Yes, using it is a good idea. You only need to pay it once a month. You don’t get bonus points for paying it more frequently.

Pay the statement balance before the due date, that’s it.

You mentioned an Anesthesia Assistant - another option that you might wish to consider with a great ROI - obtain a 2 year RN degree - get a job - usually the hospital will pay for your BSN - all online - then you could consider CRNA - a Register Nurse Anesthetist - RN’s can make upwards of $80-$100,000/annually - as a CRNA - $175,000 to $250,000. Just some food for thought.

apprecaite it. wife used to pay the house payment so im stumbling through trying to get it paid with the life insurance she had on herself.

thank you!

You will need to contact your lender and ask for a payoff. They will let you know how it can be done.

Where in the BA? There are parts of it that $2800 won't touch a 1 Br and parts of it that you can just make it on that. But when you move to a HCOL area for housing you simply need to pay the local freight whatever it is.

Tax rate is irrelevant. Just look at the dollars in the account and allocate accordingly. Don't overthink it.

I mean you’d be gunning for a entry level role (junior, associate, etc). However I think you would have a realistic chance. You will have to explain it in interviews but I don’t think it’s unrealistic. The market sucks right now in some industries but there’s some roles out here, a lot if your willing to relocate.

Any set specific field or area you had kore experience in (aerospace, automobiles, med device, etc)

What does his tax rate have to do with his asset allocation?

I think both things can be true. If you apply for a job where the application requires salary history, having a higher past salary can show a potential employer that you had $X worth of responsibilities at your last job. Not saying it' a great metric but it's there.

You may find our Taxes wiki helpful.

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

This is what happened to me, my math and science courses needed to be within 7 years. It did not matter that I’d received a degree. I wasn’t going for a master though, just a different bachelors and an additional professional certification.

Checkout OMSCS if you haven’t already. It’s an affordable online MS from GT. No other program has the variety of classes at such a low price, not to mention a great reputation. With a stem BS you shouldn’t have too much trouble getting in. May have to take a prerequisite (DS&A) to improve your chances.

I’d avoid the post bacc path just because of their crazy prices. Definitely avoid bootcamps.

You’re in a rough position because you really need income. I’m tempted to say go bartend part time and do OMSCS “fulltime”. In two years, possibly less, you could be on your way.

Are your prerequisites current enough? I say this because most medical/biology/chemistry classes for an advanced degree were only valid for up to 5 years. You may need to retake all of the classes because you graduated 8 years ago.

I went from a commute that was 9 feet down my hallway to my office, to a commute of 45 minutes each way to an on-site position.

The ONLY reason this has worked is because my commute is against traffic. I wouldn’t do 15 minutes in a bumper to bumper crawl.

Best option is to pay it off in full. Second best option if your cc score isn’t shot get a personal loan with a lower interest rate. In this market around 8% that’s a third of a credit card. Then apply the method below and you are going to destroy the cc debt in no time!

If can’t get a personal loan you want to pay as much as you can after every pay check as it will reduce the interest build up. Interest is accrued daily on most credit cards and loans.

i.e. your cc interest is 24% and you have $10,000 in debt. You are paid bi monthly instead of paying $2000 right before the statement is due, pay $1000 per a check. $2000 right before statement is $200 in interest built in that month alone so only $1800 goes towards principal. If you do the bi monthly method you accrue ~$190 in interest and pay $1810 goes towards principal. This because even more potent of you get paid weekly or biweekly.

Another method is to put your entire check(or most of rent/mortgage can’t be)towards cc debt you then load everything you normal pay in your cc. As long as you pay it off in 30 days there is no interest on it. Make sure you have a budget and are not over spending other wise this plan will kill you instead!

i.e. cc debt of $10,000 at 24%. You get 2k paid bi weekly but have 1k in expenses per month. You will accrue ~$180 in interest and pay $3,820 towards principal -2k for that months expenses so $1,820 off the $10,000 in one month. I recommend converting the points into cash and using that to further pay down the cc debt.

Commented elsewhere in the thread but I'm just not convinced I could land a good MechE job. I'd be competing with a massive resume gap against fresh grads. I tried the job search after leaving my first job and wasn't successful even with hundreds of apps sent, resume review, etc. I can't imagine it would be better with an added six years of distance between me and my studies and engineering experience.

Dealer wants to make a sale, and you're about to bite despite having a perfectly good nearly paid off car.

For most programs I look at, I'm only missing one or two of the prereqs. I'd likely enroll for a semester and finish these prereqs, and also maybe redo a few courses where I had poor grades at the same time to bolster my application.

I would likely aim for schools that take the GRE as I've score 97th+ percentile on similar tests (SAT, GMAT) and am confident I could do similar on the GRE. I'd maybe also do the MCAT as I think some of the schools require it (I'd plan to apply to a lot of schools to help my chances of getting into at least 1).

I believe Early_Uni isn't saying the pay is good for career, they're saying if the job change is a good progression in OPs chosen career that adds non-monetary worth to the change as well.

Edit to make it clear this is my interpretation/opinion on his comment, not an absolute

More power to those friends. I've tried that road personally and it's brutally hard. If you have the financial runway and can get credits for GE classes, a bachelors in CS could be done quickly like you said. No payoff is guaranteed, but the stats are skewed heavily in favor of it being a good idea. By the time you get through it the hiring downturn should be in the rearview mirror. Pursuing the degree is a very structured way to make sure you're on the right learning track and probably a worthwhile distraction from the personal stuff. If you go that route, get internships, have side projects, and grind leetcode a little bit each day. You can do it.

Take it.

It could open up other opportunities. Social. Career. Financial Etc.

Why don't they want you to move out?

You know eventually you will have to live on your own right. So would 42 or 60 per year make living on your own harder or easier.

I would be so poor and lazy if my first real job out of college was 100% remote

Been there, and done that. After some months, you gonna be driving down the freeway everyday, from and to work, and ask yourself if it is worth the move. Hopefully, you can say yes.

I would make following changes

1. Max out Roth IRA before hsa ( you can only contribute till you don’t reach limit ) .

2. Check out investment option in your hsa . Lot of employee hsa don’t have good options and higher fees . Incase of change in insurance plan or employer move it over to company like fidelity

3. Start increasing your 401k contributions as you save more

Keep in mind this are long term retirement money . It can’t be used for immediate need . Good luck

Is there a reason you don’t want to be an engineer?

My coworkers are mostly ME or biomedical engineers and those roles start like 70k and go up from there?

Software is cool but you already have a really marketable degree.