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definitely small claims court. Even if it’s a small amount, the principal would make me sue

well for starters, there's no real opportunity to "come" anywhere or in any way. at the beginning of my job search i physically went into places. either there was no person of a managerial position there or they said "well you just have to apply online". even local small owned coffee shops that i walked into said "just take this card and email us". i pivoted to applying to 20+ jobs some days, with a custom cv for each one. 90% don't even respond. The other's send automated messages of rejection. I applied to build a bear workshop twice with no response. finally called to ask what was up and the manager said "i have no way of even seeing who applies, someone else should have contacted you".

long-winded response but it gets frustrating when people who aren't in this situation pass judgement. why would i not be applying to every job that i can when im drowning in debt?

A judgment in Texas lasts for 10 years and it can be renewed. You might be judgment proof now but they are hoping your financial situation will improve. Your wages CANNOT be garnished for consumer debt. They can, however garnish your bank account. This includes any joint bank accounts. If you contact the firm that sued you, they will work out a settlement with you. You get better deals with lump sum settlements, but payment plans are also an option. Here is more information. https://texaslawhelp.org/article/what-judgment-proof-means

What happens if you don't like software?

It's work. The novelty of every job wears off.

As long as they use health equity, you will have to keep that account open. You can open an HSA elsewhere and do transfers over. You want you contributions to go to health equity initially to get the full tax benefit. Then periodically make transfers. Just be aware of fees to do so.

100% VTSAX for life can be an adequate choice. If that gets to risky you can reduce its allocation by adding a total bond market index fund as you get closer to retirement. Recommend reading JL Collins’ very popular book “A Simple Path To Wealth.”

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How much money was it? If you proof (like emails or texts explaining what she did) you could try getting yhe police involved, maybe even the feds for wire fraud. Or if it's a smaller amount small claims court. If you know who she Banks with you could try talking to their fraud department as well.

In some states, they can't ask for first month + last month as security deposit

I’ll probably make more money over time since software tends to be more lucrative than other engineering disciplines. Wouldn’t be a huge gap though. Don’t like my job at all and don’t feel like I have much natural aptitude for it. Think it would be a bigger mistake to keep at it while I still have the freedom to change careers

Any idea why you’re not getting these jobs? If they’re hiring, and you come well dressed, with good hygiene, and ready to learn, you should get the gig

Roth 401k and after tax are actually 2 different things. Roth 401k is after tax money but not technically categorized as such. If you wanna do MBD, you need to contribute to "after tax", not "Roth 401k." At least for me with Fidelity and my workplace plan. Ymmv

I convert every 10k ish from after tax 401k to my Fidelity Roth ira. I'm calling in to do that about every 2 months now. Not that bad. I just changed my contributions to a stable value fund so there won't be any gains to pay tax on for the conversion. Yeah I'm missing out on a bit of gains, but 2 months isn't much anyway on working up to 10k

https://fundresearch.fidelity.com/mutual-funds/performance-and-risk/31617H805

You'll owe income taxes on any growth on the after-tax contributions when they're converted to Roth - converting it immediately after contribution is preferred

My plan requires you to mail or fax a form, and I only make after-tax contributions in the back half of the year, so I typically only do the conversion 2-3 times a year a few months apart to avoid the hassle, gains are typically minimal for that short of a time frame (though immediate conversion with zero gains is more ideal)

Confused about your option 1 though - are you referring to leaving it in the after-tax 401k, or are you saying auto converting it to Roth 401k?

Thank you for your response, I'll definitely get in touch with the creditor as soon as possible. It's definitely a HUGE lesson learned; hopefully it won't get any worse than it already has... Talk about learning lessons the hard way.

😅. im not sure what's motivating this sentiment but i've applied to taco bell not once but twice lol. they didn't respond either time.

Then try Walmart. Then Taco Bell. You just need a pulse for some of these places

Rocket Mortgage was amazing for us to get quick turn around on financing approval letters in a bidding war. We then went with a credit union due to lower fees and better rate…multiple quotes makes it more flexible but at the end of the day take the best rate and lowest upfront costs.

This post is a bit off-topic here, but we would like to help you learn about investing!

1. Start with the PF Investing wiki page.
2. If you have questions, please ask on the weekday or weekend thread (please wait until Friday afternoon if the Tax Thursday thread is the current sticky). If that link doesn't work, it's the second post from the top on /r/personalfinance.

Note that rather than stock picking or speculating, our focus here is on being diversified, never being too risky or not risky enough, and investing for the long run. Discussions about active investing, investing in individual stocks, sharing investment ideas, etc. are off-topic here.

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This is a myth. 100% VTSAX is fine

You have no idea. No one does. But it doesn’t have a very great track record. It’s more gambling than not.

Or lower.

Currently I'm on the same range. It caps out at 7, and I am not really sure how large or small federal offices can be. The new office is certainly larger than my current corporate office by a matter of degrees. I am unsure what opportunity there is for advancement, but one of the people on the panel did seem to be at GS8 or 9 after their years of service to the org.. so there could be some movement?

I'd be totally fine switching agencies, provided the right opportunity came up. I am unsure if I want to go through the TS process, but I am certain that the series I'm entering in on 0303 is very much a "foot in the door" billet. Like, you're in, now find something to do that isn't so generic.

What kind of free trainings could exist, broadly speaking? Do you mean leadership training, or would it be more like a cert to get someone into IT work? My absolute dream job (from my college days wargaming at GWU) would be to work in State at some small obscure desk (think.. Moldova, or Laos, or Algeria), but I am unsure what exactly could put someone in that position. Besides being in the USFS. It's a small dream, but it's something, the novelty I hink is what I find so appealing.

Ultimately, I know that I'd like to do some TDY rotations abroad, especially while I've still got some sight left, within my first couple years. Do those opportunities only really exist with the DoD?

Honestly call a tax lawyer, they may help ease your mind. I believe they can only go beyond the 3 years if there was intent…but again: call ;)