Is this a real comment?

as long as you’re working towards a better job. stepping stones.

Never seen that sort of 401k match, pretty nice. I’d switch unless you really like your current position/company/work environment. But the key is beating period. If it’s like a 3rd year vesting then it’s not as impressive since who knows where you’ll work in 3 years.

Bonus points - Ph.D programs are usually funded w/stipend.

An unreliable car isn’t either

I feel like this is the one instance convincing them to buy metals would be an improvement.

Never ending car payments…. Not a good financial move.

I would focus on putting that extra money into caching up for retirement then. 4% is kind of middle to low interest.

Yes, it has. All other debts were paid off as I was made aware of them at that time as well.

https://old.reddit.com/r/personalfinance/comments/co4e7h/better_resolution_flowchart/

https://old.reddit.com/r/personalfinance/comments/x8ymrj/flowchart_revamp_project/

Do either of those work?

Is it banks he doesn't trust or bank accounts with their computerized controls where the balance can be wiped out with one keystroke? (Quote from an older family friend lol) If it's just the computer/digital part he doesn't like, would he use a safety deposit box? Still tangible, physical money that no one can access without him being there, boxes still use actual physical locks.

Struts are something you'll have to replace periodically on every car you'll ever own. That's called a "wear" item. The electrical problem is probably worth just fixing. And I wouldn't rush into a new car for tens of thousands of dollars just because the engine MIGHT fail again.

Would it be financed by a normal mortgage? I would guess it requires a business loan or something. Haha, I can't afford to own where I live, this seems a more affordable route to get into real estate. I read that often these deals include a buyback option for the hotel, do you know if people often sell to others when they want out or do hotels typically try to rebuy all the rooms? I always assumed the hotel owned everything. I need to do more research on risks and the like but I'm pretty interested in this idea.

NO. contribute to the 401K enough to get the maximum match, if any.

If no match, you must contribute something to the 401K so it grows tax free for the next 35 years, since you are 29.

102 downvotes.. I think people are missing my point, I know that I should be worrying about my retirement fund. But because I am young and dumb (and self-aware of it), a savings account with money I can't possibly touch for 45 years isn't as appealing as an extra $10k base now that I have freedom to invest in savings myself now.

>We are looking to buy a house after we get married in the spring but I know for him to be on the title he has to prove his income.

This isn't true. He can still be listed on the title, his income just won't count when you're applying for mortgages.

>How do we best go about creating a paper trail for him so he can file taxes and be able to finance purchases in the future?

Have him file his taxes for the previous two years, and start paying taxes from here on out. Google "how to file taxes without w2" to get started on that journey. Hiring a professional to help with this is probably a good idea.

>...but he doesn't even have a bank account.

How does he get cash from Venmo with no bank account? How does he pay for the phone he has the Venmo app without one? Does he use a credit card and mail them cash every month? Regardless, have him start an account today. Being unbanked is a huge hindrance, as he's now discovering.

Struts are easy and cheap. Regular maintenance

Have they already paid you for the value of your vehicle? It sounds like the claim is still being processed given that they asked for the title before processing the payout.

Is there a higher resolution image for that? I’m trying to view it on my phone and it’s blurry

Makes sense. It’s an extremely stable stock so I’m assuming it’s low risk.

I do not understand this.

Did you buy a property that increased in value 200% or something in two years? If so, bully for you, well done.

How can a mortgage lender NOT charge you the correct property tax/escrow? It is not like it is a secret to them.

This is why you pay your 20% in equity so you do not have to deal with escrow/PMI.

Even if he's on federal insurance still call your state insurance office and file a complaint

I am assuming their estate has already been disbursed?

One thing is for sure, DO NOT make any agreement or make any payment until consulting a lawyer

Where does it say he moved back in ? It says he was visiting.

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