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The money problems people post on Reddit

Saving and investing tops the money questions people post on Reddit, with 99 of the 548 personal finance problems we collected from Oct 21 to Nov 2, 2026.

Debt and credit is close behind at 85: credit card balances, whether to pay a loan off early, and which card to move a balance to. Housing and cars make up another 56, where a car payment or rent squeezes everything else in the budget.

The list ranks every problem by how high it placed in our daily rankings, drawn from 661 Reddit posts, and links 11 briefs for anyone who wants to build a fix.

By PainPoint Daily Team · Last updated

Key facts

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Ranked problems

  1. Made treats for all the kids at the shelter for less than $30! Happy Halloween everyone! 🎃👻 1 post · first seen Nov 2, 2026
  2. What should be my investment priority? 4 posts · first seen Oct 23, 2026
  3. I'm getting really fkng sick of paying for things I already paid for 1 post · first seen Oct 29, 2026 Brief: Bill Creep Check
  4. Life insurance beneficiary question 5 posts · first seen Oct 21, 2026
  5. It's my birthday tomorrow, and i have $4.27 in my bank account. :( 1 post · first seen Oct 25, 2026
  6. Left job, can't get 401k withdrawal bc employer says I'm still employed there 1 post · first seen Oct 28, 2026 Brief: Clean Exit File
  7. $43,000 in debt and can no longer pay for the monthly payments. What is my next step? 1 post · first seen Oct 25, 2026
  8. Pay extra on mortgage or 401k? 6 posts · first seen Oct 24, 2026
  9. What happens when we can’t afford to live anymore? 1 post · first seen Oct 29, 2026
  10. Just got knocked down a peg, feeling a little lost 1 post · first seen Oct 30, 2026
  1. My 65-year-old mother is $60k in debt, facing IRS wage garnishment, and has no retirement savings. How can I… 1 post · first seen Nov 2, 2026 Brief: Parent Debt Plan
  2. For my fellow Americans that are uninsured, here are a few helpful websites 1 post · first seen Nov 1, 2026
  3. I'm confused about my HSA: Should I use it for medical expenses or save it? Can I reimburse myself all of it? 2 posts · first seen Oct 26, 2026
  4. On surviving a halfway house/shelter starving us 1 post · first seen Oct 25, 2026
  5. Medications from Canada will be blocked in 2027?? 1 post · first seen Nov 2, 2026 Brief: Rx Cash Price Finder
  6. Living in poverty knowing an “inheritance” is coming 1 post · first seen Oct 25, 2026
  7. How to Start Building a Retirement Plan? 4 posts · first seen Oct 22, 2026 Brief: Retirement Starter
  8. Should I refinance my car loan right now? 2 posts · first seen Oct 25, 2026
  9. What do you guys do for fun that doesn't cost any money? 1 post · first seen Oct 30, 2026
  10. Fastest and smartest way to pay off mortgage? 3 posts · first seen Oct 26, 2026
  11. How much do you make? 2 posts · first seen Oct 21, 2026
  12. $20 to last until Wednesday, what to eat? 1 post · first seen Oct 25, 2026
  13. Steps to get out of this hole? 1 post · first seen Nov 2, 2026
  14. I’m 20, homeless with my son, have around $20k in debt, and need help prioritizing my next moves 1 post · first seen Oct 27, 2026
  15. U.S. debt collector pursuing a paid Bologna, Italy traffic fine — what are my options? 1 post · first seen Oct 24, 2026
  16. 3 payments behind on an $8k Capital One card, currently unemployed. Do I just let it go to default? 1 post · first seen Oct 23, 2026
  17. Embarrassed to post this 1 post · first seen Oct 24, 2026
  18. Was given $30k by my dad now what ? 1 post · first seen Nov 2, 2026
  19. Is it a problem if a car dealer ran credit reports on my wife and I each, when we told them we were doing a… 1 post · first seen Oct 28, 2026
  20. Is there any reason not to use zelle to transfer money between accounts? 1 post · first seen Nov 2, 2026
  21. 457b - what do you mean the company can use my funds for creditors?? 1 post · first seen Oct 30, 2026
  22. What would be the best move? 2 posts · first seen Oct 23, 2026
  23. I'm 18 and want to move out as soon as i can but i have absolutely nothing 1 post · first seen Oct 25, 2026
  24. Can you explain to me why the market only goes up in the long term as if I were a 5 year old ? 1 post · first seen Oct 23, 2026
  25. Anyone else's grocery bill creeping up on them 1 post · first seen Oct 27, 2026
  26. Am I just stuck with this money order? 1 post · first seen Oct 30, 2026
  27. How to stop living from paycheck to paycheck in NYC 1 post · first seen Oct 27, 2026
  28. Healthcare is such a fucking joke 1 post · first seen Nov 1, 2026
  29. My dad is unemployed and it’s stressing me out 1 post · first seen Oct 27, 2026
  30. My partner says her foster mother made her get life insurance which she pays $35 every 3 months. Is this… 1 post · first seen Oct 30, 2026
  31. How bad is it and what should I do 1 post · first seen Oct 26, 2026
  32. I’m in my early 20s and terrible at saving money 1 post · first seen Oct 25, 2026
  33. 27 y/o Dad financially drowning… 2 posts · first seen Oct 28, 2026
  34. Didn’t die and now i have to live 1 post · first seen Nov 2, 2026
  35. How do people go days without eating? 1 post · first seen Oct 28, 2026
  36. 6k credit card debt. Advice on best way paying it down 3 posts · first seen Oct 24, 2026
  37. Mortgage payoff with no employment in sight? 1 post · first seen Oct 26, 2026
  38. If you are homeless this might help 2 posts · first seen Oct 28, 2026
  39. What have you recently downgraded because of rising prices? Maybe it's food, entertainment, or even your mode… 1 post · first seen Oct 28, 2026
  40. Divorced, trying to keep our family home by assuming my ex-husband’s 2.25% mortgage instead of selling. Am I… 1 post · first seen Oct 23, 2026
  41. Got scammed by a "friend" and am now in a really rough financial spot 1 post · first seen Oct 25, 2026
  42. Can’t max out both 401k and IRA? 1 post · first seen Oct 23, 2026
  43. How do you climb out of poverty when you're doing everything you can just to keep your family from sinking? 1 post · first seen Oct 30, 2026
  44. Does anyone else feel insane rage when you see people who make a ton of money but suck with finances 1 post · first seen Oct 29, 2026
  45. Should I keep paying for extra life insurance when I have no dependents? 1 post · first seen Oct 24, 2026
  46. Cooking at Home vs Eating out? Homemade Deep Dish Skillet Pizza $3.20 1 post · first seen Oct 29, 2026
  47. People with kids, how are you keeping up?!? 1 post · first seen Oct 28, 2026
  48. Safety deposit box alternatives? 1 post · first seen Oct 24, 2026
  49. Is this a life worth fighting for ? 1 post · first seen Nov 2, 2026
  50. Downsizing disagreement 1 post · first seen Oct 25, 2026

Ideas from these problems

Rising this week

FAQ

What are the most common personal finance problems?

The most common personal finance problems on Reddit are saving and investing (99), debt and credit (85) and housing and cars (56), out of 548 problems from 661 posts between Oct 21, 2026 and Nov 2, 2026.

Where does this data come from?

We collect public Reddit posts where someone is stuck or asking for help from a growing list of subreddits, merge near-duplicates and rank them by a daily score. See our methodology for the full process.

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