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She's probably stuck with both of them for 2023. You can't make changes after open enrollment without a qualifying event. She should check with HR.

Your income in no way justifies a truck, maybe a used sedan. Don't fall into that trap.

You can definitely have 2 (or even more really) plans. Dual coverage is relatively common.

Mint stopped working for me when I refused to link bank account

Thanks for sharing your experience, good points!

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I kept my old house as a rental only a mile away and I’m really glad to have sold it recently. Even being around the corner was a hassle, I can’t imagine doing it across the country. Maybe if you have a professional property manager taking care of it for you, but then that eats more into your income and your learning experience.

Not more than $8k. They means you won’t be buying much truck.

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This is important. Many people mistakenly believe the national HSUS funds their local brick and mortar humane society. HSUS does not operate or fully fund any animal shelters.

Tough question without knowing more but avoid spending your money on a depreciating asset (something that will be worth less a few years after you purchase it). Invest in something (yourself included) that will improve the trajectory of your life!

Keep it in a separate savings account, preferably an online one that pays better interest than the piddly .10% most local banks/credit unions provide. You need the EF to remain liquid.

Here's a link to the PF Wiki for helpful guides and information.

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You don't cash out health insurance.

Are you referring to life insurance? If so, read the Wiki linked at the top of this page and start following it.

> Any basic advice for someone on these things?

Follow the Prime Directive: https://www.reddit.com/r/personalfinance/wiki/commontopics

> Or is there a wiki

Yes, this sub has a detailed Wiki.

https://www.reddit.com/r/personalfinance/wiki/

> I am foreigner working in the US on a visa (not an h1b) and i have no idea about the 401k or the roth.

A lot will depend on whether you intend to retire in the US or if you plan to retire elsewhere. Many countries don't recognize US Roth accounts. See: https://creativeplanning.com/international/insights/expat-roth-conversions-qa/

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The house sale price was 180k and you have 151k equity, and still owe 167k on it?

I don’t think I understand your numbers here. Very hard to give you any advice.

It is his life insurance. He is not sabotaging his health persay. The doctors are prescribing him medicines to help him recover from chemo and they are not working effectively. Our grandfather was a doctor and would never ever prescribe medicine like that.

You are saying that the Value Premium over growth is still an important aspect of investing. Some recent academic research has cast doubt on the continued existence of this premium. Im not saying totally avoid Value, but am saying Growth should be held in a Roth. VBK would have to decline almost 200% versus DFFVX to make it better to hold value instead of growth in the Roth. Doesn’t seem likely to me that this will occur any time soon.

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What does your current budget look like? What I'm really asking - why have you only saved about 2 months salary if you aren't currently paying rent, and have no car payment?

Thanks for the tip! I really appreciate you taking the time. I have a lot to think about.

Ok thanks for the advice. So just say I'm not able to roll it into a Roth what would you recommend I do after I max out my 401k. I'll make too much to contribute to a Roth IRA. I haven't made this good of money before so I'm trying to learn on the fly here.

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