Of the old job that I know won’t answer or my new job? My issue is the job I’m at will be closing in a couple months for reconstruction.

$69K is below the median income in the USA.

Yes you do

Ask HR

First mistake is putting any value into what credit karma reports

Then maybe be a little more pointed and a little less general. For the 5-7 year timeframe the OP is in before the 10 year statute of limitations expires, they are ABSOLUTELY able to engage in a payment plan, and hopefully cover their taxes in arrears.

From you posting, I suppose you score a point for 'absolutism' but accomplish little else.

Yay! You're technically correct, but also wrong. I suppose in one sense though it simply points out that the IRS wants their money. You can make a payment plan, and if it's within the timeframe they will play softball.

If you're up against the wall on the 10 year limit, they'll just bend you over and take what they are owed, with a little less nuance and care.

Also, never ever said "they don't care how long it takes". Go back and read again, none of my previous comments are edited. Perhaps you're in such a hurry to make such a non-point you were misreading? It certainly didn't come from my mouth. I specifically noted the 10 year timeframe.

Ease up, Francis.

If I’m being honest I am by no means a tax expert. But I am weary of the number.

It does not seem likely to me an owner operator would owe the exact same amount for 2 consecutive years. Mileage and costs should vary considerably and the income likely did too.

If that’s just an approx for each year and the amount varies between the 2, different story.

It can go either way, so brush up on the resume. And resumes should always be brushed up anyway, even the best, most stable seeming companies can have a “merger” announcement at the drop of a hat and 60 days later you’re gone. Also “merger” that’s so cute. It’s always an acquisition. Definitely let the assurances go in one ear and out the other, they may be true, they may not, but you have no way of knowing.
The key is what is the reason the buying company is acquiring your company?
Are they buying it to get the customer base, do they want some process or IP you have or are they trying to get into the blockchain based cog business Franks is so well known for?

One tip is when you meet or talk with people from the new company, ask them how long they’ve been with the company. You don’t really care how long they’ve been with the company per se, but it opens the door for them to say, oh I was with Dunlaps cog servicing company when Acme acquired us.

I walked and received transcripts, proof of graduation, etc after I graduated. I opted to not get the diploma as it was an additional $2k or something like that. Money that I definitely didn't have at the time.

Okay I will edit to 6k.

It is a government program, the USDA loan program and you do have to go through specific lenders/banks to apply. But they're zero down loans, the houses have to be in move in ready condition (no repairs needed or anything) and they're more income based than credit based (meaning lower end credit is looked at with a little less scrutiny if you can show you have the means to repay the loan)

> I need money for bill

Friend... You do whatever you feel best.

But as an internet stranger who has no skin in your game, your highest yield for effort is likely going to be in evaluating your budget and examining your expenses.

Cash out your money if you please. It's yours to do with as you wish. I'm sorry you feel slighted that you have 401k contributions when you felt like you were never asked. It may be difficult to accept that it may be better to leave the money invested as it seems like emotions are involved.

Good luck to you.

Fair enough! I looked at Tiller but the 79$ a year price tag discouraged me in the end and adding transactions to my google sheet is just part of my routine now. Good luck!

I don’t even have a plan administrator lol

So it is not on my credit report and I had pointed that out to the man on the phone. He said it is up to the university's discretion if they want to go after me like that. He did not have an accent, just an attitude. When I called the bursar's office they told me that the account is too old to find anything and gave me the number to the university collections department (they were closed today due to weather).

OP, you should talk to your plan administrator.

Based on your questions and comments, I don’t think you should navigate this on your own. Talking to a real person close to the situation would be worthwhile

Thats why its asking for an IRA account number. You told them you were rolling it into an IRA

alright thanks for all your help. a lot of great information, i tried to get all these sorted before april

> A lump sum cash distribution of my vested balance, less any income tax withholding. A

This one. I'd seriously reconsider though unless you are in absolutely dire straits

First option

Its asking for an IRA account number because you selected the second option

I've been reading about that. I'd definitely try to reach the final price first before opting to pay cash. Although I heard some horror stories of people being kicked out by the dealer...so financing and then paying off seems easier.

Edit: complete the sentence.

This should have been caught when the finance manager and the accounting office did the deal. And the accounting figures should be on the invoice you received when you picked up the car. If you don't have it call and ask the office manager for it, it will show what happened to your 4000 or whatever the amount was that you put down.

Multiple inquiries at the same time don't have any extra effect beyond just one.

If he was an independent contractor with a semi he would’ve been required to pay his taxes it would not have been taken out automatically. He could very well owe that in back taxes.

You generally can't make a withdrawal while still working there. I'd continue to escelate within Fidelity and HR. Because a 401k is covered under ERISA, DOL might be able to assist as well: https://www.dol.gov/agencies/ebsa/about-ebsa/ask-a-question/ask-ebsa

> you give me another $1200 dollars that is just lost in the sauce.

I would challenge this calculation.

The OP is looking at a time horizon of 20 years.

Properly invested, the value of 1K will likely far exceed 1.2K.