Thanks for the advice

Do you mind explaining the difference of indirect IRA to IRA vs Trad to Roth? I was under the impression I’ve been doing Traditional IRA to Roth IRA but don’t understand the indirect concept

Also, I was shocked by the approved car auto loan too. So looking at Credit Karma, this is what I deducted (because I actually view and *do* care about my credit score). My TransUnion has my car loan, and the Chime Credit Card. Since it only has those two, and my payment history is so good, my credit score for Trans Union is over a 720, which is what they *I'm assuming* they only used for it.

I agree you’re right

It is cheating

But in my opinion can be used to save more money if done wisely

Thanks for your help

It’s true, but I was going to get a root blend so it wouldn’t grow out harshly next to my natural colour. But you’re right blonde is expensive to upkeep

Can you put some of it on a credit card and get the 401k loan and or employer reimbursement before the bill comes due?

You don’t need to contact NWM. Just setup a Roth account at a discount brokerage, and initiate a Full Account Transfer. You will need to provide a NWM statement with the transfer form.

However you will need to contact them to cancel the whole life policy. You won’t get any money back from your premiums paid. Consider these premium $s paid as a stupid tax. You won’t make this mistake again.

I’m assuming from the post that this is most likely the adoption of a future newborn child?

I know that if you adopt through foster care the costs can be minimal/much less, but it seems this is most likely already planned/set in stone for the most part.

This is an article about grants some are able to get for adoption costs - maybe look into that depending on income limits?

https://lifesong.org/2022/04/adoption-grants/

Good luck!

Is this the same advice you'd give to someone talking to the police? Cuz it's pretty much the same thing.

Thanks for the advice

This is exactly what I will do, thank you!

I chose FSKAX for my Roth IRA, is it suggested to invest in different things for the Roth IRA or keep it all dumped into one fund?

I'm going to try my hardest to max it out after I pay off my debts!

I love this idea and would support you all the way if you can find a way to get a bank to loan you guys money. A lot of people here are speaking out of fear but houses do appreciate in long run so all those fear of hidden cost are none sense, especially it’s not a side business, it is a necessity for you (you need a place to stay). Do get a lawyer too to draft out the contract, it’s like a prenup for marriage, just in case of anything like agreeing the exact time period to sell, how to split extra fee, everyone’s time commitment on miscellaneous… etc. 100% you won’t regret this if you decide to buy a house together.

At this point you owe the bill. In the future you need to reject tests you don't want to pay for.

Were there 1 or 2 tests that were just way more at the other lab?

Thank you!

Yes, but most of the time we don’t have lump sums. We earn X dollars, and we can afford to invest Y of that. So every two weeks or month, we should invest Y.

It still looks like a steady trickle, but DCA is doing that on purpose, and “continuous lump sum” is because there’s only so much money at any time, but it gets invested immediately.

I’ve been laddering t-bills which have been doing way better than cd’s. Pulled the plug to close distressed RE now that prices have dropped out of the stratosphere.

You’re right, thank you for the reality check

Good advice thank you

I don’t need to get my hair done, I’d just feel a lot more confident with it done. I’m going to learn how to get better at doing my hair

It’s because curly hair salons are so expensive and then colour is an added expense. Because of the responses on here I’m going to focus on saving that money

This is totally allowed. Not only borrowing, but flat out taking/moving money from one category to another. A flat $200/month is not a really good budget for shopping like clothes - some months you may be under $100, but once in a while you may find a good deal or something that fits super well and you want to spend 5 times as much. As long as you're able to cover it from another category without dipping into debt, go for it.

There is a popular budgeting app called "YNAB", and they have a set of 4 guiding principles. This adjustment of categories is number 3 of the 4 rules: https://www.youneedabudget.com/the-four-rules/#rule-three

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

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