Gotcha thank you.

Tdf rebalances automatically (that’s essentially the whole point of them)

That’s the 1-3% I referred to.

Who is named as Executor in the will? If you say your state and the approximate dollar amount, people may be able to help you see whether you need to do a full probate. But no, you can’t just move the money.

You can export YNAB data but I get it no everyone one wants to pay too. They are both zero based budgeting though.

Either way you replicate a similar process. I think Wereworlddad found the root of your issue and what was throwing you off and that should fix it.

Its good to have a job, but since your living with your parents you should focus on finding your self a long term career instead of a second job.

My experience has been you can pick 2:

• spend more than 30% of your take home on rent
• save for future goals or pay off debt
• hobbies/social life/eating out

Yeah! That's why I though! I wish my dad didn't take it to them in the first place! They've apologized in the past for nearly breaking other parts on the car when doing a simple oil change.

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Don’t balance transfers incur a fee?

Thank you so much! I found the flowchart from the wiki earlier this morning and ended up working myself up by trying to figure out which method of paying down debt I should follow :( from everyone's comments it sounds like going by interest rate will be my best bet!!

I would not take a volkswagon to a honda dealership for repair. I would take it to a mechanic ( independent ) that deals with VWs. It's just that honda mechanics rarely work on VWs.

Usually they will send balance transfer checks. Write it to yourself and deposit it.

Okay, well thanks for being honest!

He has been living there for a month or so!

You are, of course, perfectly within your rights to ask them. They're just going to say no, though. Have a nice day.

That's good to know

Is there a way to get the money in cash or into my checking account?

It's not uncommon to have older folks stash money around the house, whether or not they trust banks. My grandad stashed money all over their little house. My grandma used wait until her purse was too heavy with coins to carry, then put it in the back of the armoire and get a new purse. Needless to say, when my grandparents ended up in the hospital at the same time, my Dad and sister had a frantic time searching high and low all over the house, luckily before the local burglars hit it while they were out. The burglars got some kitchen appliances, but not the money. And my grandparents HAD accounts at the bank, they just....stashed it.

Basically, you have two problems - the safety of the money, and the safety of your father. The money can be put in fireproof bags and stashed somewhere safe-ish around the house. But, again, burglars. God forbid he goes fishing one day and the local criminals loot the place.

Unless you can convince him to take it to the local bank, I suspect that converting it to precious metals and putting that in a fireproof safe, secured firmly somewhere ridiculous, may be the way to go, as it's sort of the go to for preppers. Lord knows my brother in law has gone down that rabbit hole a time or two. But even then a determined burglar is going to walk off with that.

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Thank you so much! This is really great advice. I get so overwhelmed sometimes that I find it hard to figure out where to start. With this plan I'd be able to pay my dad back by the end of the third year or so if not earlier. Once I'm able to find a way to increase my income or reduce it, i can manage throwing more money in as it comes.

He did live there at the time of the accident, for at least a month.

Now I finally see where you give the important information!! He lived at their home in California at the time of the accident and no one told the insurance company!! That’s the only issue that’s important.

A 529 is not a use-it-or-lose-it type of account! As far as I’m aware, all contributions you make can be taken out penalty-free. Any earnings you take out for non qualified expenses will be treated as income tax (just like a normal, taxable brokerage account) plus 10% penalty. This means that you can withdraw for whatever reasons.

The benefit of a 529 is that any growth in investment value can be used to pay for educational expenses tax free. Depending on your tax, it’s sort of like getting a 30% discount on education expenses.

You can create a brokerage account just for investing (many of the brokerage firms I listed have automatic investment options) but do be aware that you will pay taxes on all withdrawals related to earnings.

No, I just don't have any evidence that they fixed anything and neither do they? I figured if I asked nicely and explained that they've already made tons of money off me, they might cancel the charge and let me take the car to someone who can actually fix it.

They've apologized several times in the past about the oil changes and not having anyone in the shop who works on Volkswagens. They also told me they nearly broke a plate on the bottom of the car that they have to remove to drain the oil because they had a new person working on it.