Forgot the mention: you should have been offered a prospectus for each fund before you bought it. Each fund should also provide an annual report. This information should be in these documents, too

Investing is the long game. Put it in and leave it alone. Keep adding to it. Ignore the current market as that is irrelevant in terms of multi decade investing. That’s how you build wealth.

Part of the rules of thumb in car affordability is “future proofing” your car purchase.

Can you afford market rate rent with that $400/mo car payment? If for some reason mum can no longer provide a well under market roof?

If you have a lease, they can't increase the price until the lease ends. But your lease has ended, and you have been month to month for a year. Now, they've decided to raise the price. Yes, they can raise the price. Yes, they can demand you sign a new lease if you want to stay. If you don't want to agree to that, then you can move out.

You can at least try to negotiate. For instance, offering to pay the 10% increase, but staying month to month. Or possibly agreeing to a 3 month or 6 month lease, then month to month. They may or may not agree.

Yes, you can afford it. Just like anyone else on here would say, I'd recommend stocking up your IRA and getting that 401k match right now while you're in a position where you can afford to do those things and get that sweet, sweet compound interest, but that car payment isn't going to kill you. Make sure you are getting the best interest rate you can and are buying a reliable vehicle, but that price range is in your budget when including fees and taxes.

For reference, I pull in about $2700/mo net ($5800 gross but I save a LOT because I am luckily in a position where I can) and my car payment is $295/mo. It was $28k and I put $14k down though (the trade-in for my previous vehicle.)

You may find these links helpful:

• Retirement Accounts
• "How to handle $"

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Your month to month lease likely gives either party the ability to end the lease with X days of notice. They're exercising their option to ending the lease.

Sometimes the IRS will completely discount the amount owed based on an analysis that shows he will be unlikely to earn more than he earns now during his lifetime. It’s called an offer in compromise and it permanently settles a tax bill for good, for less than what is owed.

Please tell your dad not to stress too much because though this is a drag, In the scheme of things, a tax situation like this is manageable. It’s going to be OK.

And once you get the bulk of this done, you can save money by using the taxpayer advocate’s office for any future probs.

If being able to buy fractional shares is an issue. Schwab only lets you buy certain stocks in fractional shares. Fidelity does not have the same restriction or is not as restrictive as Schwab with fractional shares.

My greatest joy in this life is bass fishing, so I am 100% okay with financing a boat instead of waiting and letting the years slip by just to save and pay cash.

I paid off my last $25,000 boat in 2.5 years. My car and truck are paid off. My house payment is less than $1000. I save 20% of my income in retirement investment accounts. My emergency fund is 9 months of income.

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Nobody can force you to do anything.

You can choose to move out.

I'm not sure this is an option as they are older and already receiving social security benefits.

I’d be happy to help manage the budget and contribute where I can, but I am not confident that this will make any difference in their spending habits; they have already been meet with several significant financial crises over the years (unable to pay mortgage on time, major housing repairs, inability to afford medications) without any change. If these experiences haven't motivated them, I am afraid my input on a budget will be futile.

So you were still working while getting treatment? Were you not eligible for FMLA? I'm trying to figure out if they laid you off while you were under medical care. Right now, you can sign up for unemployment. Also, look into financial aid from your health provider.

Always smart to have a 3-6 month emergency fund. If you’re concerned about the market tanking after you make a large deposit, take your budgeted amount and divide by 6 or 12 and just DCA into the market over the next few months.

Have you checked out Quicken? Their Windows product has quite a comprehensive set of features....

Probably find a new doctor.

Check the lab cost and insurance coverage before you go there.

Also check your insurance EOB.

> I do like Schwabs UI better but you really can't go wrong with those three.

Schwab has ruined their position view with a new version and now it looks all cluttered and crap. I'm actually looking to move my accounts elsewhere.

You're buying way too much car. You should be looking for a ~10 year old sedan with around 100k miles on it in the 8k to 10k range maximum. And you should only buy it after you save up and pay cash for it.

The CU should sent you the vehicle title.

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Ok. Thank you . I'll have to verify me clicking "single" doesn't affect my other information in our mil pay system. Still shows "0" for exemptions. I'll have her select single on hers.

Thank you, bot!

What makes you think the transmission is going out?

On your w4 form you use the single setting for withholding. This is just for a math equation to make sure enough is withheld. It is not selecting a filing status.

When you file your tax return, the 1040, you file as joint.

You both select single, Both of you. You need to update your w4 too. Don't use married/spouse also works as way too many employers are messing that setting up.