It’s pretty basic advice but the snowball method Dave Ramsey advocates for just works. It’s extremely difficult if not impossible to have multiple financial priorities simultaneously on a finite income. You have to pick one thing and attack it until it’s gone. Then roll on to the next one and repeat. Since your car loan is the highest interest it makes sense to start with that.

I understand your desire to build savings but you’d be amazed at how much easier it becomes to savw when you don’t have all kinds of loan payments to make. Remember that spending less is the same as making more so your move to a cheaper apartment (however undesirable that may be) is a smart move. Remember that these sacrifices are temporary, but you’ll never get ahead if you refuse to make them. I can’t tell you how many women your age I’ve seen just living paycheck to paycheck into their 30s because of this so you’re well ahead of your peers in that sense.

It’ll be hard but your on the right path. Be patient with yourself and stay the course. You’ll get it done

Actually, online retailers, Amazon included, sell items at different prices based on a shoppers IP address.

I agree with the rest of your comment.

Progressive

It depends, of course. Many townhomes (including mine) are characterized as condos, and generally that results in a slightly higher rate. Also usually an HoA fee, which you may or may not have in a detached single-family home.

In terms of value appreciation, it really just depends on all the normal stuff like location and supple/demand and whatnot. Might be a bit slower than otherwise similar detached houses in the area, might not.

Here's a link to the PF Wiki for helpful guides and information.

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>What is the best way to get it into m current retirement account without getting taxed or penalized with fees

You roll it over.

Read the rollover entry in the wiki

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The claim has been closed. I checked on their page. This is my first car accident. I just wanted to be sure.

18% is like credit card interest levels high even at 560 you should be able to do better than that

Legally you were their client at the time of coverage so they should. I would post this to r/insurance to get advice of people working in the industry.

Out of curiosity who did you switch to, I'm getting ready to do the same thing.

You may find these links helpful:

• General Information on Rollovers
• 401(k) Fund Selection Guide
• Retirement Accounts
• "How to handle $"

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So I contacted them today and they said an estimate was written and determined it's a possible total loss, but it has to go by someone else first.

This. In 3-4 years your car will be dead and worth zero while your loan will still be $28k. (I didn't do the math)

Gotta move some stuff around. Job, housing, loan, etc. The reality is you can't make this work with your credit so change what you can.

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Get out of debt....all debt, pay off everything.

It may not make 100% sense financially but psychologically it is a huge game changer.

You're an attorney and you are asking Reddit for advice instead of another lawyer specializing in this field, and didn't know you signed a power of attorney?

You may want to search over at r/MilitaryFinance. This question has come up a few times there and you’ll find more people who did what you’re thinking of.

"Due Dilligence" is a term you may not soon forget.

Lesson learned.

Be careful about how you view your money. 60hr workweeks can give you a false sense of income. Its not always sustainable.

These studies are retrospective. It doesnt really help to look backwards and say "the stocks that paid high dividends beat the SP500" -- you need to be able to predict and invest in the right stocks before the dividend is paid. I mean, it's akin to saying "the fastest growing companies last yesr beat the SP500" -- ok, great, but how can you know ahead of time exactly which companies those will be?

Now if you know of a high dividend ETF or some backtested strategy that has consistently beaten the total market, I'd be all ears!

Essentially things you can buy online are mostly the same everywhere. Everything else can be quite different.

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How much out side yard work and house maintenance do you want to do, or be responsible for? Do you like to have fun on weekends, or mow lawns, and rake leaves, etc?

Obviously taxes. Prop tax varies even within the state. Things to do varies. Like in my I would imagine there are tons of things to do that cost$ , whereas in smaller cities, for instance, there would be less plays, and they'd be cheaper.

It's not that they just know the address, it's that they know how to find the address based on their experience and knowledge of the law and legal system. You're paying them to navigate this process for you.

Like, what exactly do you think lawyers do all day?

I mean, that's literally their job. Why do you think YOU are on the hook to find the address when you're hiring legal help who does this for a living?