I buy indexes, and never plan on selling a single share (in my taxable accounts anyways). I live by the “buy, borrow, die” philosophy where you just leverage your assets when you need to.

With that said, I don’t know Edward Jones loan rates, but I’m sure they suck. I use Interactive Brokers for anytime I need a securities loan.

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Regular banks make money from investments and loans. Regular checking/savings are just a bonus feature to stay feature competitive. They could care less if a checking customer left

Such a strange mindset to me. People give gift money to a child, and there you squirrel it all away for later when they are making money on their own?

Unless explicitly mentioned by the giver, I would use this money to enhance their childhood experience. Family trips, cool science projects, school clothes and supplies, etc...

If they pay it another way there isn’t any reason they can’t then submit for reimbursement and then the HSA will send them the cash and it wouldn’t be taxable since they are being reimbursed for a Dr bill. I do it all the time, pay medical bills with a cash back credit card and then submit to have myself reimbursed.

Can you sell stuff to pay down the balances? You are in emergency mode: dump the gaming consoles and eating out and ANYTHING you don't NEED to live on. eBay, Craigslist, local Nextdoor postings -- sell everything you don't need.

Pride's got nothing to do with it. You should be proud you are facing this stuff head on -- take that win. And do EVERYTHING you can to show your partner your appreciation for their efforts.

Amex reports as new account. Also Amex Platinum does not have a credit limit therefore most scores will ignore it and since you don't have any other credit card they won't calculate "credit utilization" which makes up 35% of your scores.

Have them add you to non-Amex card. And if they use Amex for everything and have some old Sears card from 1998 that's siting with $0 balance it's a perfect account to add you to.

Yes, you can submit for a reimbursement.

Yes. It is in your best interest to negotiate. Be prepared to justify why you are worth a 15% raise. If they refuse, then jump ship if you can find a better offer. If they offer you a raise after you give notice, decline it - they had their chance.

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Have them add you to two older non-Amex cards that have a high limit and report a low balance.

Give it about 30-45 days to show up on your credit report.

In the meantime I recommend you go on www.annualcreditreport.com and pull all 3 reports. They'll probably ask you to mail in with 3 forms of ID. That's fine, do it. It'll help in the next step so when you apply for Discover card they can verify your name, SSN, etc with Equifax, etc.

Then I recommend you start with unsecured Discover card.

In my experience job hopping is the best way to get a raise.

On average studies show people typically get a 3-4% raise. This isnt a rule but it's generally accepted for the standard yearly raise.

Companies treat employees like cellphone providers treat customers. They are unlikely to try and keep you but they will do anything to get someone new. Even with employers struggling to hire.

I've worked with several companies who seem to accept people will start here to gain experience, leave and return on a few years to double their salary. People who stick it out tend to make significantly less.

There should be an option on your hsa account to submit a claim for the amount of the doctor bill then you can withdraw it that way. It should just require the receipt or bill of what it cost, hope this helps.

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I have a job so none of the equity would go toward rent.

I would just reach out to the irs yourself and ask how much you owe to verify.

If they didnt pay their taxes, it wont just go away.

It is my understanding that withdrawing cash is taxable.

You need to use it for qualifying medical purposes.

Is there reliable bus service in your area you can use while you pay off the mustang?

It doesn't matter what someone else says. Attacking other people is not acceptable here. Do you agree to follow the rules going forward?

Other things could have changed in the past month since the last time they pulled your score.

Also check the date, it could be they pulled that score before you even applied for the card.

no debt, i have 1 other credit card but it’s much newer. only 3 or 4 months old. the one i want to close is a few years old. no debt and i don’t anticipate any particularly soon.

Oh man, so I just went through the hassle of buying a car in November. Two weeks looking for the car I wanted and going into dealerships to "negotiate." It was a pretty bad experience.

I was looking at a Kia Telluride, and the dealership put a $5k market adjustment just two lines below the $5k savings. The answer we got was "thats just how it is." We reminded him that he told us he would waive the $5k we came in today, and he said he couldn't honor it. Waste of 2 hours as they treat you like a dummy the whole time. I also had another dealership raise the price $2,000 and drop it $2,000 making it look like a deal.

If it did drop 58 points for just an inquiry or 4 then you just need to keep adding accounts until you have a more solid credit history.

Building credit is a marathon, not a sprint, and in the long term you will benefit from opening new accounts as long as you pay in full and keep your reported balances low.

So I'm going to assume by savings you actually mean your investments. If this money was actually stored in a savings account then what I'm going to say won't apply. To play devil's advocate EJ was providing you some pretty solid advice. There's some pretty significant downsides with selling investments to pay for home improvements. The biggest one is your forcing yourself to realize gains on your investments. Depending on your situation this could result in a significantly larger tax bill. By recommending a line of credit your advisor was providing you a cheaper alternative to pay for the repairs. Back in 2019 rates were pretty low so you could have borrowed this money pretty cheaply. If you use your home as collateral then then you'd probably be paying around 3.5%. since you used the funds for home improvement you are then allowed to deduct the interest you will pay from your taxes.

There are, today. If I remember correctly, OP-age + 30 came out to be 56. So yeah, might be able to retire at 55 and access the 401k without problem. Or, Congress could intervene and change the rules.