You probably paid deposit and last month rent. You owe first month's rent

If you have never entered into a mortgage before, a big bank or RM will make everything very easy for you - but it will cost more.

If you have done this before and feel comfortable with the mortgage process, a good CU will win on price. I got a hell of a deal with Penfed CU a couple of years ago.

Rent was 650 and the Security Deposit was 650 as well

Don’t forget the landlord’s tip too, out of thankfulness

You will need to provide more information about your situation for anyone to provide meaningful advice. What did the 1300 cover? What is the prorated rent for? What does your lease agreement state?

These are the 2021 limits for contributing directly to a Roth IRA: if you made above 125,000 MAGI filing single, or above 198,000 MAGI filing jointly, then you could not contribute to a Roth IRA anymore. However there is a process called a backdoor Roth that lets you first put your $6000 - $7000 into a traditional Roth, then you transfer it into the Roth IRA. The issue is if you have money in the traditional IRA, then you will have to pay tax on a portion of the conversion (the PRO RATA rule). If you had rolled over your prior 401K into your current 401K then no worries about the pro rata rule.

There is absolutely nothing wrong with having assets in the 401K, the traditional IRA, and in a Roth IRA. You have flexibility there. But it does complicate contributing to a Roth IRA for high earners.

I was going to suggest paying off the lowest amount first and rolling over its payments to the next highest amount.

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It is not uncommon for the listed beneficiary at the financial institution to supersede a Will.

You say that you set up beneficiary accounts, but did you actually update the named beneficiaries on your Grandfather's account before he passed?

This gets bashed...but whatever. The more you pay down your principle, the better throughout the life of the loan. The sooner, the better. You pay interest every month you have the loan out based on outstanding principle. The more paydown, the fastest possible will save you money. I paid down over 100k in my first year ish and probably saved 100k in interest and over 5 years in payments. I like that ROI. Not optimized, but not a bad way to go. I'm back to minimum payments now 2 years in.

If you really feel like you were scammed and it went down like you said I’d attempt to argue with the dealership to get these things removed.

Odds are they won’t, but you can try.

Mortgage guy is right. Essentially you are applying for a new credit card with a 0% introduction period and a clause that says if you go over you owe the full amount of interest.

Why can’t you delay the engagement? My wife and I bought a house together a full year before I proposed to her. That was 10 years ago and the house has appreciated significantly while her ring is an overpriced rock.

Start here: https://www.reddit.com/r/personalfinance/wiki/commontopics

Not any kind of expert, but generally.... beneficiaries on IRA accounts are *separate* from the will. So any arrangements you made about the will would likely not to affect the distribution of the IRA. At least that is my understanding.

(The corollary to that is that a beneficiary of an IRA doesn't even need to be listed in the will and does not need to wait for probate in order to collect their money.)

1. Pay off the debt. It's a 12% return on your money
2. Take the $130/m and set it aside. In 12 months, you have your $1500 investment.
3. Sell stuff on eBay, CL or get a side hustle and come up with $1500 with the $130/m even faster
4. Reduce eating out, cancel Netflix, cut your expenses to NOTHING other than committed expenses, and add this to your $130/m and #3 above

Stay out of debt at all costs until you have drastically changed your lifestyle. Why do you want to work to give other people your money?

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

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They Follow the flowchart.

My generic advice:

https://i.imgur.com/lSoUQr2.png

Here is the flowchart from the r/personalfinance subreddit’s Prime Directive. If you follow that, you will be ahead of almost all of your peers.

Stop by the sidebar to see the Common Topics, which include basic money handling and investing.

You don’t need to talk to anyone or buy some random book to do this. You have all the tools right here.

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

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

I love the flowchart! Here's the wiki page with more context and information.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

Follow the flowchart.

My generic advice:

https://i.imgur.com/lSoUQr2.png

Here is the flowchart from the r/personalfinance subreddit’s Prime Directive. If you follow that, you will be ahead of almost all of your peers.

Stop by the sidebar to see the Common Topics, which include basic money handling and investing.

You don’t need to talk to anyone or buy some random book to do this. You have all the tools right here.

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

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

I love the flowchart! Here's the wiki page with more context and information.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

Follow the flowchart.

My generic advice:

https://i.imgur.com/lSoUQr2.png

Here is the flowchart from the r/personalfinance subreddit’s Prime Directive. If you follow that, you will be ahead of almost all of your peers.

Stop by the sidebar to see the Common Topics, which include basic money handling and investing.

You don’t need to talk to anyone or buy some random book to do this. You have all the tools right here.

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

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.