I had a guy try to accuse me of hitting his car in the parking lot simply because my car has lot of existing scratches. People are fun.

DCA 10K a month whilst earning over 4% on balance.

I would just make the lump sum personally.

From what I understand, on some sites the price listed is either what's still owed on the house, or the last price it sold for. It's an effort to grab your attention and likely not the price you'll be paying. Foreclosed properties are auctioned, so highest bidder gets the house.

For example, my house recently got foreclosed on. I fell ill and wasn't able to make the payments. There's nothing wrong with it. It's in great condition. The bank I had my mortgage with sent me an estimated value of 212k after inspection. However, it's listed on foreclosure sites at 156k, the price I bought it for.

If I'm not wrong, the bank knows what it's worth and will likely do all in their power to get the bid up close to the 212k price tag to get the extra 50k profit. Maybe I am wrong, but as long as they do it legally, why would they not?

Well, Visa is just a card payment network. You have to go to the card issuer (i.e. the bank) to dispute, or try to.

I've leased a couple times in the past and was quite happy with it. I was able to drive a new, reliable car with a fixed low monthly cost. On a tight budget that could not squeeze out an unexpected $300 or $2000 for critical repairs, which always seemed to happen just when I'd paid off previous used cars, it was great for peace of mind. I was never even close to going over the annual mile allowance, even with some out-of-state trips. For someone with more resources though, I'm not sure what the advantage of leasing would be, aside from perhaps freeing up other money to invest in something that does not depreciate.

It was for my Visa debit card. I just had a ballpark balance that I kept an eye on, didn't look too deeply at my statement. Lesson learned.

Paying an extra 500 to 1000 a month didn't make you stop and think something is wrong? To most people that would be a major red flag come bill paying time.

At $42k, an $18k raise is transformative. Would be much less of a no-brainer (to take the new job) if they were already making say $75k. And the commute is not crazy by any means. Since you’re living w parents it sounds like you’re young/ no kids. My advice: 100% take this opportunity if that’s your situation. Stay living with your parents if you are OK with that outside of the commute consideration, thoughtfully saving to set yourself up for later.

You're an at will employee. That means you can fire your employer at will. You don't owe them a year just like they don't owe you a year.

Fuck. Have another charge that is for $1k (around the same time that the rental company charged me), that is completely fraudulent and I have no idea who it's from.

I'm thinking giving the rental company a bad public review might coerce them into paying me back.

A HELOC doesn’t settle debts, it just transfers them. And puts your house at risk.

All good advice.

To add to this, the mathematically correct (i.e. costs you the least amount of money) method of paying down multiple debts is to throw all disposable income at the highest interest rate debt, so you should figure out which card has the highest APR and pay that down until it's gone, then rinse and repeat with the next highest interest rate debt.

Becoming a dental hygienist via a community college is a great investment if you can put in the time and effort. It looks like the average DH makes something north of 80k, and it's hard to see demand for them decreasing any time soon.

Lump sum out performs dollar cost averaging about 65-70% of the time.

A year ago, doubtful. It's usually 60 days for fraudulent activity and maybe up to 120 days max if it's a product quality issue.

What about the timing of the investment? DCA, lump sum, or something else?

So are you suggesting that I invest the amount all at once?

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Assuming a monthly budget of $2200, after the expenses you listed, you should have about $1400 left per month. What other bills do you help out with, who pays for your food? Please list everything in your post if you can. Try to make the other expenses a consistent expense, especially if the other members of your household are understanding.

If you’re able to contribute $1000-$1100 a month to first your PayPal and Capital One debt, then your Discover debt, I think it really is possible for you to be credit card debt free by May 2024.

I’d also see if you can get a set amount of the credit card debt paid the second money hits your bank account. It can be very tempting to spend $20 here and there when you see thousands in your bank account.

I don’t really comment on this sub because I really don’t think I’m the most informed to help people, but there aren’t too many other responses here. Hopefully someone more knowledgeable than me can call me out if I’ve given bad info.

Name of a bank

PNC.com. It’s a bank. Not sure if they’re just in So Cal or if they’re national. I have used them for HELOC’s and other type accounts so I was comfortable with them for my HYSA.

What is PNC?

I would do either the Boglehead 3 Fund (60/20/20 Total US, International, Bonds) or 70% S&P 500, 30% Total US Bonds.

You have to take emotions out of it and think objectively. Good investing is emotionless.

I'm new to investing and have always defaulted to just keeping my money in savings. Investing this sum makes me a bit nervous I guess since it's a paradigm shift for me.