I'm sorry for you and the family.

We're going through this right now, although we have done it once before.

The laws vary a lot between states, so you must be sure you are getting the correct information for the state that your dad resides in when he dies. Among other things, many states have a simplified form of probate or simplified estate rules for estates valued under a certain amount, and the amount also varies, and whether it includes the home varies.

So go ahead and start researching *for his state* what the procedures are there. And find and read the current version of any will.

You probably should have had power of attorney before now, but any power of attorney does not continue after death anyway. (Don't worry, if you are the executor you will have the power to settle the estate, pay bills, collect amounts owing, sell the house, etc.)

18% is a crazy high interest rate.

If you can run away, do it.

Do you have savings sufficient to purchase a used car? If you stick with this loan you will be paying $8400 per year for many years. You will outpay the value of the car a considerable amount.

I drive a different car now and live almost 2 hours away from my dad. My brothers use the car to go to their part time jobs. My dad is old fashioned and keeps bringing it to the dealership I bought it from. I've told him not to!! Lol

Thank you for the code stuff! We have documents showing the codes are different so that really gives me peace of mind that they did actually fix what they said they did. I will just take it to a VW mechanic. This is exactly the answer I was looking for! Thank you dude!!

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That is all that I am able to get as well. The issue is I am trying to get approved for the card so I can purchase a car. So I need money that I don't have, and it's my understanding that you can't get a balance higher than what you deposit, so it's essentially the same amount of money, just taken out of a card (or at least from my understanding).

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$1,200 Max. I just need an A to B car. So even a card with $2 limit would be perfect.

u/mf-TOM-HANK

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Congrats on the start... As everyone said use a broad index fund VTI or VT.

Also check ROTH IRA instead of 529 if you are not sure if you will use the money for college as you can otherwise use for your own retirement.

More details @ https://www.investopedia.com/529-plan-vs-roth-ira-for-college-4771260

Yes but as a percentage of COL it’s not nearly as much.

Long term, doesn’t matter much that my parents home assesses for $800k when they bought it for $35k in the 80s

You need to reduce your $800/mo debt payment before you consider upgrading your rental situation.

Honestly, just go have an appraisal done without telling anyone else, pay the 500$, and if it turns out the number was fair (or in his favor) no one needs to know that OP had a real appraisal.

And you’re drawing a 200k salary?

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I made nondeductible IRA contributions.

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You have an old German car. Those things break if you look at them the wrong way. Can’t really say they made it worse without any concrete evidence.

I'm only 17 so I only have a debit card but I know my parents use credit cards for pretty much everything.

Rates don't usually change that drastically in 1-2 years anyway.

I made non-deductible contributions and yes, I filed a form 8606 each year.

I wasn’t thinking about tormenting then. I was thinking that when times get tough and I have to pick between keeping someone that wants to stay and someone that tried to leave, all else being the same, I’m keeping the person that wants to be here. If money is the only thing keeping them here I’d also expect them to bring that up before hand.

I agree if you’re giving them a raise to stay and then just give them all the work others don’t want to do, that’s just going to push them out quicker and you gave them a raise for no reason.

Sounds like a possibility that might beat giving them my password, hah. I'll give it a whirl

Ah, okay! Yeah, they've told me before that there's nothing wrong and that the check engine light just comes on randomly sometimes. That's part of what makes it so difficult to believe that it actually needs $3k in repairs!

East bay? San Fransico?

That's good news, and helpful for sure in this process.

Rent of 56.5% of your take home pay does seem to be the major factor here as far as spending goes. It sounds like you have a plan for that, and it sounds like roommates or living at home should be what you are looking for.

You should be pushing for your partner to pull their own weight if at all possible, as it's hurting you. No idea what they are going through but 10+ months is a long time for a lot of things especially if it was unemployment earlier in the year.

Assuming you are splitting your utilities internet bill $70 a month seems high.

$90 a month for dog food is high. You can buy 50lbs of name brand kibble from Sams Club for $60 or 38lbs of BlueBuffalo for $60. So probably worth shopping around a bit.