Get the book, or audiobook, the simple path to wealth by JL collins. You need to build some base financial literacy in that book is really all you need.

Because they charge a fee to negotiate the lower balances, so the money you save may or may not be worth it. Check this review:

https://www.forbes.com/advisor/debt-relief/accredited-debt-relief-review/

What do you mean 'sabotaging' his health? Why wouldn't he just run its course?

What you should do with the money depends on a lot of factors. You could invest it. You could use to go to school of some kind and make more money. Don't waste it on dumb shit

Oh interesting! Because they're so risky, credit-score wise?

Thank you lots!

Prices could keep going down from here so here’s what I’m personally doing. 33% invested now to avoid potential fomo, 33% for more buys if we continue to go down and 33% for after we have made a bottom on the way up.

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I don't know what your income is, but $27k is not enough for me to start with debt relief services. Just some good ol' fashioned discipline will work. However, YOU can do the same legwork they would have done by calling the creditors yourself and attempting to negotiate a lower interest rate. Sometimes they will lower your rate for a time period so you can concentrate on loans that did not lower the rate.

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I would leave it to local humane societies, not national. The money will go a lot further towards animal care. Maybe even donate to all your local rescues that you trust, too. But do give your sister something, or she might decide to go to court claiming you just forgot to mention her.

You listed the grantors and trustee, but you failed to list who the beneficiary(ies) of the trust are. If you're a beneficiary and the trust document allows distributions for this reason or at will, you can do this. If your mother is the beneficiary, she would have to take the distribution and gift the money to you, though there won't be any gift tax. You need to be careful as a trustee to not abuse your powers. If you aren't a beneficiary and think you can distribute funds to yourself and consider this an investment, it's not and that could be an issue later.

San Jude children hospital should be a good deed and they need it

I've got a 52.4 month emergency fund in the credit union, it's staying there. I don't trust online only banks, I want to be able to go physically pull $50k if I want to, no ATM machine is doing that.

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This is good advice, thank you. I feel like I keep manufacturing my own issues, it's a really helpless feeling

Is your partner looking for a job?! Did they get unemployment? The job market is still very good so it’s hard believe your partner hasn’t found one single job.

In all likelihood, it's too late to get a loan from Best Egg or anyone else because you've stopped making debt payments and that will cause your score to drop like a rock. My best advice is to stop digging. Stop taking loans. Stop taking loans before you do a lot of research and understand the consequences. It's time to start climbing out of the hole you've dug. Either stick with ADR or start paying off the debt on your own.

You can do this with online brokerages like Schwab , fidelity or Vanguard

There is no deadline to convert traditional to Roth. But unlike contributions, which have an overlap period from Jan-April, the conversion always happens in the year it actually happened. So if you don't convert by the end of the day today, it will be a 2023 conversion.

Note if the IRA contribution is non-deductible, it really doesn't matter, as converting doesn't add to your tax.

Office is committing fraud with your insurance companies name front and center, they won't like that. Tell them this is happening.

Roth IRA in an S&P or NASDAQ index fund under the 18 year old’s name using his/her income assuming this is for long term is an option

Happy to elaborate more if you have more questions!

Yes correct. You should expect to withhold at least about ~14% of your earnings from the contract job and pay that quarterly to the IRS.