Investing earlier tends to outperform DCA

A little light fraud never hurt anyone...

Don't do this.

You're welcome. I don't considering No Penalty CD one of the better options because the rates are lower than other HY CDs and can only be locked in for 11 months. The rates are still better than a savings/mm account but the funds aren't as quickly/immediately available. If you're worried premature withdrawals may become a reality then I'd suggest putting some money into a No-penalty for peace of mind.

Yes, MM funds are most-immediately available via the debit card. Keep in mind if you need to transfer money from your Ally Savings into your MM it's immediately available but you need access to an Ally recognized phone/computer.

The reason for not putting all my funds into CDs is just a matter of preference. I prefer to have a mix of options, partly hedging and quick access to funds for other opportunities. On the other hand HYCD rates haven't been this high since 2010 so it's a unique opportunity. On the other other hand if you put all your funds into long term CDs and need to early-withdraw your interest penalty could cancel out the additional interest accrual of a CD over a Savings/MM, which is immediately accessable.

To start I suggest you open a Savings and MM asap. It will take your current bank around 3 days to transfer your funds so you're looking at next week. In the meantime use one of the CD interest calculators on Ally or elsewhere to compare numbers, timing and determine what feels best for you.

We both have moderate credit but it's genuinely felt impossible to get accepted

You may find these links helpful:

• 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.

Look into sales engineer role. You don't need many hard skills, but having the me degree will likely enable you to talk the talk and understsnd analytically what you are selling, why, etc. It's a massive industry and pay is all over the place. From 60k to millions if you work your way up to enterprise sales for an in demand product.

[deleted]

Yeah, I did a 90 min each way for 4 years and it wasn’t that bad. My office is 45 min away now but I rarely go.

An extra $18k for 300 hours of commuting. So you'd get paid $60/hrs to commute. Subtract out the cost of the commute.

Not sure about your job but I know people who work from home that used to work in the office. When in the office it was 40 hours of actual work but when at home they can get by only doing 20 hours. So something to think about if that's the case for you

Probably worth it assuming you have better career trajectory.

Zillow, lots of emails and telephone calls?

Thank you :)

[removed]

One industry to consider is Consumer Products. That’s the industry I currently work in as an analyst. It’s generally not a difficult industry to get into as long as you can demonstrate transferable skills. The starting salary for an analyst can range from 60-80k depending on the company. However, if you’re good at it, and show initiative to move up in your organization you could be making six figures within a 4-5 years. The work isn’t particularly stressful, most CPG companies offer good benefits, and it’s virtually recession proof. Check out companies like General Mills, Dr Pepper, Colgate, or Reckitt. I worked for someone with a fashion degree in my previous company, so with your degree you shouldn’t have too much of a problem.

You might have a hard time convincing the state that everyone thinks you're living in, and you say you're living in, that you're not actually living there and therefore are due a refund of your taxes.

You should go the software engineering bootcamp route, but I would add one condition — take a month or two and start teaching yourself, to the point where you can create a simple web app, and see if you enjoy it.

I did a bootcamp, and many of the challenges that you hear about on reddit about breaking into the industry are true. But if you are smart and most importantly, passionate about the work, you can 100% do it.

I often describe my job as getting paid to play with legos all day. So definitely try it out, but if it feels like legos — that is, fun and creative rather than a slog — I think you’ll definitely be capable of making a successful transition there.

I believe you would be breaking the law. State of primary residence is not just where your address is. By that logic someone can buy a trailer house in CA and live in remote MO and earn California money. It also involves your health insurance, car insurance and rest of the things. I’m not a lawyer or anything confirm with someone who is more knowledgeable about this

My 401k fund options are very limited. So I chose the funds I mentioned. I wanted to move to ETFs because of their low expense ratio.

Nice, you'll be fine. Congrats on the job!

I've been driving 45 minutes to work and back 5 days a week for 4 years now, the morning drive is fantastic, it's cool, I feel at peace, the roads are empty and smooth. The afternoon drive isn't worth the 45% increase in salary.

I did a 75 minute drive for a few years. Mornings didn't bother me but the evening was tough. I wouldn't call it mental anguish though.

I've done a 35-45 minute drive for the past 20 years. Maybe it bothers me once a month, probably less. Most of the time it's perfect.

I like driving. I have a nice car. I blast music. It's almost cathartic.

45 minutes is probably the cutoff for a lot of people as to what is and isn't reasonable. But it is certainly not enough to pass on a significant raise at a young age.

Percentage-wise that is a huge pay raise.

45 Min each direction, eventually that starts to cut into your life. I had done it for years. Wait until adverse weather or traffic problems make that drive an hour and a half. It gets frustrating after a while.

She did and thank you for the support. Its appreciated for sure.

Better than i thought id ever be in my situation. Thank you for the concern. Its much appreciated.