Work on weekends and a night or 2 during the week.....all a loan does is get you deeper into debt. This will also curb any kind of spending your doing, so it's double bubble.

Priorities are out of whack but also i have a pay as you go plan with Verizon that is unlimited on everything (talk, text, and data) for about $50 a month so there is potential huge savings on the phone bill.

I wouldn't be surprised by monthly cost if hes using a laundry service. Drops off his laundry, has someone else wash and fold. Drives to laundromat to pick up laundry.

It’s totally unnecessary to give any healthcare provider your SSN. All they need is your insurance ID number. Years ago many insurance cos. used SSNs as ID numbers and providers continue to ask for it out of habit. The less people that have your SSN, the better.

Depends on what the fees are for the 403b. But as another post mentioned it's likely too late for any 403b changes.

What is rent typically like for a 2br 2ba? 4k a month?

There's at least a few IRA options that have lower fees than TSP at every major brokerage. And beat doesn't have to be by a significant amount to beat it. Even slightly lower expense ratios with similar returns "beats" the higher ER option (TSP in this case).

TSP is great as far as employer plans go, but most of the big IRA brokerages have lower ER options available.

$50 for coffee is even a lot. assuming $5 per coffee, thats 10x a month or once every 3 days. if you need coffee that badly, make it at home for 30 cents

for real!! $50/month for laundry is insane

and if he's moving outta the country anyways, might as well start looking at selling the car.

that is a great point. but ig he maybe sees it as enjoying his time left before possibly never seeing longtime friends again? thats understandable.

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Ditch the car. Figure out public transit. Order your groceries.

Ummm save the extra try and lower your internet bill reduce the subscriptions

If you don't want to get rid of the car, you'll have to cut something else out. I'd suggest the eating out and "shopping" as it sounds like this is non-essentials. Does your partner have a car? If so, can you just have the one car? This is dependent on if you live together, etc.

Also, find cheap/at home ideas for hanging out with friends. Host a potluck or movie night or something.

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> While it is tough to beat TSP in a company 401k, it's easy to beat in an IRA, and IRAs have so much more flexibility and accessibility.

This advice doesn't sound right. An IRA doesn't have any special features that allow it to beat a 401k or the TSP.

The main advantage that IRAs have over most 401k's is access to more funds. But most of those other funds are worthless considering that the S&P 500 beats 90% of them over the long term. Add to that the very low expense ratio of 0.043% for the TSP C Fund (market index fund), and it's hard to see how an IRA can 'beat' the TSP. IRAa tend to have higher fees, except for access to some of the 0% funds like FZROX. Large employers that offer 401k/403b plans and the TSP have the negotiation power to demand lower fees for their employees. Individual investors with IRAs don't.

Yes, we have a couple hundred thousand, give or take depending on exactly where the appraisal lands.

Cut your food bill. Should have 0 shopping if you can barely afford rent. $200 electric bill? What kind of apartment do you live in? Stop using AC/Heater. Lots of things you should cut. Mobile phone $151 for 1 person???

We are a family of 4, with my MIL coming as well. An apartment isn’t an option.

New home is intended to be for the next 17 years, though relocation for work is always a possibility. That relocation would entail additional financial flexibility due to a promotion or leaving a job for higher pay, so not really a concern.

We could pay both mortgages in a pinch, and could always sell down the road if the financial benefits of renting were no longer there.

Do you even have equity in your current home? You don’t say how much and that will be a factor for how much you can get from a HELOC.

Keeping it simple allot of people simply rent out the old home and use that to pay rent in the new city.

But there are allot of variables. How long do plan on living in the new home? Do you ever plan on returning to your old home? What happens if your job requires you to move? What happens if the old house tenant stops paying rent, can you afford both mortgages or mortgage and rent? Why a house why not an apartment in the mean time until you settle in?

Be very careful you're looking at two homes now, but there might be a chance you can have no homes if you really mess it up, or destiny really doesn't like you.

You're spending 200$ a month on eating out, seems like that would be the easiest place to make some cuts