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Or call them back with *67

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So you were providing the service as a subcontractor while they got 40%. What are they bringing to the table for that 40% and now closer to 50%?

Thing is whatever you are doing is worth $100 an hour. Would it benefit you to pay someone else perhaps 15% to get the clients? I have no idea what it is that you do but it’s obvious that if you could get the clients from someone else at less than 40% a job that’s what you should do. I’m sure there are plenty of opportunities to do that but your just not business minded which is ok. You weren’t trained that way but think bigger for yourself. You’re the one with the needed skill here.

A lot of comments are focused on commute time. The office environment Ian a factor as well. As someone who only recently started going back onsite after 3.5 years away - it’s kind of nice seeing people.

>Ideally, this would be the last vehicle I purchase for the foreseeable future

This is what literally everyone says, and then 3 years later they're back at the dealership eyeing the newest cars and all their cool features.

I am glad someone pointed out that this needed to be reflected.

“Married filing jointly” to me intuitively implies that I am married and the person I’m filing with also has taxes to file. If i were the only one working, then I’d be “head of household”, right?

We’ve been filing married filing jointly for years and this is the first year when we owe back taxes.

So I’m still confused.

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Generally, time in market wins over longer time horizons; so, lump sum.

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Congratulations on the baby!

Review your budget. Are you investing at least 15% of your income for retirement? Have you budgeted for childcare?

Is your emergency fund in good shape? Do you have sufficient term life on yourself and your co-parent? Both are essential to giving your child a stable childhood.

Take advantage of thrift shops, Buy Nothing groups, and other inexpensive options for baby equipment and clothing. Babies and toddlers outgrow things long before they wear out.

Stock your freezer with easy to re-heat meals. The first few months are exhausting, so you can blow the budget and your waistline on takeout and delivery.

Think about how you’ll handle cash gifts to baby. Do you want to open a 529? Buy savings bonds? Do something else?

Remember to fund your retirement before investing for college. You can’t borrow to retire and you don’t want your children stressing over elderly parents.

Congratulations!

I would never work at a place that offers salary based cost of living in the location I live.

Thank you. Will there be any difference between how ETFs are taxed vs Mutual funds are taxed?

The sooner it goes into a Roth IRA, the sooner you get to stop posting taxes on the earnings.

I did it during college. It’s completely legitimate and safe. You have to meet certain health requirements like they test a drop of your blood each time for certain things, and your blood pressure and stuff.

I can not donate anymore because of medications I am on.

...no income tax in Seattle. Yet.

I would just have written a note on their car saying "no".

But since you didn't do that and you didn't hit their car, I don't know why you need to do anything. They're not necessarily scamming you; maybe they just noticed the scratches for the first time and noticed you had some as well. Regardless, there's no upside to calling them and thus giving them your number.

By the way, you say that this seems like an "unusual" place to do this; what would you consider a "usual" place?

Thats what I was thinking. and the benefits are not worth much.

Each service takes an hour. We do an average of 20 services per week.

There is no universe where 4 hours of commuting a day is “not that bad”. Hope it pays well.

That’s definitely probably true. But I will never make the kind of money I’m making with my current career anywhere else. I am the sole provider for my family so it is worth it to me. I use the time to listen to audiobooks or podcasts or be introspective

Set up a sleep routine. Decide who will get up late nights, and who will early am. Aka who stays up. And who gets up. Its better for both of you to sleep solo for x hours then both of you worry about 24 hours. Solid sleep is most important. Decide based off of lifestyle what make sense. Sleep helps both parents. Sleep helps with postpartum depression as well. Dedicate a sleep routine, I can't stress this enough. Spilt time..don't double time!

Whaaaaat?!!! I was not aware of that. So in this calendar year I can invest essentially whatever is left from 2022 + 2023?!

>My parents don't want me to move out.

Probably worth getting into this conversation a bit more. Finding a place around the halfway point would probably be just fine?