ETFs ARE multiple things. It's a collection of thousands of stocks out into a nice little backer that you're owning a piece of. A lot easier than you having to keep track of all those different stocks yourself. And usually cheaper too

You can do it anytime, I transfer to fidelity every 6 months.

I've read other threads like this. Did he invest in the property at all, say with money he earned or doing projects/improvements with his labor?

Citi custom cash is way better. 5% cash back on categories that don’t change and it auto finds the highest spending category each month. I use it as my dedicated grocery store credit card.

Younger people use cash for a lot of things. Many of them work as servers or side jobs that don’t offer direct deposit. It’s also convenient to have a location nearby in the event you make a mistake as they typically only have one card they rely on.

I dislike BofA and Wells Fargo but they’re extremely convenient, especially if it’s difficult to get around.

I bank at Charles Schwab and find myself using Wells Fargo atms 80% of the time.

It is good that you have access to a therapist, a psychiatrist, and a fantastic support system. If you can get access to welfare it could potentially increase your chances of accessing low-income housing. Not to mention extra income would make your life easier financially. Plus you could also ask your service providers and or support system to write testimonials on your behalf advocating for you to access low-income housing.

Whether you meant to or not, you did

Ultimately I agree if that’s the point you’re trying to make. Although I still think it’s poor advice in this context

Edit: I guess I don’t agree given my second sentence.

It may be better on paper, but that fails to consider emotional components which are important. You say it never hurts, but it is clearly hurting OP

We disagree on a philosophical level. I don’t think its healthy or worthwhile to avoid consumption like the plague. You should enjoy life a little.

To each their own

Okay, thank you!

Okay, these are great options, thank you! For moving back in with parents, I'd have to abandon my whole life and be miserable- my home town is a place where a lot of trauma happened to me, and my PTSD symptoms increase dramatically as do my depressive symptoms while I'm there longer than a weekend.

Everything else you've suggested is worth looking into, thank you! I'll be screenshotting your comment so I don't forget, haha

Okay, damn. I was really hoping Chime would at least be helpful. As I said in my post, I'll be able to pick up more hours as time goes on, and I'm working hard on reducing spending. Thanks!

> The best bank for a young person is one that has many branch offices

Um, explain this?

Young people are less likely to need branch locations because they're not allergic to doing stuff online like my parents and others their age are.

If your paychecks are direct deposited, and you rarely need cash, you don't need physical branch locations.

And if you do need branches, BoA and WF are two of the worst.

This is really well said. Obviously saving is better than wasting but there’s definitely a grey area where you we are denying ourselves things we would enjoy when the additional savings have little marginal benefit. It’s important to have financial flexibility and emergency funds and all of that but also important to live your life. The balance of that is so very personal - depends on your priorities, health, kids, job, goals and a million other things.

For me, it took having someone in my life who was somewhat fiscally irresponsible for me to see how much I was hoarding, and how I was avoiding spending on things I’d actually enjoy a lot and had relatively minimal costs. So I’m glad OP asked this question because if you’re eating ramen because you’re paying down a 5-figure credit card that’s good, but if you’re eating ramen while having fully funded lifestyle, retirement savings, emergency fund, health insurance, outside investments, etc…well it’s worth taking a closer look at your priorities and financial targets. (Unless you just love ramen of course)

I do have a therapist and a psychiatrist, as well as a fantastic support system, so those bases are covered, it's more of a "doing the things I need to do to improve my mood and wait for the depressive episode to gradually lift" thing.

Unfortunately selling my car isn't an option- 30 mile commute to my job, no public transport to get me there. Plus, it's not in great shape right now and wouldn't get me enough money to get a car other than one that would be in the shop all the time and cost me more over time than just keeping my current one.

I have been thinking of getting rid of the credit card once it is paid off, that's probably what I'll do. Making loan payments is how my credit score got to 735 in the first place, and I've unfortunately demonstrated credit cards are a bad option for me, at least at this point in my life.

As far as low income housing, I did apply for all the places near me, and didn't hear back from any of them despite multiple, multiple attempts to get a hold of them.

Just for clarity, owning a home doesn't necessarily save you on taxes, but having a mortgage can

Thank you for the reply !

I don't imply anything.

Additional savings never hurts, and it's always better to save than to spend frivolously. That's it.

>. Can someone break it down for me ?

If your mortgage interest plus state and local taxes (and other itemized deductions) exceed the standard deduction, you may save some taxes if you itemize (which seems likely at your income level).

That said, I don't remember the threshold for the AMT under TCJA so that may complicate things

I did not realize; that stinks!

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I know this doesn't help, but in the future, do all charges onto your major credit card instead of your bank debit card.

Card services is much more likely to bend backwards for you and dispute transactions than a bank (especially smaller banks like credit unions).

I do about 60% total market, 10% real estate 10% international 10% international and 10% bonds. I have been adjusting the percentages though and have stopped contributing to bonds completely. I am in my mid 30s

Can't do anything until it posts, so just chill for a minute

• the fallacy of a "co-signer" they own the outcome always

It says pending at the moment but, my bank didn’t seem to think it wouldn’t be posted soon when I asked them about it. They just told me to dispute it tot contact the company.

Is it an actual charge or a pending charge?