Fidelity

Well before everything went bad I felt it would be the best option to sell it. I had an extra couple thousand and could pay the difference that was still owed. Truthfully I wish I would have listened to my gut but I didn't. So it is something that I had been thinking about for a long time now

Honestly, IRS.gov is your best resource- unless you have a seriously complex situation ie business, amt, trust etc

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I totally agree with your assessment. We don't make enough alone, and together it only seems to work with the revenue stream.

I am on the edge.

Thankfully, if I did attempt to rent out the old house and we got into a financial situation, I would immediately take the steps necessary to balance the books. I do have a reasonable 401k balance that I would never touch unless it was to pay bills on time while we sold the old house but I would be checking my accounts to head off dipping into the 401k to begin with.

However, do I want an added amount of stress on my life?

For the first time ever my wife and I feel like we are in a good place financially. We can afford our bills, we are building the emergency fund. Once our emergency fund is funded we are going to increase our 401k contributions and loan payments. Now this job opportunity opened up and, you know the saying.. mo money mo problems?

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The house I live in is in a hot market and its still not cooling. Time on market is 3 days, that is an improvement from 1 day. We do not have enough housing inventory.

I agree that isn’t not realistic for a single person with a home. My budget will definitely increase at that point. And yes, my overall budget is more than $6,000-$7,000/year. But typically I spend $600-$700/month throughput most of the year currently.

I am very frugal and try to save money on things I don’t really care about. I would like to spend more on my living situation, but I suppose it would be best to put that towards a home I own, not rent.

Sell it. You do not want to be a long distance landlord and you have no experience being a landlord.

Enjoy the move and the new city/area.

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Investment Firms are going to be your best friend. Brokerage Account = savings account with access to the market. You can choose your own investments (self directed) and pay little to zero expenses for the account. A one year CD currently at 4.25%. Any equity’s aka stocks- you should have a long term hold on. Great time to buy in a down market. Do yourself a favor don’t EVER try and time the market and park your cash at a bank…that is LAME AF. Cheers!

I would pick something that mimics the S&P. Vanguard had a fund that did this and it was a low fee. That is your best bet there should be a description that tells you if it mimics the S&P

They are the exact same holdings, one is juat an ETF and the other is a mutual fund. So do you want an ETF or a mutual fund?

I am trying to understand why they keep on charging me 3 months after all the business is completed and I have asked them to block my credit card at their end.

Make sure you do the part about talking to the humane society so they expect the donation. There was an attorney here in Carmel that was embezzling those types of donations if the charities were unaware of the gift.

Checking kelly blue books price now

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Read the wiki and come back with more specific questions. It sounds like you want to open a retirement savings account, the Wiki explains your different options.

Thank you. I missed the huge transfer fee…

What are you trying to accomplish? It sounds like pods did their job, horribly, but they did it. They charged you because they delivered your goods.

Are you trying to figure out why they charged another $1k? That's something only they can tell you. Sorry.

I can shed some light on going through it. I was in an almost exact same situation. My wife lost her job about a year after we bought our house due to medical issues and went from 2 incomes down to my one which at that time was about $55k. We missed a bunch of mortgage payments and went into foreclosure. I was the only one on the loan/deed and ended up declaring bankruptcy. I'm in year 5 of it right now and almost done with trustee payments. It's not been great but it was a necessary evil. We're current on everything these days and I look forward to not having to pay the bankruptcy trustee. Luckily my wife didn't need to be in the case with me and for any debts, my mom has been willing to cosign so we aren't fucked on interest rates and I work for a credit union in commercial lending.

If you have a good network around you, it can help lessen the negative side effects. It doesn't get you out of them all together though. I was terrified going into it but if it's what you need to do to keep a roof over your head, it can be beneficial. Talking to an attorney that helped walk me through the options went a long way towards my peace of mind so I would recommend doing that. They have no emotional interest in it and will look at the facts and tell you what your best route is. I wish you the best and have been in your shoes. It's not fun but you WILL get through it. Feel free to shoot me any questions you have as well and I'll answer them as best I can.

Edit: Also to answer your question, you do not have to give up the house to file bankruptcy. Our mortgage was sold to another servicer and we pay our normal mortgage and we pay $325 a month to the bankruptcy trustee that goes towards the arrears that we owed from not paying when we couldn't.

If you sell the car, won’t you get some of the insurance back? Seems like you should.

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The problem with this study is it ended in 2012. If you look at a comparison between VBK and DFFVX (US small cap value) since 2012 until 2022, VBK had gained 309%, versus 85% for DFFVX. The world has changed since 2012, and my investing approach has changed with it. I used to follow the DFA approach religiously, but have changed my opinion since Value has lagged SO far behind growth for a very long time.

If the charges were reversed, what are you trying to have happen?

If you are not able to move after-tax contributions into a Roth (IRA or 401k, doesn't matter which) in a short time, the growth will end up make it worse than a regular taxable account.

In a taxable account, most capital gains and dividends are taxed at long term rates, but all growth coming out of the after-tax account are taxed at ordinary rates. So you need to move the after-tax contributions to Roth before they generate too much growth.