But do this with a bank that has notifications when the card gets swiped so that neither of you has the ability to spend without the other's knowledge.

Above all else, talk about the household finances once a month minimum. That alone will eliminate 90% of potential financial troubles. And if you can do it successfully, you'll be way ahead of the game once you do tie the knot.

Best you’ll get is a Honda civic from a private seller.

Edit: this is the market. Used car prices are all time high.

Hell no. Make them pay for everything. A lady dented our Outback’s rear quarter panel with her door. Her insurance took responsibility, which is good cause it cost $2,200. They also paid for an intermediate sized rental that I talked into becoming a med size SUV. In your situation, they’re absolutely trying to fuck you into paying for the biggest part. Make them pay for it all.

I think TDFs are fine. Some like to manage their own portfolio and tweak it to be more aggressive or more passive. It may save you a tiny bit on the expense ratios if you do it yourself.

>removes the payment entirely sooner, which increases savings.

Their savings would increase faster by using many HYSAs instead of paying at least some of these debts.

They’re predicting a recession towards the end of this year. If you’re in no rush, might as well wait for 0% deals to arrive

If I refinance my mother’s parent plus loans in my name, will it show up as an educational loan on my credit report?

I am trying to utilize the smartbuy 3.0 program in MD. Looking into that as a possibility of student loan forgiveness. I asked a lender and they said only loans that show up on your credit report as “educational loans” qualify.

Would this fall under an educational loan?

Yeah, it's fine to invest in a different TDF. Just be careful with Fidelity to pick a TDF that has "index" in the title as they also have actively managed TDFs with much higher expense ratios. FDKLX should be what you're looking for.

That's awesome! I'm totally down for weird and unconventional.... if I could actually get something! Right now I'm doing a lot of stagehand stuff so I totally get the hard hat and high-vis stuff haha

It's a relief to hear there are paths and it's not a complete loss, I'm glad you were able to find something and I hope your path continues to be great

Utah's is really great with low fees and great investment options at my529.org so that's what I use from Texas, but it may not make sense to give up a state tax deduction in your state.

VNYTX - Vanguard New York Long-Term Tax-Exempt Fund Investor

>Fed: 24%

>NY: 6.25%

>NYC: 3.876%

Since you use Fidelity,

Get on a payment plan with the IRS and get yourself on an aggressive budget. At ~$250k income this shouldn't be an insurmountable problem.

HYSA or money market fund will get you comparable gains these days where cash is no longer trash

Interesting. I found this article and it states:

>Unrealized income or losses are recorded in an account called accumulated other comprehensive income, which is found in the owner’s equity section of the balance sheet. These represent gains and losses from changes in the value of assets or liabilities that have not yet been settled and recognized.

They interchange income and gains. So income are gains and gains are income. Now, I'm leaning towards answer A since capital gains are income regardless if they are realized or not.

Talk to the IRS. They are actually pretty reasonable and will put you on a payment plan.

And please do something about that credit card debt.

Look in your transaction history on the IRA. Every last day of the month, you should see a dividend payment (that’s your interest) and a reinvestment of the same amount (putting the interest into VMFXX).

Well, investing in a target date fund is, in fact, a good way to be on a set it and forget it glide path and can help take the intimidation factor out of investing in the Roth IRA. I meant though, set up your Roth to automatically move money from your savings account to your mutual fund (for example, the target date retirement fund previously mentioned) every payday or month to keep that tax exempt growth going to set you up for the future.

If you can figure out what you're saving this money for, you can find a place for it and keep it going. Take a look at the subreddit's prime directive. After that, there's nothing wrong with enjoying the fruits of your labor either though.

If you ladder though, so be aware that T-Bills and T-Notes work slightly differently.

Bills are sold at a discount. The difference between the price you pay and the face value is the interest.

Notes are auctioned as well, but have an interest rate that is paid regularly. The yield is a combo of the discount and the interest paid. If the yield is lower than the interest rate, you will pay more than face value for the note, but will get regularly interest payments.

Positive: A little backstory, I had two jobs. Got let go from one (for a terrible reason) & laid off at the other a week later! I didn’t have very much in savings and my dog had a $1400 surgery that same week. (I’m young, made very dumb mistakes with my money which I FULLY recognize. Now I know better so it was a great learning lesson.)

It was a struggle and thank God my parents helped me out, but I still had to max out my credit cards to pay bills. I couldn’t find a job for 3 months & I finally got a great one back in January! I’ve been slowly getting back on my feet & realized the number one cause of my problems was my high rent! I’m paying around $2000 after all my bills. The base price of my rent is 1687. Not counting my car insurance, internet and other necessary expenses.

The win: I secured a new apartment this week that’s super nice and cheaper! Now my base price is 1436 and I’m SO happy with that. I don’t move in until July. I live in metro Atlanta so that’s great & should help me start turning things around! After insurance, groceries, internet, etc, over half of my current income is going towards my rent right now.

I’m also looking for a part time job somewhere to help pay off my debt & pay my parents back! Fingers crossed!!

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Many people still yet do though some do it for free and some takes the pay.

Blood donation camps are being set up at majority of the laboratories and hospitals as well

Yes, that's true, i forgot about that. You can "put it back" within that very short time-frame, once per year, and only if the Roth IRA in question hasn't previously been involved in a rollover in the past 12 months.

If we're getting into the details of this, OP could also make a qualified withdrawal if he becomes disabled, if he's buying his first home, or if he dies and his beneficiary wants to make a withdrawal.

I think the shared checking account is probably the best option. If you want a way to spend money from that account with credit card rewards, one of you could get a credit card (or designate one you already have), make the other person an authorized user, and only pay for shared expenses on that card. Then, pay that card only from your shared checking account.

There is a cap on them, but I agree that I’d put $10 grand in I bonds and then put the rest elsewhere.