Will I be paying interest that whole month for the remaining (running balance? not sure what to call it), even after I pay the remainder of the full statement balance a bit late?

Rent a place for 4 years and call it a day.

Pay the $25 fedex fee from originating 401k to go directly to the fidelity and have check titled Your new 401k company for the benefit of you.

And POA can be limited to very specific parameters.

What’s the loc interest rate.

Credit card debt needs to go.

How is your budget going? Saving?

I'm not seeing the phrase "safe harbor" either in my post or OP's.

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I would try contacting support of you want access. Have you ever pulled a free credit report successfully?

If you just want high yield savings, Marcus is a good choice. They push and pull funds fast and also have access to a 13 month no penalty CD at 3.85% if you want to earn a little extra but not tie it up for too long.

If you want a bank that offers both free checking and high yield savings, I like Alliant, Ally, Discover and CapitalOne.

Alliant is a bit behind in rates at only 2.7% while the others are around 3.3%. But both Alliant and Ally have very high mobile check deposit limits, 1 day ACH transfers and ATM fee reimbursement ($20/month for Alliant and $10/month for Ally). Ally also offers a 11 month no penalty CDs at 3.85%. You can also deposit cash at certain CO-OP ATMs with Alliant while you can't with Ally and Discover. CapitalOne you can but only at their local branches which aren't nationwide.

100% cancel right now.

Have you deposited any money to your Roth IRA with NwM? If so, just contact Vanguard, Fidelity, or Schwab and open a new one and tell them you have one to transfer over. They will help you move your NwM to them.

If not, then just close your NwM IRA and open one at the above.

Fly out, get physical cash, fly back.

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Pay as much as you can before it's due. That way you don't take the hit of a "late payment" and you'll minimize the amount of interest accumulated. As soon as you get the money, pay the rest of the bill

>If I go to Wells Fargo with RMB and deposit it, won't it be converted to USD value in the account?

On a standard US Dollar based account yes. But you can open an account with banks that are denominated in other currencies. See https://www.expat.hsbc.com/multi-currency-accounts/ for example.

Sounds like you should add a high end suv payment into that list of optional (I would out groceries on the necessity side) priorities and see where it falls.

We have don't have a very complete financial picture to really assess how much you can afford. IMHO part of having a higher income to me means less financial stress when things come up that might give a family with a more average income cause for great stress and concern. I think the easiest way to do that is to live under your means and have a more than adequate emergency fund.

VFIAX. Its expense ratio is half that of the target retirement date fund.

You have many years to invest in something else, or move the money when it is age appropriate. You don't need to pay double the expense ratio for someone to do that for you.

Thank you for your replies!

What's the best way to make a small fortune?

Start with a large fortune and buy a boat.

I figured they were screwed on days, but for this application what does “safe harbor” mean and principal residence is under there.

Yes, I was talking about monthly payments, sorry. And perhaps it's not a rule, I just did a search in the reddit task bar and saw it repeated in all the "how much car can I afford" posts.

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I didn't think that was an applicable rule for me because 15% of 24k is 3k+. Don't think I can actually afford that.

Thank you for your input. I will definitely look more into it and possibly, most likely, close my accounts with NWM.

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I've been involved in two M&A where a public company was bought by another public company, and part of the deal was cash -- in both cases we got a cash lump they called a "special dividend" plus stock in the purchasing company.

One is my employer, so for privacy reasons I won't give you any info there.

The other is Terra Industries being bought by CF Industries. I can get back to you tonight with how I handled both of those. I think in both cases the guidance we received was that the cash dividend was treated as a dividend, and 100% of the basis in the little-fish ended up in the basis for the big-fish.

This? https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-hardship-distributions

That just means you're allowed to take the withdrawal for that reason. It doesn't mean it's exempt from the 10% penalty.

> Hardship distributions are subject to income taxes (unless they consist of Roth contributions). They may also be subject to a 10% additional tax on early distributions.

I've been using https://copilot.money/ for a little bit and so far I've enjoyed it. Currently only available on Mac/iOS though.