Thanks! I try to be conscious with a CD period as much as possible. I also only use debit cards since for as long as I’ve been old enough to be a cardholder. When I started this job I had a long list of things I wanted for myself and they are big ticket items unfortunately

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That's a pretty big chunk of fees to pay - over 5%. It would make sense if you are likely to reduce your tax rate by more than that, which is possible but not guaranteed, depending on what your marginal rate is this year and what the cap gains rate is the year you eventually sell.

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You get that 4.742% as an annual rate of return (so half of that after six months).

Probably not. Imagine if you signed a 15-month lease and prices skyrocketed, and your landlord tried to get you to pay more. You would rightfully tell them to pound sand. They will do the same to you.

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When you say max out retirement accounts, you do know just putting the money in isn't enough and you have to invest it, right? So many people make that mistake that it's worth checking.

The wiki here has a flowchart that is really good. Your situation doesn't need a financial advisor. Just follow the flowchart. Keep enough liquid savings to cover your needs based on how likely you are to lose your job and invest the rest.

Have your credit union financing ready. When you have a final price, pull that out and ask them if they can write a better loan.

Decide now what vehicle you want, check credit union & Costco buying services. When you know what you want, with what features, go shopping on SuperBowl Sunday, just before kickoff. Once the game starts, most sales types will want close the deal and go back to the break room. Source: got a new truck during World Series with that city's team competing.

You're 24, it's time to buckle up and have some self-discipline, not "tricking" yourself into thinking you are broke.

You need to start tracking your spending and looking at where this money is actually going. Then forming new habits to avoid this spending.

Example - you see that a lot of your money is going into buying lunches, so you make a habit to prep meals for the week every Sunday. Set a calendar reminder on your phone for every Saturday to go buy the groceries, keep a list of meals you want to make on your phone - whatever helps you stick to that habit.

Second this. While you have solid income and some assets, an advisor really won’t offer a ton at this stage for what it’ll cost. Do some homework, stick to low expense ratio index funds, and keep up the good work.

Advisors can become more helpful when you have kids or are planning for retirement. Then they’ll model out scenarios, show likelihood of success, etc.

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If you re-buy the same things 30 seconds after selling, that is a "wash sale". Please look up the wash sale rules. The bottom line is that if you sell (at a loss) and re-buy the "substantially identical" positions within 30 days, you can't deduct your loss. Rather, the loss gets added to the cost basis of your new position (and you can deduct that loss when you eventually sell the new position).

Now, let's pretend that you're not buying "substantially identical" positions, but are instead buying something that gives you exposure to the same thing (e.g. you're selling one crypto index fund and buying another crypto index fund). You are going to be able to deduct $3000 on your taxes this year and have $12000 to offset potential gains next year. To me, that doesn't at all feel like it would be worth $800 in fees.

The $800 in fees are probably going to basically equal what you're saving in taxes by getting to deduct the $3000. So it's not like you're walking away with any extra cash today. I just can't see that being worthwhile.

(And again, if you sell stuff at a loss and buy that identical position back, then you can't deduct it anyway.)

If they are not turned on is the installation really complete?

There may be a difference of opinion between stores on what they think items do or don't qualify for FSA.

If you think it's a legitimate expense, you can submit the receipts for reimbursement to your benefits administrator directly (they should have a form).

$11.48 = $10.38 + sales tax.

I also noticed that the insole is sold by 3rd party, so maybe Amazon can't classify it as FSA eligible because they don't sell it?

Do. All. Of. This.

So we maxed both of our 401ks and IRAs this year, I laugh because our retirement funds have less funds than they did on 12/31 last year.

As someone who manages a non-profit, we do budget planning. You don’t need to give monthly. Giving comes in patterns, and it is simple enough to plan for it. Give in the way that is most convenient for you.

Thanks for giving at any intervals, though, it’s really important.

You would really have to check with them to see what they will let you do. There are too many moving parts for anyone to guess.

I know for a fact that you can move securities from one rollover IRA to another. But even if the general answer for a 401k is yes, you're still going to have to check with your particular 401k provider. (Do they allow you to transfer securities? Are the particular funds that you have even something that can be transferred and not something proprietary? Does your employer block you from transferring securities until you leave the company?)

make sure you are selecting products on the Amazon FSA store. as others have clearly called out that invoice does not show the 2nd item as FSA eligible.

A few things you need:

• Goals more motivating than an impulse: what are you saving for? What would be worth delaying today's pleasure?
• Friction: debit cards only, or no cards at all. Make it hard on yourself to spend. Don't save card details in a browser or website, etc.
• Cool-down period: make a rule to wait 24 or 48 hours before buying something that is not a legit necessity.
• Accountability: ask a friend or family member to check in with you regularly. Share your goals with them and ask them to ask you hard questions
• Quick & easy meals you can make at home that you enjoy.
• Dave Ramsey. I'm not a huge fan, but his stuff is for folks like you who struggle to stay afloat.