As a property owner, this is what I do.

Only own in Texas. Each state has different laws.

But, this is the most straight forward way for everyone, I think.

I have a HSA account with Fidelity, it is free meaning no monthly fee no matter the balance.

Once a year, I go to the Fidelity site and initiate a “trustee to trustee” HSA transfer.

Fidelity takes my signed forms, mails them to Health Equity (my employers preferred HSA bank), Health Equity sends Fidelity my money, and I invest in index funds and individual stocks on Fidelity. There are no fees involved in this process.

Every time I switch employers, I do the same transfer into Fidelity. Be aware to leave $25 when doing that final transfer because Health Equity and other HSA banks charge about that much of a fee if you take all of your money out (meaning you are closing the account).

Instead, transfer everything except $25 and then go buy HSA approved OTC medicine and other stuff you may need and pay with the HSA debit card.

Yup. No tax implications of anything done within an IRA. Sell VTSAX, buy VFFVX.

Like I said, personal preference. International has been performing well these last few years. I want to cover all weighted stocks and that’s what VTWAX does.

How do I track dividends? I dont have them on any of my statements

It's good your seeing an attorney. Your step-mom has considerable assets, so don't be surprised if the attorney doesn't recommend an accountant look over the assets. A lot will depend on the divorce laws in your state, but the attorney will know all that. I'd just lay out everything you said here to the attorney. He/she will know what questions to aks. They were married for a long time, so she may be required to provide spousal support, depending on the state law, of course.

Any new school requires your transcripts. You can’t lie and say you never attended elsewhere.

And you need to pay what you owe before the school will release transcripts.

Target date funds are pretty great.

$700 bucks a month on food? What do you eat? And if you both have brand new cars, what maintenance expense do you have?

Great life advice here.

Thank you, I agree he has some (italic font) claim to property/assets, but what questions or road blocks do you think he faces?

The gain/loss is under the ‘Current Investment Balance’ total in the Investments tab. And the total cost basis should be under the Transaction History of whatever your fund is under the Portfolio tab.

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From my understanding, yes, and since it's in an IRA you don't owe capital gains taxes.

I doubt anyone can given much specific advice. Divorce is part state law, part what the exes agree to, and part what a judge agrees to.

It doesn't have to be exactly 50/50 but I would almost guarantee he has some claim to the house they live in and retirement accounts.

If you rebalanced you almost definitely realized something. No HSA admins provide tax docs for CA/NJ residents, you need to track everything on your own. That's why you should either invest simply (ie. pick one fund and stick with it, no rebalancing) or tax-efficiently (tax-free investments or funds with minimal dividends/distributions).

It’s a labor job so gas is the real only cost and I’d say it’s under 100$ a month total. It’s nothing major just local lawn work sorta jobs

Crypto is speculation. I wouldn't put more 5% of your invvestment in speculation. Like anything you buy could go up could go down. Buy into guaranteed returns like cds, or companies that add value year after year. I.e. stock index funds, perhaps target date funds etc. Your money and you feel lucky up to you want gamble with it.

Where have you lived? I've never had a landlord ask for last month's rent up front, but I don't know the norms in all 50 states.

i genuinely wish i could send you a copy. i took a template from the havard job center resume template document. filled it with job experience (non stop working, either part-time or full) for the past year and a half. including one job from this past fall working on the governor's campaign. still getting straight up ghosted by almost every job. ive been called in for 2 interviews, both interviewers told me that they were really impressed with my resume (1 law firm, 1 leasing agency). got rejected from both saying "they'll keep my resume on file for the future" i've also had several personal connections who've looked over/proof read it.

One thing you should do is subtract all the costs from your side business and then see what the profit is, including gas, travel, subscriptions, quickbooks, etc. I'm guessing 250-1000 is before you subtract all your costs for that business.

This is great, thank you. This is why I've told him the 1st step is a laywer. But I just want ammo to go into the meeting with the laywer with so I'm not shooting into the dark

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Yea, you would start a new deductible, BUUUUUUUT I’ll give you a piece of advice:

When your new plan starts, call UHC and ask for a PRIOR CARRIER DEDUCTIBLE form. With a UHC to UHC plan, you should be able to roll over PCD.

It doesn’t always happen, but most of the time, they will allow it.

3 & 4 are the same thing, so your unwillingness to do 4 rules out 3.

2 only makes sense if you will save interest.

1 is just fine, hard inquiries don't have much effect on your credit and they have no effect after 12 months.