Maybe I'll give the online chat a go and see how that turns out. I normally prefer that over phones anyways. Chase's phone menu system was terrible. (No, I'm not calling to learn all of my balances, statement balances, etc lol.)

That's not what I meant.

You make 600 and thr car is 300. You didn't even tell us your insurance. I am sure that your whole paycheck will be lost in that car.

Thr fact that your parents agreed to the consigning. I am just baffled.

Could you have just gotten a scooter or motorcycle. Or what do those cool kids rode in these days. It's like a skateboard with handle and a small electrical engine.

It would be comparable, but with less responsibility and a new beginning at the new job. It would be less without the overtime, but with the possibility of getting a promotion up to the supervisor position I currently have.

If you want to become HR manager - go to college (start at community college) and get a degree. You might not be at this place forever, so you want to have that piece of paper

There is no such thing as a fireproof bag. You can get fire-resistant bags and safes, but even the best consumer model safes will buy you two hours tops in a normal house fire.

Timing is sort of bad all the way around. Used prices are in the process of dropping quickly, even new prices are adjusting down to MSRP and some discounts again.

So selling would be bad. As to low mileage, that will just help you in the long run and the car should last longer. While it’s not ideal it’s not exactly an end of world mistake assuming you aren’t having any problems paying for it?

but no selling it would make no sense. You’d have to probably wait about 3.5 years on the loan before it starts to make sense.

Thank you so much for you input! I did consider a 529 but neither my husband or I went to college and we make more than most of our college educated friends…From what I understood, 529 can be used for private school or trade school also but our trades had free apprenticeships so a 529 scares me as it may be unusable. Of course my kid may want to go to college but I’d rather have some sort of investment acct we can freely take from to pay for it in that case. I’ve never looked into CDs so maybe that’s an option to just go for now? I’m ok if I have to move the money every few years, I just don’t want to have to be on top of it month to month.

I do budget every month yes! But it feels like there's more money going to where it really shouldn't. I live in the East Bay so unfortunately most of my money goes to rent, which is increasing again in January after increasing last year as well, it's why im planning to move :( Its a whopping 2350 coming soon(no utilities) and that's very above my means which isn't cool. I currently live with a partner who hasn't been contributing much and adding to my costs this past year, and we are planning to separate for personal reasons. Ideally, my goal is to move as far away from the city as possible!

My bills roughly at the moment:

Rent- $2350 including utilities here

Phone - $60

Electricity - $65

Internet - $70

Gym - $50.99

Car Insurance - $108

​

Car Loan - $257

Personal - $160.98

Private - $75

​

Groceries - $400

Gas - $120 a month now

​

Dog

Tracking Collar - $17.60

Flea and Tick+Heartworm - $20

Savings - $50

Food - $90

That's roughly $3,895 in expenses monthly. It's horrible. I take home $4160 a month. With partner contributing since January $500. That leaves me with $765 monthly to put down on debt. I leave myself roughly $300 a month to play with. I've been rather strict in order to get my car loan down further and that's when my dad offered to help me out!

I believe with a roommate or living in a studio apartment i should be able to reduce costs somewhat, as well as groceries. Alone i spend around $150 a month for myself!

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Job 2 sounds much better, everything considered in this thread.

I was also looking for used cars with them and they agreed that prices, even for a recent car were pretty bad. I also overestimated how many miles I was going to drive.

Extra payment aways have a big benefit. Take any 30 year mortgage calculator. If you add just 1 full payment a year (the full cost + escrow payment) you tend to end up with a mortgage that is about 8 years shorter. It’s not necessarily new. What is big though is the total interest financed over the life. Massive difference because of how high that has gotten.

Although contributing to your 401k is always a good thing, a lot of companies have a vesting period and if you job hop often you’ll miss out on it. My match doesn’t vest at all until the 3 year mark which is pretty bad, other companies are similar

CPA here. As another poster said the work done prior to the end of year will allow prep of the final return to go more smoothly so it should not be "double" work or billing. I think it is a good strategy to look before the end of the year at the tax situation because some things may pop up that can only be mitigated prior to the end of the year. It will also save time in gathering info now rather than during the busier tax season.

Also, asking your accountant what the goal of doing a mock return is a reasonable question. Ideally, a good accountant will be a trusted advisor looking out for possible areas of ways to mitigate headaches for you.

My only add here would be to look at state run 529s. I think there is a website that ranks all of them if I am not mistaken. NYS one had good find options and you get a state tax rebate for your contributions

Let me say one thing. My response wasn't rude.

Where are the parents logic? You said they helped co-sign but did a light bulb never go off in their heads that this Was a bad idea?

Chase asked you for your password... wow. That is totally surprising to me (just because they are a major bank, but maybe I shouldn't be surprised!)

I have done this through their online message system and have had my credit increased. I also believe I did it in the past over the phone

Do you show up on time? Demonstrate real enthusiasm for the opportunity? Do you present well and clean and appropriate for the job? Long pants, shirt, shoes, take that hat off, not looking homeless or like some weird gang or current trend for young people? Are you really thinking about the answers you give in the interviews and how they appear to the recruiter? Analyse your own responses. Next time, explain that you’d really appreciate feedback afterwards, regardless of what it is and follow that up with a call (even try any recent interviews) because you are clearly turning them off and it’s important to know why

Might be time to consider suggesting that your cousin hire an estate attorney paid for by the estate, to help navigate all these issues in a unbias and informed manner. Make sure things are done correctly and fairly, with as little stress as possible.

Was the property split evenly between all parties? If so I'm not sure I understand the issue of potentially owing others. Also keep in mind for the future that someone will need to pay property taxes (assuming your state has them) on the property and deal with any income it generates. Some a trust or something might not be a bad idea to deal with this. That's where a professional could give good advice as it sounds like it's more complex than anyone's experience level.

You may find these links helpful:

• Budgeting
• Tools and spreadsheets
• /r/mintuit and /r/ynab

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Not sure if it implies that you’d get 1.5x, definitely would check with the company. I’m hourly but don’t get 1.5x.

But #2 is the better option for sure.

I’d say create a 529 account on a brokerage firm (like Fidelity, Charles Schwab, etc) and put your money in there. It is safer to invest in broad-market ETFs and low-cost mutual funds if you are starting early - 18 years is a lot of time for compounding. Switch to certificate of deposits or bonds when they get older.

>the American dollar has no intrinsic value and was really just as bad as the banks he was avoiding

That's the part that I have trouble wrapping my brain around. If something terrible happens and the FDIC is insolvent, or the U.S. defaults on its bonds, or the stock market loses 90% of its value, or whatever explodes with any of the other things that people are recommending, then the paper money under your mattress is going to be utterly worthless too. Hoarding it doesn't avoid the consequences of the types of systemic failures they're worried about.

I do think they put a bit of wiggle room in both 25%.

Where I think the 25% savings goal is just that. A goal. Where if you currently below that, it should be where you try to get as your career/life changes.

Same with 25% on housing. In a LCOL area, maybe you spend less on house and can spend a bit more somewhere else. And for our HCOL friends, maybe they need to live with a lower transportation spending.

If saving 25% of your income is not feasible for you right now. That’s fine. But hopefully you get there.