Is it possible to switch all the dept into one big low interest dept with a locked interest rate? 23k sounds still manageable. The future will most likely bring higher interest rates.

Is that what I would buy into? The VOO and VTI? What is an S&P 500 fund? I'm in my mid-30's, so a little late to the game.

I've read a lot of positive reviews about Ally. Thinking of checking them out myself.

I agree, but here is my situation. Most of the debt is my husband's, who is SEVERAL years older than me. I am happy to help him pay off the debt, but want to start putting some money back for when he is eventually gone. I agree that I should help pay down debt first so I'm not stuck with that in the event he passes, but I also worry about loss of his income. I don't know if that makes sense. Still seems like I should pay the debt down first.

Thank you!

You've started, that's awesome.

Don't worry if sometimes you can't, you'll soon be able to add more and more, but it's these first few years that add the big amounts in 40 years.

It never matters how often you stop only that you always start again when you can.

I would just wait until late 2023. Going to see a lot of pain for equities and real estate. The interest rate effects lag big time. Keep saving and keep your fund in a hysa earning 4%.

Open a Roth IRA. Tax-free growth. If you're young, I would consider a s and p 500 fund.

Just stay searching and be transparent about your situation and wants in your new job, you never know what could be waiting out there to find.

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Rule for monthly rent is annual salary divided by 40. Sounds too expensive.

My parents use Edward Jones and have a great advisor there. He has helped them immensely, so I decided to do the same with a local branch. I had the worst experience ever. Horrible advice, I lost a ton of money and he basically ghosted me after our first meeting. Be very careful who you decide to work with.

Of course this works only for non tax advantaged accounts (does not work for IRA, 403b, 401k, etc.)

I would consider a fee-only fiduciary financial planner to review your plan and discuss holistically what you want/need and what is possible (budget, taxes, giving, etc.).

Yes, spend maybe 2k on this. It is your money and it is best for your interest.

Thank you for this. Mid 30’s and I feel completely hopeless financially. Hope I can somehow make up for lost time.

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You have etoro and / or vanguard, just remember that you can get back less than you invested.

Yes it's possible, you can open an HSA anywhere in addition to the one through your employer.

However, you should always contribute via payroll when possible to avoid FICA taxes. Sometimes you can convince your employer to deposit your payroll HSA contributions to the account of your choice, but most of the time you have to use theirs for that method of contributions.

In that case you will need to transfer regularly from your work HSA to your preferred one. Two ways to do this:

1. Trustee-to-trustee transfer. This is similar to transferring money from one bank account to the other. It goes directly, and the IRS places no limit on how much you do this per year. However, some HSA providers charge a fee for this, so avoid it in that case and instead do:

2. Indirect Rollover. You manually withdraw the funds (via transfers/checks) and then deposit it into your preferred HSA, and fill out some forms. This doesn't cost fees, but the IRS only lets you do it once every rolling one year period.

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If they are doing large scale layoffs their options probably aren’t worth anything. And even if the were, you would have to spend YOUR money to exercise them. Are you in a position to spend money on that right now?

Which bank did you use? I have a lot of savings doing jack in my chase account I'd like to move somewhere better

I also have little money to invest and chose a broad market etf (A2JSDA) 300€/quarter instead of monthly to reduce trading fees.

Continue putting money in that 401k. the compounding, tax advantage and partial match are worth far too Much in the long run to disrupt for a down payment.

You should probably consider speaking to a financial planner that deals with estate taxes etc. Fee only would be my recommendation. They could probably give you a much more accurate assessment of your options as they are up-to-date on all of the codes and regulations.

The only con is too many hard pulls can result in your credit score dropping, which, besides the obvious reasons, is bad because it might make you ineligible to sign up for more cards that'll give you a bonus in the future.

I'd limit it to opening 2 cards per year, but otherwise, "credit card hacking" is a great idea. Especially if they don't have an annual fee, I'd just keep them open because your credit score will increase if 1.) you have high credit limits and 2.) your credit utilization is low, which will continue to get lower if your credit limit keeps increasing.