all of Wednesday’s post-Fed rally. The Federal Reserve on Wednesday hiked the benchmark interest rate by 50 basis … Read more

‘She has no ambition’: I make $ 100,000. I’m buying a home before the wedding. My fiancée earns $ 50,000 and has $ 20,000 in student debt. What’s a fair prenup?

I have been in my current relationship for almost three years. I’m a young woman, 41, have a great, stable career and make about $ 100,000 a year. I am ambitious and my prospects have me increasing my income by $ 10,000 every year. I have about $ 140,000 in savings, and no debt. I … Read more

‘My main aim is to have a net worth of at least $ 100,000’: I’m 29 and live with my mother in an rented mobile home in California. I have a $ 25K emergency fund and $ 26K in a Roth IRA. What should I save for next?

I am doing OK financially as a single 29-year-old who unfortunately is still roommates with my mom. We split everything down the middle and I mainly stay with her since it is very expensive to live on your own in my city, and it also helps relieve a lot of financial stress on my mom … Read more

‘The graveyard shift is the most understaffed:’ I work as a waiter on the Las Vegas Strip. We are overworked, underpaid, and our drunk customers often do not tip

Dear Quentin, I currently work at a fast-casual restaurant on the Las Vegas Strip. I have worked at the company for three years. I work at the busiest outlet of this restaurant in the world. During the slow winter months, this restaurant makes an average of $ 130,000 a week. During the summer months, we … Read more

Equifax, TransUnion and Experian will soon stop counting medical debt in credit reports — now, for the bad news

The nation’s three major credit bureaus say they are overhauling how they include medical debt in a consumer’s credit history. The agencies said the removal will result in nearly 70% of the medical debt on Americans’ credit reports. This is a case where less is more for the financial lives of many consumers, certainly during … Read more