> My husband and I both file - currently are set up to be filing separately due to the amount of income we make together.

Are either of you on some type of income based repayment plan for student loans? If not, then you should probably be filing MFJ.

I would look for work elsewhere but I loveeeeeee my job so much 🥺🥺

We were dating before they moved in, I perhaps didn’t make that clear! Or perhaps you mean the set up makes us roommates..

Not a tax expert but if your commissions weren’t taxed, that might explain it.

I'd work with an agent to get an umbrella liability policy that covers your net worth. That policy will require certain auto coverage, and many other coverage (renter's insurance, for example) and establish minimums for those coverages.

You've got to consider the whole package together to get the right limits. Otherwise it is easy to end up over paying or under -insured.

Perfect advice!

We’ll need to know your total income and how much is being withheld from your paychecks to help on this.

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Have you looked at low interest balance transfers with no or low fees? 24-26% seems high to me for credit card interest, even given recent inflation, but is apparently normal. Are you paying a punitive rate because you missed payments?

Other issues - vandalised car claim that paid out 15k. Police involved etc

Several seizures that revoked my license for 3 years

Otherwise, have been driving for 11 years without a single infraction, warning, criminal charge, or civil suit of any kind. Until the event I refrenced in OP.

I do have some heavy identity theft though. I ordered an updated CLUE report to verify the only claims present are valid

Don’t use debit cards. You can’t charge back in many cases at all.

Partner B could just pay what rent is considered fair, given that it's not a typical renting scenario. If partner B rented a similar house with a roommate, what would they expect to pay?

I don't know why you're being downvoted. Forty-give minutes is nothing to sneeze at. I used to do that. It sucks. Now I work from home, and even the 25-minute drive to my current employer's location makes me wonder how I ever did that every day. Commuting doesn't just cost time and money.

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My condolences.

Generally, you make a mortgage pay-off electronically (online) because it is safer. You will do it using your bank account number and routing number. The mortgage company probably already has this information. Your debit card number won’t work because there are spending limits on those kinds of transactions.

You have to contact your mortgage holder for your pay-off amount because that will probably be different from your principal balance.

That's a good income source though but just remember to eat good food and veggies as well which would help to regenerate your blood. Like pomegranate and so on

And? Feds still won't care unless you try to dedect state taxes you didn't actually pay.

All I'm saying is the feds get their money. He's not trying to dodge federal taxes here.

Yeah that’s at least the cost to bulldoze alone, no way it’s as simple as it seems.

$460 a month tells me you have a pile of other issues.

I strongly suspect you need a job close to home and to not be driving at all.

I’m not 100% sure how much we’ll need but $30,000 seems like a good place to start. I believe we can definitely save $833 a month

If they are in that much of a perfect health, I usually point out HSA and how they work and are quite literally the strongest kind of investment account you could possibly have. And they only get better if you truly don't need to touch it and are able to max the HSA limit.

It depends where you donate and what promotions they are running. One place also based it on how much plasma you donate so people who weighed less and couldn't donate as much were paid less. It is all up to the location.

Joint account at separate bank each partner contributes what is needed to pay all the bills (including mortgage) plus $100 - $200 monthly. This should cover utilities, cable, groceries, etc.

Partner A "charges" rent to Partner B at FMV or FMV less a "Partner" discount. This may work out where A is paying 65% or mortgage and B is paying 35% more or less.

If partnership continues and A sells the house then of course, the proceeds could go toward the new house. At this point all money becomes "our" money. How to to spend and how much to save is a joint decision.

If partnership ceases then B leaves and joint account is closed. Remaining funds could be split equally or a portion gifted to B based on the percentage of mortgage covered by former "rent" agreement.

Get quotes on the 100/300 and the 250/500 from scrap places.

Its not even that they are current enough. Could you jump into a class that assumes you know everything? The professors may glance over the basics but they won't spend time teaching all the pre-reqs again