I had a guy apply for a position on my team, receive offers from my company and another, take the other job, work it for 6 weeks, decide he hated it, and apply for another position on my team. He answered very honestly when pressed about why he took the other offer and why he decided to leave that company. Hired him. He's been great. No regerts.

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That's what I've told him. I already have investments, a 401k, and an IRA. But he can't always count on me.

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the insurance commissioner in my state was clear he has zero say over anything regarding a federal insurance policy or the billing related to it. If it is the same in OP's state then they will probably politely direct OP to a better resource. so definitely worth reaching out regardless, but a complaint to them may be a waste of time

After this, get a CPA. You need to keep taxes on the straight and narrow. Plus no taxes = no social security. You might think you won’t need it, but life changes.

That is wonderful, for areas to look I can tell you the greater Boston area and RTP in NC seem to be nuts lately. I get recruiters with roles in that area regularly. If either of those interest you I think you have good odds.

Also, for entry level QC labs are always hiring. They also LOVE analytical chemists. Anyone who is good at plate based assays and some instrumentation.

QC can be soul sucking but a great way into industry.

All what I hear is excuses, pay the minimum balances

YOU don't owe them squat. Their estate may owe them, but my guess is that their estate was settled long ago and those creditors missed the window of opportunity to file a claim against the estate. I think they are basically SOL.

Eh I wouldn't consider $51.50 an hour valuing my free time. Mental, physical, and emotional health is worth way more than tha.

I love the Roth because it allows for withdrawals (no emergency = no withdrawal )

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What sort of industry are you in?

I work in consulting where people in my industry don't leave often for less than 20%, the rule you cite. The main reason is because in our industry, we expect to get promoted to next level every 2-3 years and in many cases, shifting to a new firm without a promotion can mean you delay that next level up by a year plus (most firms want you to be at level there for at least a year even if HR says otherwise).

As an example, 8 years ago, I got an offer for a 10% bump to leave to another firm when I was a year away from promotion at current firm. Turned it down and got the promotion which came with a 30% bump.

The bump across the board seems good if this isn't relevant to you.

That was a pain when I had a big hospital bill and the hospital was slow to bill. I paid a bunch of copays, but then once the hospital finally filed its claims, it put me over the annual out-of-pocket maximum, so then some providers had to give me refunds because I wouldn’t have had to pay those copays if the hospital had billed in a timely manner.

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Is the job more interesting? Is it what you've been wanting to switch to, or are you just excited about the pay and benefits?

Time in market beats timing the market. Therefore, the earlier you invest, the better.

However, you shouldn't be adding to investments without a funded emergency fund where you feel comfotable. The only exception might be when you approach the end of the year and haven't maxxed out your contributions yet.

Since that's not the case for you, I'd get your efund to where your comfortable first. You got plenty of time (12 months).

Those both sound like fantastic ideas. I hate this city anyway lol. It's so overcrowded and dirty. I'm going to start applying in other locations and get some professional resume help.

If you have 4 months already AND your job stability is solid (even if you move) then I would vote for maxing your roth contributions for the year. How you do that for this year will likely be a wash over the next 20+ years. Just max it for every year.

Once your savings are stable then make the call on lump sum vs period.

Depends. How do you expect your wage to increase at your current job? Any promotion possibility? It’s pretty standard for raises to come in at around 2% - 3% per year, if at all. So that 11% increase can be 4 to 5 years at your current job. Also not everything is money and benefits- corporate culture, work environment etc weigh in heavily on your happiness at the workplace.

I know now I need an accountant. He said it's always been hard to keep up with because he gets random amounts of cash daily. We are trying to figure out how to properly keep records of what he makes.

So your lender didn't send you an escrow analysis and notice that the monthly payment was changing? That would be the typical process. But maybe they didn't send it, or it got lost in the mail. Normally you get a notice in the mail telling you that it's going up, and they give you the option to pay the shortfall in a lump sum to avoid it going up as much.

No bro stop working harder/ longer hours for an amount of money that people can make in one hour.

Bro do something to boost your earning potential (certification, university, license, trade school, community college, or even join the airforce or navy).

It's tough to make it out here with just a high school diploma you need a specialty in something useful. Working your way up from a minimum wage job is tough and takes long. You aren't guaranteed a higher position and it could possibly take several years to reach managerial-based positions. You don't wanna spend 10 years working overtime on a minimum wage just to finally get a manager position that makes $40k/yr. That's why you should go to school or get some type of certification because those only take a few months to 4 years max if you go to college.

Discover HYSA up to $200 bonus with $25k deposit. Capital one has one for $1000 for $100k. Both 3%. Can’t go wrong with either.

Very odd, maybe get some one to check your resume. Also, Takeda is headquartered in boston, and has sites around the world. LA might very well be saturated and more difficult to get a job with no experience. May be that is the case in general in LA. Again, I am a life long east coast guy.

It might be worth while to pursue larger manufacturing sites where less talent is located.