Gotcha. What about Ally's money market account over savings?

>got rid of it right before the big expenses hit

Had an '08 Civic that I sold 2 years ago when it had 178,000 mi on it. The only non-routine maintenance thing I had to fix on that car was a $200 sensor. It made it another year before the kid I sold it two totaled it.

I am 33 now. I didn't have much idea on the investing when I started initially. I started with a brokerage account. This is what my plan is going to be 1. Match the employer contribution of 401K 2. max out HSA 3. max out Roth IRA.

If you can serve or bartend for enough to pay the bills you could do that at night and weekends while you work 8-5 at your new career (entry level if necessary). Since you aren’t married and don’t have kids (I think) you could spend a year getting your life setup and do it all with cash flow - no going into debt

BTW a 45 min commute isn't bad. Of more importance is your professional advancement and opportunity to learn. All the Best in your new gig.

>DMV is defintlely not going to give legal advice on how to settle an estate.

Probably not but I'd definitely start there before spending money on a lawyer. Besides OP isn't looking for advice on how to settle an estate, just want to know options on getting rid of a car that's titled to a deceased person. If DMV can't help the only thing lost is time spent on the phone. In the county I live in we have a very good DMV that falls under the tax office.

Yes but Ally's No Penalty CD allows you to break it whenever you want and transfer the money to your ally savings account immediately so you get the best of both there.

I asked, they won’t refund the remainder. I am now learning this and will never let myself make a mistake like this again. Will also be spending a good amount of time teaching myself more in depth about financials because I now trust no one.

Have you looked into the trades or becoming an apprentice? You’d get paid to learn and have a lot of optionality once you’re out of your apprenticeship.

Also, another thought would be to explore using the degree you have and jump into a job that will train you.

Last thing, explore! Check out various careers/jobs, talk to people, try and fail at some jobs and see what happens. You have a lot of options here and I wouldn’t necessarily take on debt for a job yet. You’re planning for retirement, which is great! Don’t saddle yourself with unnecessary debt.

As a software engineer I’d like to caution against this perspective a little bit… it’s certainly possible now to build a career and network through fully-remote positions (especially if the entire company is fully-remote), but for mixed/optional WFH positions I have seen extreme and obvious career benefits for people who are friendly/social/helpful in the office.

It’s not so much that remote employees are at a disadvantage in software positions, but more that in-person employees have the opportunity to capitalize on being in-person, which can go a long way.

Since nobody else is saying it. Apply for unemployment. With that severance you may not be eligible for a month or so, but get the paperwork in now and you should automatically collect once the grace period ends

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It's antiquated boomer middle management talk to say nobody can work from home because you don't think they will work. That's not what I'm saying at all. Relationships exist in every job in every industry. When people blame nepotism, what they really hate is that somebody got an opportunity they didn't. When I need to hire someone, I ask around. "Do you know anyone who would fit this role". Etc. Maybe it's someone you play golf with. Maybe it's an old coworker. You don't make those connections at a wfh job.

I enjoy being 40-50 minutes out, but I am also flexible on my office time. 8-4, 9-5, 10-6,. So I stagger my time around rush hour and it's a nice morning audiobook with thinking time.

They’ll probably withhold taxes as a bonus, so you’ll have less available now, but you should get the difference back next year.

The CAA degree seems like such a huge departure from your prior education and degree. Do you even have any interest in healthcare at all or worked in the industry before?

Most banks at least in the US give you an interest amortization calendar as well since the percentage of your payment that goes towards interest is higher at the outset of the loan.

Great answer.

Is there a reason you can't pursue an engineering job with your ME degree?

You seem to enjoy being a server, which generally requires decent people skills. Is a sales engineering role a better fit your skillset/personality?

Thanks. 2.8k here is including utilities and others here. I found one at Santa Clara for 2.4k. Seems to have what I am looking for. It is less than 3 miles to my office. I could look for apartments farther away but I fear not being close to my other friends and I’ve heard the traffic there can get quite annoying. This is a big decision and I am quite scared for sure.

Maybe you can cancel the policy and refund the remainder of the premium?

Also, never, ever ever pay upfront what you can pay later at no cost to you.

To be honest, it is not the military's job to educate you about retirement accounts. They are there to fight wars/keep the peace.

Any adult, military or not, should be able to learn at a very minimum the basics of investment.

Sorry, it just rubs me the wrong way when people complain about things that aren't legitimate. Any new accession nowadays is taught enough about the BRS and TSP to get them started.

We as adults should have educated ourselves long ago, on our own. Just wait until you get out and see how much the military did in fact hold your hand for.

DMV is defintlely not going to give legal advice on how to settle an estate. Hell around here they can barely provide guidance on how to do things that are their core business.

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Meh, to me a 2015 Honda with 72k is a new car. I usually buy them between 50 and 100k. My daily is a 2008 with 185k and I autocross it. So while it does get frequent fluid changes it doesn't have an easy life. If u want a new car ok but the personal finance answer is keep your car. Upgrading is profitable for the dealer, not you.