Banking a 15k realized loss is a good deal if you are in a high enough tax bracket. You can offset up to 3k from ordinary income every year even if you don't have any realized gains to offset.

Honestly, you have to change yourself rather than relying on something or someone else to fix the problem. You have to break your shopping habit.

The closest thing to what you want would be an online account, such as a savings account, at Ally or similar firm. No physical location to go into to get money. Don't get a debit card so you can't spend the money. Looking at your balance means going online and having to input a password to get access to account information.

There probably is, but that's not fixing the problem. You'll start getting really good at knowing how much you make and then keeping a running total in your head on how much you've spent... until you mess up and then over draft. Or until you think you've only spent half of it for four weeks in a row, finally look, and realize you have $20 left in the account.

You need to control your habits. You need to save for something big and have that be important to you, or you need some real world consequences. Maybe your parents need to charge you rent, maybe you need to pay for your cell phone bill yourself. Maybe you need to start buying your own groceries.

If you just leave the house with this same type of problem, even if you get a $75k/year job you'll be here posting about how you blow $3000 a month on DoorDash and shopping with the girls and going out at night or something.

I get that living an "easy" life and spending is fun, but you need to change who you are and how you think about money vs just trying to make it harder to spend.

An IRA is an investment account, a HYSA is a savings account. You’d be hard pressed to even meet inflation in a HYSA, let alone make any real earnings. You put your emergency fund in a HYSA because you don’t want it to be invested. The goal of an emergency fund is not to make money, but to have access to a few month’s expenses in case of an emergency like losing your job. You do want to invest your retirement savings, as you can make a good chunk of money by letting it grow in the market for a few decades. Having that money sit in a HYSA is a ton of missed potential.

You can withdraw from a HYSA any time. It’s just a decent savings account at a bank or credit union.

By the time you understand enough about your finances to properly research/vet a potential financial advisor, you'll know enough to do it yourself. You're already off to a good start maxing your IRA and 401K. I recommend getting a couple of good personal finance books and spending some time at bogleheads.org - the advice you'll get there is worth its weight in gold.

They won't negotiate. You signed the lease, agreeing to pay that amount.

You're paying a higher price because at the time that you moved in, many other people were also looking for an apartment. So the price is going to be higher since so many people wanted it.

Once we hit October 31st, the demand drops and doesn't pick up again generally until April or so. Even more so in the summer.

People with children want to be settled before school starts, students want to be ready for college, and the weather in general is nicer to deal with a move.

A vacant apartment right now might sit vacant all winter, at a tremendous loss to the landlord/company. That's why the price is lower now, to try to entice the few tenants who are looking at this point.

What do you mean "withdrawing early"? How long did you think you have to keep it?

When you withdraw that 2.5-3.5% doesn’t it complicated depending on if you withdraw from pretax or after tax accounts?

So, let’s say year 1 of retirement I withdraw 3.5% of $1,000,000 ($35,000) wouldn’t I be hit with taxes at the 22% rate on the 35K?

I know everyone says it’s easy, but am I thinking about this the right way?

I don't think saving for an emergency fund or contributing to a 401k is a dumb idea.

If your focus is emergency fund you can contribute less to your 401k. My idea is you setup the plan and contributions and you can adjust the amount later as a smaller undertaking than having to get setup first.

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open an online savings account and have a portion of your check deposited automatically. These accounts take a couple days to transfer to your checking so it will remove the convenience factor and ability to spend.

you need to do this on your own not rely on your parents. you must learn the discipline.

you do not have the income to be a big spender.

The seller hasn't identified it as eligible. Try another seller.

i was going off of this

https://fsastore.com/fsa-eligibility-list/o/orthotics

doesn't that mean all orthotics insoles are FSA eligible?

and if i see Dr. Scholls on Amazon FSA list, doesnt that mean insoles in general are FSA eligible too?

I did reach out to them today as soon as I noticed. Thanks!

What makes Roth any different from a HYSA besides withdrawal repercussions before the age of 59? Also, with HYSA can you withdraw any amount anytime?

Under each item it says whether it’s eligible or not. Pick an insole that states it is eligible.

Amazon doesn’t know what the annual amount is.

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If you went over, you’ll have to remove excess contributions before you file taxes. Not that big a deal, just let your new administrator know that you’re over, they’ll fix.

Are insoles not covered by FSA?

there are a couple dr. scholles ones that were under that category. so i assumed any insoles would be covered.

You only have one item that is FSA eligible.

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Would you think it’s smart to contribute to my new 401k while I’m still building my emergency fund? Shouldn’t I wait and get my emergency fund built asap before looking into my 401k?

Setup 401k with new employer and setup a contribution, and then roll over the old 401k.