And the bank has never, not once, come to cut the grass when I called them and told them it was getting long!

> wife

Sorry, missed that.

Can wife work?

I had some problems with transfers with ally. So instead I just wrote myself checks and deposited it via the app.

My grocery budget of $600 is for my wife and I. Also Includes toiletries and food for my dog.

Grocery bill seems quite high for a single person, especially one carrying high interest debt

Find out what CarMAX will offer, you can do it on their website. If the price is enough then clean the car out and take it down there to sale. Someone at CarMAX will be willing to take you home, most likely, or plan on using Uber.

I'm looking at the calculator and my brain is ready for this right now.... Ugh.

Maybe the last time he filled it out was before they changed the way that you're supposed to fill it out?

CarMax is also super fast, you can usually get it done in a couple hours.

Ooooh I've only been in new construction, that's possibly why!

Also how long should this process take for it to be gone.

I've had both, I rented an old converted bank office into apts in a 1880s building in a downtown area. That had shared hot water paid by the landlord.

I rent a condo now with its own seperate water heater, I pay for the heating my landlord pays the water (HOA fee).

She won’t be able to assume the mortgage if you’re unmarried, no.

You can leave her the house in your will and make sure she’s the beneficiary of your life insurance (if you don’t have any outside of your job, get your own term life insurance now) and she can pay off the balance out of that.

That's entirely possible too, I was taking into account the fact the lease includes provisions the landlord pays for water heating.

I'm sure there are also regional differences with these and also depends on the type of building. Example, a complex with multiple buildings and a few units per building would be different than a large building with scores of units.

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Not just any savings account - a high yield savings account.

A savings account that doesn’t pay market rate interest is also forfeiting quite a bit of money.

Best move is to put the house in a trust and make her the beneficiary.

You'll need to be able to read the meter as well to ensure it stops running. Is the water heating unit in your apartment as well? If the breakers are in the unit and the heating element is not, it's a safe bet that you aren't paying for the heating of the water.

https://www.irs.gov/individuals/tax-withholding-estimator

Fill that out for the most accurate w4

What?! My husband works for a capital city. How can a city W4 from a city be outdated?!

There is no more claiming allowances, you and your husband are using an outdated W4.

Use the IRS calculator to figure out what extra withholding you may need to add.

TLDR: A will to insure fiance inherits the house and enough term life insurance so finance can at least pay off the mortgage. Boom, done. . . First, make absolutely sure that any advice you decide to follow is in accordance with Indiana state law.

Second, seriously consider a short visit with a lawyer specializing in Indiana inheritance law. Initial consultations of 15 minutes or less are either free or low cost. Bring copies of your mortgage documents, title insurance, and any other paperwork from when you bought the house. Along with a written list of questions that you want answers to.

Assuming you have a will, take out enough term life insurance to cover the cost of paying off the mortgage, a years worth of property taxes and home owners insurance, and at least 6 months of utility bills. As well as the costs of probating your will and burial costs.

This way, your fiance won't have to deal with your mortgage company along with grieving and dealing with probate.

(edited for clarity)

Gotcha! I appreciate all of the tips. My circuit breaker is inside my unit, so I could technically test it out if necessary.

That's wild. All my studio apartments have had their own water heater. It takes up a chunk of my closet 😳

This varies by state. In some states the homeowner is the listed owner on the title, with the bank having a lien. Even in states where the bank is listed as the owner, they don't have a lot of powers you might expect of an owner, such as the right to sell the house whenever they want.