Can I use any type of taxable account? Or is there a difference?

Selling a house takes time and you aren't guaranteed to be able to sell at a price that will break even, let alone be profitable. Counting on being able to sell later when the chips are down is not something I would do.

Im a frequent traveler as well.

I own an apartment in my home town. It's my "home". I didn't see it for 3 years. But I still owned it.

Its where I have stored all my stuff and it's fully furnished. When I'm not there, I get it rented long term.

I've traveled for 6 years fot work. Working playing for housing all that time and my life fits in 2 suitcases and a carry on. It's really fun. When I feel unsettled I remember I do actually own a house I can go back to at anytime.

So for example, if I contribute $6k in my IRA in 2023, in 2024 I can add more money?

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

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The wiki has a lot of great info - might be helpful for you. Take a look.

Cash Corolla for $8k.

Trucks are stupid expensive currently, even old high miles ones.

You owe 19 and it’s worth 5-6? I imagine private party is a bit more but nowhere near 19. You don’t really have any good options. Is is in good shape? Reliable? If so, your best bet may be to keep it while doing whatever you can to pay it down. Odd jobs, sell stuff, other ways to increase your income or reduce expenses?

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

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The wiki has some advice that might be useful for you. Take a look.

So the thing about the target date fund is that it gets more conservative over time and stays in bonds, cash, and money market funds as you approach retirement. That way if the market crashes a year before you retire you don't lose as much of your retirement savings.

Another thing to mention is it is going to be hard to outperform the target date fund without a lot of micromanaging that you might not have time for.

My plan is to keep most of my money in the target date fund and experiment more with say 10-20% of my account, but I do think you should have most of it in the target date fund, at least until you have a proven strategy which outperforms it.

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You can't contribute more than $6k towards IRAs each year (at your age). If you want to contribute more towards retirement, you could use a 401k if your employer offers one. Otherwise, you would need to use a taxable brokerage account, which isn't tax advantaged.

My mom said she didn't trust online banks either lol my measly 6 months is nothing to 52!

Down payment? Payments? If you buy a want, buy it in cash. If that makes you uncomfortable, you can't afford it.

Also, rent never ends. Mortgages have a payoff period or amount.

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You can have as many IRA accounts as you want. But the contribution limit is for ALL IRAs. Once you contribute $6000 to any of them, that’s it for the year.

I assume you mean w4, not w9.

That was never allowed. You are required to fill out your w4 accurately and will owe penalties if you under withhold too much.

If you don't want to spend time watching it, put it in the 2040 out 2045 target date fund.

If your goal is to leave everything to a large nonprofit, the easiest thing to do is to just reach out to their planned giving arm. They have lawyers who will happily write your will for you where they get everything, and it will be rock solid.

you should get an actual lawyer to have a secure will rather than rely on any online service

In some jurisdictions it’s hard to entirely disinherit family so the typical advice is to leave a token / symbolic gift to relatives you wish to exclude, rather than excluding them entirely. So maybe leave Mom’s old china or $100 to your sister (and any decendants if she predeceases you) so she (they) can’t claim they were overlooked.

I have one so far, lol. If the limit or IRA'S is $6,000, then how do you place more? By having more IRA accounts? And if so, can you combine them?

This was exactly the answer I was looking for. Thank you.

I used to "save enough for both of us" until I finally maxed out my annual contribution limits, then I had my spouse begin saving/investing on our behalf too. By that time, they had gone back to work and had income of their own.