Can you elaborate? You’re probably right, I just don’t think I fully understand.

Leasing a car is just buying the most expensive depreciation every 3 years.

> My concerns with buying is the value of the car depreciating quickly and I end up at a loss.

So why would you ever lease since that’s exactly what you’re choosing to do

There's nothing prohibiting it

Call back.

Don't discuss the fact that you pulled the money out of the IRA and are putting it back. Only say you want to do a 60 day indirect rollover and ask them how to do it.

If they still refuse to help you, I'd put the money into a different brokerage and then consolidate at some point in the future.

yeahhhh I messed up. evidently for Roths you are allowed to indirect rollover back into the same account.

I have never heard of doing a rollover back into the same IRA. Always to another IRA.

Well not constantly, but I'd say I get trade notifications once a month to every other month? Not sure why. My mom's been using the same advisor for 30 years and her investments have done very well.

>the advisor buys and sells constantly

Why does your advisor do this?

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You may find these links helpful:

• General Information on Rollovers
• 401(k) Fund Selection Guide
• Retirement Accounts
• "How to handle $"

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My accounts with the advisor aren't in target funds, the advisor buys and sells constantly. And I agree, I don't want to have a second account sitting around so I'll move it somewhere.

Agree with another if you're just doing funds no real need to pay to have someone manage. I'm in similar situation. Currently I've got the old one sitting left alone, but intend to move it to the new 401k. The fund options are similar. Just no need to have 2 accounts and money split I can see. It's another thing to try and manage when I could have it all in one place. Just need to start the process.

I wouldn't pay a 0.7% fee. That will add up to a lot of money handed over to an adviser in the long run.

You may find these links helpful:

• General Information on Rollovers
• 401(k) Fund Selection Guide
• Retirement Accounts
• "How to handle $"

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

We have a smaller mortgage by hundreds of dollars a month, and larger income of over 10k/mo total- And it’s STILL way too tight and was probably a bad idea.

How many years are left on it? If that’s a relatively new 30 year, yes, people are right and you need to downsize.

You owe the money. The responsibility to determine coverage is yours, not the hospital’s. “Go ahead and ding my credit” is bad leverage because it’s not like the people you’re speaking with are going to lose out on anything - their compensation isn’t based on one client’s collections. You, on the other hand, can be forced to deal with the credit hit, collections calls to family and employers, etc. it’s a mess.

Contact the hospital and see if they will lower the $3200 to a rate for people without coverage (since that’s technically what you were). Then ask for a payment plan.

Best of luck to ya.

Great explanation, thanks

Thank you for this. I can keep working with my budget somehow, I just couldn't think of any other ways to do that. If I can find ways to decrease my medical bills that would be great.

They are "unexpected" because I plan for some procedures, and then I assume I'm done with office visits for a while, and then something comes up out of nowhere. It's been happening more often lately so my budget for medical expenses hasn't been enough to cover the "surprises".

Thanks

This is a common sales tactic. They are trying to get you in the door so they can talk you into buying a new car. Sure....they'll give you extra money on your old car. But then look at how much they mark up the new car to offset it.

There’s no actual “extra money” to be had, just another marketing tactic to get you into the dealership. Back during the pandemic I was going to buy an EV and I got a similar email from a Honda dealer, thought why not add the dealer to my options for selling my old civic. Turned out to be a total waste of time as they still offered me 4K below what I eventually got from Carmax.

They lie a lot

"We have a unique need for exactly your car!"

Call them up.

Dealer: "What car do you have?"

You: "The one in unique demand!"

Dealer: "Umm...funny thing about that..."

It's pretty easy to do a mail merge both physically and electronically or a cookie based advertisement via your IP to tell owners of 'Car X/year Y/trim Z' that their car/year/trim is in super high demand for trade in. This is a common tactic to drive traffic to the dealership.

Thanks, I'll be looking around after this visit. Yeah, I do need them, put it off longer than I'd like for safety.

You should try to find a well-reviewed independent mechanic near you. They are almost certainly overcharging you a good bit for the brakes, if you even really need them at all.