Thank you, this was helpful.

I meant I don’t know the $900 part. I understand the Roth account provider will calculate the associated losses/gain that comes with the ~$900.

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There is a lot here to think about. As a background; I started with the federal government ~12 years ago, am currently a GS 12, and have a good shot at being a GS13 in the next month (let my interview go well).

1. Look at room rentals if you want to be in the DMV. Areas like Temple Hills are cheaper, but have much higher crime rates.
2. The further out you live, the cheaper housing gets. I commute ~50 miles by train and pay less than half DC rates. Nearly all of my coworkers commute by rail.
3. The fed subsidizes rail/bus/subway. I pay nothing for transportation to and from work and never have.
4. Promotion potential: there’s no real upper limit given personal ability and time. My current Director is someone I helped train. My desk today sits ~10’ from where my desk was 12 years ago.
5. Work life balance. Generally you can make more outside the government. Getting better work life balance and job security is much more difficult. When 5:00 hits, most positions require you to stop working. Not accounting for alternate work schedules (AWS)
6. AWS: most agencies will allow you to set your work schedule, within certain broad limits. Generally not before 6am and not latter than 6pm. Four 10 hour shifts per week is a common choice.
7. If you want to job hop a little, it’s much easier to get a federal job if you already have a federal job.
8. Benefits: They tend to be very good. Vacation time is separate from sick time, health insurance is very good, subsidized commute, pension + 401K
9. High job satisfaction. People don’t tend to leave federal employment without good reason. Retirement is a popular reason. You’ll find a lot of coworkers with 20-40 years of experience.

This is fine but not the cheapest way

It states rent should be paid by the 3rd of each month but considering I moved in on the 17th I wouldn’t receive any late fees or am I mistaken?

I’d have 0% interest on the Lowe’s card. Would hopefully pay it off by the end of the summer

Ok thanks. So whatever the business profits, I profit, and owe taxes on.

What did the Roth IRA provider say when you asked them to remove excess contribution? Usually, the IRA provider does the calculations for net income attributable, not you or your accountant.

Also, have you considered doing a recharacterization instead, if you are going for backdoor Roth?

Once I have a purchase order, I go get an insurance binder from my insurance agent and then to my credit union who cuts me a cashier's check made out to the dealership in about 20 minutes which I take back to the dealer and hand to them.

Since yours doesn't have any locations, you have to talk to them and to the dealer. Maybe they can wire the funds, etc. But different places have different policies.

Not last month. the last month. You won't owe the last month. Check the lease

But my Move in Date was two weeks ago(Feb 13th) I wasn’t a tenant last month?

12% is crazy expensive. That debt should be paid down as quickly as possible. You are talk about putting a project on a Lowe's CC, what's the interest rate on that one? How long do you think you will carry that debt?

Yeah there's only upside to paying off your car faster. If you're making $1500/month and basically paying around $900/month between your car payment, CC, and insurance/gas, there's no real downside to paying it off faster. Even a couple hundred a month extra will make a huge difference. Presumably, you have a safety net with your parents and don't need to worry about rent/food/etc., at least right now.

The other thing you can do, of course, is try to find something that gives you more hours or pays a little better.

Cool car.

You may find these links helpful:

• Retirement Accounts
• "How to handle $"

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When does your lease start? It sounds like you moved in mid-month so that $250 might be pro-rated for February or may be some other cost. You’re probably best served by asking “what does this fee represent?” in writing to your landlord so that you’re both on the same page as to what you’re paying.

Usually they want last months rent so you don't skip out

I think he paid for march's rent, and owes the prorated amount for february.

Unless elected as a corporation, a LLC is a pass through for all income and all taxes.

• If elected as S corp, income and income tax are passed through. Not payroll tax. Some states may tax S corps or charge business license fees.
• If elected as C corp, nothing is passed through. Corporate taxes apply.

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reread the agreement, and besides a late fee and a connivence fee it’s nothing out of the ordinary. Also the 1300 covered rent(650) fully and deposit (650) fully .

Exactly.

If your mother is named beneficiary nothing else matters. You went about this in the wrong way. Only your grandfather could have changed the beneficiary on his account.

The money will be moved to your mother's beneficiary account nowhere else. She has up to 10 years to withdraw all of it.

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I’m a government contractor living in Northern Virginia. Moving to this area has been one of the greatest decisions I could have ever made financially and professionally.

The economy around here is as close to recession proof as you can get possibly get. Lots of job opportunities. Federal government is very secure work. You won’t get rich, but you can live a solid life with great benefits and a pension. If the position provides opportunities to get a clearance it’s even better.

I think the public transit in DC is pretty good. Haven’t used it in a while but always felt like I could get to where I needed to go in DC.

You’ll very likely need roommates like you said.

If you don’t see a ton of upward movement in your current job I see very little downside to moving to DC for a career in the federal government. Seems like a no brainer to me.

I wouldn’t be too worried about the state of politics in our country. You can’t predict the future. This seems like a great foot in the door opportunity that could lead to bigger and better things 5 or 10 years down the line.

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