Yes, it’s definitely a broke life, without a partner to subsidize. 😂 I’m not familiar enough with the field to say if it pays off over earning experience

I would tell them to fuck off if they wanted me to work OT or weekends. My free time is way more valuable than that

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I think this very dependent on the field and company you work for. I had three jobs in a row over a five year period where I worked 60-80 hour weeks as a salaried position.

One of those companies had salaried positions track time and another one wanted us to, but I convinced the owner otherwise.

UCLA does this but it's not enough to cover rent. Have to be poor for another 5 years lol

but you have to work weekends...

A second job would not be taxed favorably.

Definitely only do it if the program will fund you.

Thank you for your help. In New to all this as I've always rented. Now that I'm looking at everything we are going to need professional help. He doesn't even know how much he made last year. And he has a venmo debit card and a prepaid phone. He's learning a lot quickly since I've started riding him on all this. He's just in such a big mess I had no idea where to start. He's so use to paying cash for everything. And we are about to get him an account. I was looking into the local credit unions. I didn't realize how bad everything was until he proposed and I sat him down to start talking finances.

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Awesome. Then I’d just focus on excelling in your current role & always looking for better jobs in the field

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Best option is to open an IRA/Roth IRA and dump $6k in it for the year vs paying off the car. Especially since stocks are low and at a discount now.

I'm not a fan of paying off loans early with interest rates below 4%, but if you're already maxing out a 401k and IRA, then you have a choice to either invest outside of a retirement account or pay off the car loan early.

I already made the switch. It hurt my pay rate but my back feels a lot better

That's really nice to hear. Thankyou

Get a HYSA with Ally and use the "buckets" feature to make separate savings goals (can add dates too). You can allocate all the money in the savings account into separate buckets.

I really hope that’ll be the case for me!

That was my first thought as well. I've only had a little time to look into it more so far and the concept at least seems legit. Of course you would need to be careful about what company your buying into. I wonder how it works with international laws. If I bought a room in Dominican republic and then had an issue wouldn't I go to US courts or Dominican? It seems pretty wild to me.

When it does die again I’ll be stuck with no transportation. My car has left me stranded on multiple accounts. I’ve put nearly 10k of work into it and I’ve had it less than 5 years. Every time I take it in (6 months or less) I’m given another 2-3k in repairs. I’ve had mechanics and tow truck drivers tell me it’s a money pit

If you're super happy where you are, like your boss and their boss, like the team you work with, and enjoy the work, and the only reason you're considering leaving is the money, and the money is the only promise being made in the counteroffer, then it may be worth staying put.

I don't know how old you are, or how long you've been in your job, or if you think of this job as a career in a specific field, or what your long-term goals are. Money isn't everything. It's not even the most important thing in a job.

Write out a list of your personal goals for the next 1, 5, & 10 years. Do you want to retire soon? Or are you at the beginning of a career and you'd like to move into management within a year or three? Do you live to work, or work to live?

Paycheck aside, which job gives you better tools and opportunities to achieve your goals?

I think that's the angle you have to play on this. Especially with FDIC insurance or Credit union insurance even if a bank fails he won't lose his money if it's under the limit. If it's over spread it to more than one bank if he wants to be extra careful.

Just not sure if spending another 5 years getting a PhD is worth the investment.

Did you co-sign on any loans or debt consolidation agreements? I would politely ask this company to explain why it is they believe you're responsible for any portion of it and then back that up with a written document mailed to you.

Generally speaking, in the US anyway, when a person dies their estate now owes the debt. The is what probate is for, through probate the executor consolidates the decedent's assets, pays their debts, and this disburses the funds to the heirs.

It's more complicated than that, but that's the gist. Many companies will try to guilt you into taking ownership of the debt. If you're the heir of an estate that when through probate and you didn't co-sign on any loans then they're just trying to get you to give them money for free.

Things like this are very much dependent on state law.

First, though, I assume you are not talking about assuming the debt yourself, you are acting as executor of the estate, yes?

I know in California the debtor must make a claim within 1 year of death. However, in addition, the estate is required to notify all known creditors of the death within a certain amount of time, did you do that? Since obviously the estate should have known about this creditor. (But this is California, I don't know about other states).

Most states also require an estate notice to be published in a newspaper.

Seriously. The best I have seen is 100% match up to 6%. All of the job details that people post here seem ridiculous. I wonder if Reddit skews heavily towards tech or something like that. Because that's probably the 1 area I haven't looked due to qualifications that I don't have.