To be honest they (leadership and HR) won’t care that you’d do not get overtime anymore. They benefit off not having to pay OT.

What was the raise they first gave you. At my work you get 5% raise for doing hiring duties.

As they just gave you a raise 6 months ago they likey won’t be willing to again until your next yearly review is due.

Lmfao, I thought the same but wanted some other input. At least there’s one positive of being a failure 🙃

Used car salemen have the reputation of being scummy.

New car not so much. Check the price on the internet and stick to it (plus local taxes and fees). It's the finance manager you have to worry about. He/she will try to push all the extended service plans onto you.

Also try asking in /r/askcarsales

Best way to purchase a new vehicle is to purchase the new vehicle from an authorized dealership that has great reviews. Do not pay over MSRP, and I recommend not buying any of the add on dealership packages. Ensure that you look over the new vehicle before signing papers.

This is really more of a lifestyle question. Do you work to live or live to work? Keep your eyes open for new opportunities just be very selective knowing what is important to you. Could you offset your work schedules to reduce or eliminate childcare costs? Shop daycare vs nanny vs Au Pair.

Sales and marketing. I was making close to this with a BS by 25. Got my masters and nearly doubled income in LCOL area.

Sadly the dealership mafia has gotten laws passed that you need to buy through slimy salesmen and dealerships unless it's a new American company (so if you're interested in Tesla you can buy one from their store and walk out, otherwise you'll be talking to the sleezebags).

No real "best way" when it comes to new cars besides being a smart consumer. Know what MSRP is, know what acceptable dealer fees are (ideally none, just buy the thing!). Shop around and get OTD prices and LEAVE THE LOT without buying to compare on your own time. This is easier with new cars as you have MSRP on your side (beware they'll spook you with "oh but you'll neverrr find a car like this in 2023's wacky markets!")

So: "yes" dealerships suck and are a weird remnant of the 1960's that stuck around due to cartels. But "no" you don't necessarily need to get screwed by them.

My advice would be to watch the 1999 comedy "suckers". Aside from being a great flick, you'll come out with a basic idea of the most blatant ripoffs to dodge.

Not really. Estimated tax payments are so you can avoid a big penalty by owing a bunch of taxes when you file.

That's clearly not a problem for you lol. Congratulations!!??!??

You'll write off the loss on any income, and carry the rest over into next year. You'll get to write off future gains against the loss carryover, or up to .. I think it's $3k of income taxes?

Is all your income from crypto trading?

RE syndicates certainly can outperform the equity market but that is usually comes with higher business and liquidity risks, which both can be mitigated with experience, good partners and a large & diversified portfolio.

[removed]

I think we are on as close of a page as we can be for our financial goals. We are planning to talk to a friend/realtor soon to get a good breakdown of what we believe we can afford.

Some of how we split this has made me slightly nervous from the legal viewpoint if anything were to happen. I always feel weird mentioning this, because of course both of us want this, but you never know. I've had thoughts about getting a lawyer to help make somethings clear and fair and just to document what happens.

Looking at interest rates and watching housing prices decline has grabbed our interest to hope to get a good deal on a house and also hope that the rates will go down and we could refinance soon. Therefore, hopefully saving us money on the interest we'd be paying vs. what we'd be paying to rent otherwise. Not sure if that makes sense the way I wrote it, but I feel like there's a cost benefit analysis to do to see how much longer renting would be worth/not worth.

If you do end up finding another job, can you put in a good word for me with your current employer? That flexibility sounds amazing

[removed]

No difference both would be borrowers/ owners.

Helpful article for how non married couples can hold title of a house here

This is actually what we do for rent now. We haven't decided how we will manage funds yet. We've had some convo about some of the options you've mentioned here and will make that decision when it's closer. Thanks for the response!

Yea, I don't mean for it to seem 'holy grail'-ish, but trying to figure out something that we could potentially live off the returns while living somewhere with a cheaper cost of living and possibly not working...guess that does sound kind of 'holy grail'-ish lol

I would recommend that you and your partner have a frank and honest conversation about your financial goals and expectations before you start the process of buying a house or condo. It's important to be on the same page about how much you want to spend, what you can afford, and what your long-term financial plans are.

When it comes to the down payment, you should consider whether you want to split it equally or whether one of you will contribute more. You should also think about how you will handle the mortgage payments and any other expenses that come with owning a home. It's a good idea to make a budget and to have a plan in place for how you will manage your finances as homeowners.

It's also a good idea to protect yourself in the event that your relationship does not last. One way to do this is to have a cohabitation agreement or a prenuptial agreement in place that outlines how you will divide your assets and liabilities in the event of a separation or divorce.

As far as timing goes, it's true that the housing market can be volatile, and it's not always easy to predict the best time to buy. However, if you and your partner are ready to take on the responsibility of homeownership and you have the financial means to do so, now might be a good time for you to start looking. Just be sure to do your research and make an informed decision that's right for you.

It's also worth considering the pros and cons of buying a home versus continuing to rent. On the one hand, owning a home can be a good investment and can provide a sense of stability and pride. On the other hand, renting can be more flexible and may be a better option if you are not ready to commit to a long-term mortgage or if you are not sure where you want to live. Ultimately, the decision to buy or rent will depend on your individual circumstances and goals.

Thanks for the response. I think we both wanted to be on all paperwork like you've mentioned. Wasn't sure if there was a difference in signer/co-signer and how that looks legally.

Its less the overall value of the real estate then if its positioned right and making adequate rental income to be profitable. But I get what you mean.

[removed]

Before marriage, I'd split the mortgage payment based on income. If one of you makes 60% of the total household income, that person pays 60% of the mortgage.

If you're sure you'll get married, this is a broader question than how to split the mortgage. The two of you will need to decide how you'll handle all the finances after marriage. Will both paychecks go into one account and every bill come out of that account? Will you utilize the three-account method where the majority of each of your paychecks goes into one main account and bills are paid out of this account and the remainder of your paycheck goes into an account only you use and can spend how you want with a similar account for your spouse? Only the two of you can decide what method works best for your marriage.

Dope and beer. Otherwise looks ok. If you want to learn more the 3-fund portfolio is a good and easy start.

[deleted]

I take it if you both are on title and loan then if the worse happens you both are protected and entitled to the equity.

Many people will begin to comment” never buy a house with someone you are not married too” but I say , “ Congrats on your Millennial Wedding” It’s now somewhat common now to buy the house first and then have the wedding.

My cousin had a Small beach elopement in 2019 with just parents and siblings. They rented for 2 years and in 2021 bought a house and in 2022 had their wedding.

My friend that bought in 2020 with her bf. Engaged this year. Said they split down payment down the middle.

In my case I bought the condo my hubby and I live in with my own down payment before marriage so it my own separate property.