Instant transfers are worthless. Pay with a credit card and pay off with savings, you have up to a month to transfer the money depending on purchase and due date.

I’ve found the most effective way to get a raise at your current employer, is to have another offer (or offers) from a different company. Gives you the ability to walk away if the number you want isn’t there.

Your post reads as if your employer would have no problem trying to get over on you which gives you an even better reason to seek out other options.

Why do you think you can only do one per year?

Having a mortgage isn’t just about the initial monthly payment. It often goes up due to increase in property taxes and/or insurance. You will also need to factor in the cost of maintenance. You never know when you’ll need to replace a roof, appliances, AC, plumbing etc.

You raise multiple good points, would you recommend we rent a home that is would cost roughly 1k/month and split costs, because that would still cost significantly less than room at college.

Ya. I'm slowly DCAing into equities but I keep telling myself that there's another leg down and I'm making a mistake. 😂

I found how much of the total is just fees and refunds/cancellations. I have the majority of sales but there's some from early last year buried somewhere. I'll find em

Was everything sold at a loss, or was there a mix of gains and losses?

You may find these links helpful:

• General Information on Rollovers
• 401(k) Fund Selection Guide
• Retirement Accounts
• "How to handle $"

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I’m sorry I made the post too quickly. I have a good credit score so if a bank sees that I’ve paid off months of the loan, will they have a higher chance of accepting me?

Bonds are all virtual now and a little more complicated to buy. We converted all of our son's paper bonds to digital and it was a hassle. The account number is complicated and not easy to remember. If you want family to buy bonds for the grandkids they need the account number and need to be digitally savvy. I suggested we buy some bonds recently and my husband didn't want to go through the hassle because I think you can only buy 10k per person. He didn't think the return was worth the hassle of the website. We do have CDs that we have laddered to mature every 2 months.

Are your parents willing to cosign a mortgage for a bunch of teenagers?

> So I was really just wondering if getting refinanced is easy

Your OP title asks a different question.

"Easy" is a relative term.

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It isn't lost, it's just in your email. Go look for it. Don't be lazy. If you don't find it, you are paying the full amount, because that's the 1099 that the IRS will receive. Adjust income without documentation at your own risk

If you can pay it off quick and need the car… I don’t see a huge problem. I see a problem if this loan goes on for 3, 5, 6 years..

No you cannot. The parents would also have to be added to the loan. I have seen parents buy a house in a college town for their kids to use while in school. I’m fact my parents did that when my brother went to school. But my brother wasn’t on the loan due to lack of qualifying income, credit history, etc.

Great questions! I'll do my best.

1a) In general splitting investment money between pre- and post- tax vehicles is smart. Good for you! Yes, Roth accounts function sort of like super high interest savings accounts. After a few years you gain the ability to extract your principal (the money you put in) just like a bank account with zero hassle or tax problems. Obviously I'd recommend not doing this but it's nice to know in case of emergency.

1b) The issue is that your ability to put money into Roth accounts varies based on your income. At a certain point you're no longer allowed to put money into Roth accounts if you earn too much money. I'd recommend you talk to a "fiduciary financial advisor" about this as your specific case is for you only.

2a) Your job matches 35%? Of what? That sounds like a confusion. Most jobs match based on your salary. So terms to look for are a percentage MAX and a percentage rate. For example my employer matches half of my contribution up to a maximum of 3%. So I need to put in 6% of my annual salary in order for my employer to give me 3% of my annual salary as a match. It doesn't sound likely to me that your employer actually matches up to 35% of your annual salary, if they do, that's a sweet gig.

2b) You should talk to you HR or payroll departments to clarify the match and figure out what you need to contribute to get your maximum match. Yes, then stop contributing and pay off your high interest debt. Maximize first, then pay off the debt is the "smart" path, if you can afford it.

3. Yes, I think it's smart to maximize your 401(k) match first, then pay off debt. I wouldn't go over the match though, I'd get it, and then pay off debt.

4a) REKTX is something called an mutual fund that is designed to appeal to people who want to retire around the year 2055. It's basically geared to be in high risk/high reward investments now and slowly over time move money to low risk / low reward investments as you get closer to retirement. That way you know what you have at retirement and aren't at risk of a market crash making you bankrupt the day you retire.

4b) Personally, I'd just keep dumping money into the 2055 fund if that sounds like approx. when you're going to retire. There are other funds usually in 5 year brackets you can jump to if that's not the case. If you're looking more like 2040, or 2065, there are funds that you can switch to for that. Personally, I'd not recommend the S&P 500 as an "all in" plan as that's a very high risk basket for "all your eggs". The retirement date funds are intended to be a "fire and forget" type of long term investment and are perfect for people who don't' want to micromanage their finances. If you are interested and would like to take more control over your investments again I'd advise you get a fiduciary investment planner to help you.

As a final word of advice, the key word in hiring someone to help you here is "fiduciary'. That term means they are legally bound to advise you and make choices in your best interest, and you pay them for their time. If they don't have that term, then they don't have that legal restriction and can advise you to do whatever they feel like, including expensive services that they receive kick backs or compensation for selling you on. Fiduciary agents work for you to make you money, non-fiduciary agents work for banks and financial services to make them money.

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bonus isnt salary, what does your position pay as average? how many years experience do you have doing it, there are a lot of questions here. generally, if you want me to work more than 40 hrs a week, we have a deep talk about the exchange in quality of life versus renumeration. basically, i need to get paid more to give up my life for you. only do salary if the benefits are way more. and get it in writing. a job descriptoion with expectations. no handshake shit. also, 54k for 55 hrs a week is not great. depending on where you live, could be minimum wage, or could be okay. as i said, find out how much people make for the saem job in the area. then add more for your experience and treaining. and come up with a number you think is fair, plus 15% on top for room to negotiate. and be prepared to jump if they wont be fair to you. dont fall for the oh, i pay you so well, or, i will give you a bigger bonus. get it in writing. or get more time off. or more vacay. just make sure you can live with it.

I'd be looking for a higher wage job, and especially one that doesn't rely on bonuses to make it palatable.

Bad idea. Drop out rate? Money for repairs?

One should buy the house and rent to the others. Kick them out if they do not pay or break house rules.

Oh, how to enforce house rules?

Can it do future cashflow estimates by looking at expected income and recurring payments (with estimated dollars) based on invoice due date?

I don't see any of this working out. There are just too many moving pieces. Renting is ideal even though it's more expensive. You're paying for the luxury of flexibility and freedom. At this point in your life, that is what is most important. Don't tie yourself down to anything.