That one is particularly fucked up! What else does it phase you out of? I’ve reviewed for my personal case and found absolutely no difference. We both have small businesses as LLCs so it is cleaner to file separately, and had no loss in tax implications.

And which one would be a no for you?

Thank you for your help!

[deleted]

You'll most likely need to talk to the school after it's paid and see if you can get them to remove the marks. It's weird to me that they would go after you and not your employer. Typically the school would require a PO or credit card to enroll you to begin with.

She can buy house.

Stop paying life insurance.

Sell house when she passes.

Seems less complicated.

Yeah I’m pretty sure they are too. Not sure why the owner just writing a check out to him was never questioned, but here we are. I wouldn’t know where to start with reporting that issue and getting that employer held accountable.

Depends on company policy and state laws.

This is why I try to use up most if not all my vacation time before leaving a job.

State?

There are no federal requirements to pay out PTO.

I really wish the W-4 had a section where you can set a higher supplemental withholding rate.

Rent is around $2000, and I have about $14,000 set aside in an emergency bank account.

Would you mind elaborating on the dangers of 6 year car loans? My interest rate is fixed.

As for the Camry, it had 300,000 miles on it. I have to take several cross-country drives a year to visit family so that was the main reason I felt it was time to upgrade.

As for the depreciation, yes I agree. However, I'd argue that well-kept Civics tend to depreciate less than most cars.

Either way, I'm happy with the car so yes, the title was rather badly worded.

Thanks for your reply.

Sorry, I meant I don't have $20k on hand to pay back in 30 days. I don't think I will be able to come up with $20k in 30 days.

I'm looking at doing the same.

Did you get an Explanation of Benefits form from your health insurance?

If state law or employment contract requires them to pay at a particular rate, then they must be paid at at least that rate. Otherwise anything you get is better than nothing.

Yes until you get on the positive side. Why pay when interest when you can make most go away. Get it to zero, pay off any other debts(other than house). Build emergency fund/ increase retirement savings.

OP. Read, like actually read, what these people have offered. Trust yourself and your spouse. You can learn all you need from the resources recommended here - and save the fees.

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.

Kudos for saving as much as you are. You are the exception rather than the norm.

If I were to suggest any tweaks (you're doing just fine!) I'd perhaps seek to put more in to the Roth or 401k - your future self will thank you! Time is on your side there.

Check out the prime directive on this website if you havent already. (in the FAQ/flowchart)

Potential enhancement to the budget always is a good practice IMO. If you don't already have them as part of your budget, consider some sunk cost funds to offset things you know are coming. Vacation, car maintenance, etc. It will give you even greater control.

Did you read the post?

>Do you suggest that I should invest a monthly sum into these funds (maybe 60-120 dollars a month)?

"As much as you can as soon as you can."

Please also see the /r/personalfinance Prime Directive: https://reddit.com/r/personalfinance/w/commontopics

>I am using Fidelity, so I'm pretty sure I can do fractional ETFs.

Correct, and Fidelity also has excellent index mutual funds to consider (though the Zero funds especially should NOT be held in taxable accounts due to inability to be moved to any other brokerage).

Welcome to /r/personalfinance! Comments will be removed if they are political, medical advice, or unhelpful (subreddit rules). Our moderation team encourages respectful discussion.

You may find our Health Insurance wiki helpful.

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 am using Fidelity, so I'm pretty sure I can do fractional ETFs. Do you suggest that I should invest a monthly sum into these funds (maybe 60-120 dollars a month)?

They wanted to use it to pay off the Florida home.