Those two percentages should match. The employer usually takes it out of your check and you never see it. Maybe they used to match 5% and now lowered it to 3%? Is it a new job, or have you been with them for a while?

You should ask your company, but that may be that they will contribute 5% regardless of whether you contribute anything or not.

You may find these links helpful:

• Retirement Accounts
• "How to handle $"

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I’ve been with crypto since around 2015 December. You should be taking profits ALWAYS especially being up 85%!!! That initial investment should’ve been taken out immediately. It’s not the US stock market where you wait 10 years to get a solid 50% return, or lose 70% overnight. shit moves quick and so should you. Everything else looks okay, big fan of the 5$ daily contributions. I’ve been doing 7$ a day for almost 4 years now into ETH. I have a CD as well locked until February next year and send over whatEvers left from my base pay and expenses. Sometimes it’s 350$ sometimes it’s 1200$. Just depends on the month

Best way is to get Loan Estimates from multiple lenders. The CFPB created the Loan Estimate to make it very easy for home-buyers to shop many lenders by comparing apples to apples.

Despite the government's effort, according to the CFPB 76% of home-buyers only get 1 Loan Estimate.

So don't be afraid, now is the time to shop, shop, shop. Credit Bureaus enable all your hits to be counted as 1 inquiry within a shopping window.

Relax...you're doing fine, even if it seems overwhelming. Based on what you provided, you can make it all happen with ease if you make prudent choices. Since you ask for "advice on ways we should be saving/investing together", I'll offer a couple of points. First, keep it separate for a while...I wish you well, but you never know. Double your emergency savings...$33k is not enough for your income and the area. Live below your income level...you'll lose $30k to taxes and you should try to max your investments (IRAs/401ks)...this may seem like a lot, but if you set the habit you can maintain it. Move to the burbs and accept the commute. I-95 corridor has lots of options...maybe look into Stafford. Nice area and you can buy a lot more house and safety down there. Big weddings are luxuries...but they only happen once so follow your heart or your bank account and live with the decision. Rings need not be expensive and in some ways that choice is out of synch with your generation anyway. Bottom Line: You're fine and life is blessing you greatly...continue to make good choices and enjoy the ride. It's only just begun.

I think you're best served by consulting with an attorney if you can afford one.

Give all your money to charity and do good works with your time and effort.

By "overall" I mean "if you view your total income and rent between now and the lease end" instead of viewing it in terms of each month.

Most people have both 401k and Roth IRA

• Invest in 401k to at least get the company match
• If you have an HSA, invest there up to the limit
• Then up to $6,500 in Roth IRA each year
• Still want to invest more? Then dial up the 401k as far as you can up to the limit of $22,500

If he worked as 1099 (self employed) he would file schedule C and can deduct expenses. (Did he need a computer, software, cell phone, mileage, etc)

Awesome - thanks!

Don't worry. It won't get real pricey until the kids show up.

Go to therapy- this really has nothing to do with personal finance

You usually can’t roll a current job 401k into IRA and combining traditional and Roth IRAs is usually worse for taxes than leaving alone. It’s fine to have them have similar contents but they should still be separate accounts.

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

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If I were in your shoes I'd read the FAQ here and read the flowchart.

It depends on the rate of the loans.

I would start budgeting every dollar so I know every dollar coming and going. Understand where the money is going (want vs need). Building that muscle while you are at home will be easier and helpful for when life get more complicated when you're out on your own.

There's no shame in renting as it protects you from the uncertainty of the housing market and affords you more flexibility when you might not be sure how your family needs are going to change in the future.

Our state was Vanguard, and Fidelity is no better or worse than Vanguard. If you despise the Vanguard then don't worry about the state tax deduction and go with Fidelity.

Some states have BAD ones though. I rate Vanguard and Fidelity run ones as good ones.

In general, it's not a great idea, from a risk perspective, to hold a large amount of company stock. You're already dependent on the company for your income via a paycheck. If the company has a downturn and lays off a bunch of people, including you, there's a good chance the value of the stock will also drop in that same downturn. So by holding company stock you are doubling up on the downside risk. Because both of these things are largely out of your hands the general wisdom goes, it's best to sell company stock as soon as you can.

Yeah- it’s also hard to truly know how much I’ll be making July - September so depending on how well I do these next few months I can actually be just fine

They become line items in your budget

If I were in your shoes, I would:

1. Begin budgeting everything and watch every dollar coming in and going out of your checking account. This will help identify areas of optional spend, the sooner you increase the amount of $ going to debt, the sooner the bleeding stops.
2. Do not stop contributing to your 401k to the degree you're securing a match. Every other penny, go after the debt.
3. I'd absolutely move to a lower interest option card if I was able.
4. I'd stop using the cards AT ALL, until the debt was gone. I'd be concerned my habits would have be using the cards for routine unbeudgeted spend while trying to pay it down, which goes against the intent to get rid of high cost consumer debt.
5. I'd make Step one my new religion.

Cheers and wishing you the very best.

Software consultant