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This may be your experience, but it certainly isn't mine. I have ynab because I require auto-import. I've been on both MX and Plaid. There is no time where all of my major bank card imports are working, there's always at least one that won't sync. It's American Express this month again.

You may find these links helpful:

• Student Loans
• Student Debt Relief Megathread
• "How to handle $"
• Debt

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Usually there is no rush. I clipped the letter to the title and stuck it in the safe. You will need the lein removed before you can do anything with the car though.

>Yeah fidelity ask me to contact, hr and hr tell me contact fidelity.... so i just pay that extra $40-60 on income tax just to save the headache

Get them both on the phone. It being Roth 401k makes it a huge mess. See last paragraph at https://fairmark.com/retirement/roth-accounts/designated-roth-accounts/contributions-over-the-limit/ You are going to have to pay the tax on the amount, when you withdrawal from the account. Huge mess and headache you don't want following you around for 40 years.

5 year rule applies to earnings, not contributions.

I thought I did, I’m making an account right now on id.me.

1st, the OP indicated the tax debt is from 2018, 2019 and 2020, which means they have at least 5-7 years before the debt could expire due to lapse of timing.

2nd. The IRS has other levers to pull in the case of tax liabilities. I suppose the OP could 'hang on' for another 5 years, dodge the IRS and hope for the best. For the money they are talking...unlikely. A couple of hundred, probably.

3rd, I would concede as a non-tax professional that your reply does indicate that a payment plan does not extend past the tax due date, which seems counterintuitive, but that's the Gov for you.

Additionally, what you're NOT saying is that the IRS will look to settle the debt through exisiting assests/liquidation/levy of assets.

>Before a PPIA may be granted, equity in assets must be addressed and, if appropriate, be used to make payment. In some cases, taxpayers will be required to use equity in assets to pay liabilities. However, as discussed below, complete utilization of equity is not always required as a condition of a PPIA. Consider levy or seizure in accordance with IRM 5.10, Seizure and Sale, and IRM 5.11, Notice of Levy if there is significant equity in assets.

So let's not make it like a taxpayer can simply run the clock out and the IRS is powerless to settle the claim for taxes in arrears.

Okay thank you! I will keep this in mind

Were there dealer fees, taxes, or registration fees? Did you read the fine print?

saving for kids: https://reddit.com/r/personalfinance/comments/104tjyn/_/j36u2dm/?context=1

I happened to me and several others in my neighborhood. The police department even told me they were investigating the local post office because they were getting a lot of reports and they thought it was a rogue postal worker stealing the checks

I looked this up. Intuit DOES say here that 2 people in the same house can file as Head of Household. But, from reading the bit about both of them having to supply over half of the cost of keeping up the home and caring for the dependent, I'm thinking the only way this makes sense is if we're talking about 2 different dependents. You both can't be Head of Household with 1 dependent between you.

https://turbotax.intuit.com/tax-tips/family/guide-to-filing-taxes-as-head-of-household/L4Nx6DYu9

> Two people can both claim head of household while living in the same home however, but both will need to meet the criteria necessary to be eligible for head of household status:

> You must both be unmarried You must both be able to claim a dependent as a closely related person That dependent must reside at the same residence for more than half the year (or, in the case of an elderly parent, they can live elsewhere but you must still have provided them with at least half of their support) They both must have paid more than half of the cost of of keeping up the portion of the home for themselves and their dependent(s).

It was 28k not sure if that information is relevant to how much taxes and fees should have added up too this late I just wish I wasn’t so misinformed 😅

Thank you for the help

*keyword* "typically" that's funny, I have multiple accounts both on my TransUnion and different type of accounts on my Equifax that all fit in a nice little category. I'm not saying everyone here doesn't know what they're talking about. But maybe study your credit score a little closely with who reports to what. All these accounts are over 2 years old. So it's surely not the credit union doing dumb shit over a reddditors response.

Get copies of the tax returns and read them. Taxes are not mysterious. You list the income from self employment, subtract the expenses and come up with the profit.
From there you get to subtract exemptions and deductions. Then you take that number and look on a chart. I'd cetainly want to double check those returns. He could owe that much, depending on what he made.

Yeah fidelity ask me to contact, hr and hr tell me contact fidelity.... so i just pay that extra $40-60 on income tax just to save the headache. roth isn't tax in retirement i thought, only tradition, i just pay income taxes on $451 twice no? i just wanted to make sure there wasn't a wait period of 5 years or something if i roll over roth 401k to roth ira.

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

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Give the money guy podcast a listen, also look at the wiki here/prime directive. Absolutely max our your 401k contributions. First and foremost, fight the urge to raise your lifestyle/expenses to the new salary. Manage your budget and be deliberate. your future self will thank you.

1. Have a few months of emergency savings/enough to cover your deductibles.
2. Get rid of ANY debt you have in that $650 budget. (Car, Cards, Loans etc.)
3. You can start setting aside more in the format you choose (brokerage, etc)

Lots of good info out there. Cheers and congratulations on the new gig!

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No, you buy one bond of X dollar value. If you want to add some you buy another bond.

Digital title on file with state is way better then trying to hold on to a paper title

You and every other American... I can count the number of people I know that did not get them on one hand...

> Where do I find that?

In your IRA account

Do you have an IRA?