Money is a consideration. If you can find something that still keeps you comfortable then yeah.

The more related to your future career your job is the better.

I have so many random jobs that I never listed on my resume after I got my first relevant job in my field.

Suspiciously close to a COVID stimulus check value.

I would disagree. Consumer-Facing insurance like Personal Auto and Homeowners is very regulated on how much they can charge and what is covered.

That was my guess as well. That there would be a release from liability attached to this but does not sound very ethical.

That's very weird. Typically you either:

• Go through your insurance, pay your deductible, and your insurance company subrogates the other party's insurance. If your insurance company successfully subrogates, then you get your deductible back.
• Go through their insurance initially.

I've never heard of an insurance company offering to pay your deductible and rental but not pay for the repairs. They are ultimately liable for the repairs.

Edit: To add a bit more, if this is to get you to sign a release, then that would be a violation of your policy (most likely) with your insurer. If you sign the release, your insurer can deny your claim. A subrogation clause in your policy typically says you cannot prejudice the insurer’s subrogation right.

leases, you pay the depreciation cost of the car + profit to the owner.

financing, you pay the entire cost of the car and eat the depreciation cost but own the car while paying interest to a financing company.

they should be pretty neutral options for the same car.

Homes in that range would be $2000 - $3000 a month. That's a large portion of your take-home pay. That's not even accounting for property taxes.

Edit: I didn’t factor in your downpayment so it’s be more $1500 - $2500

Those are people who dropped out of Harvard. Not Community College.

Basically you give them the full amount back and you correct it on your taxes. That’s typically how these sign on bonus paybacks work.

Those look like annualized yields

That's just annual savings, in terms of present value (assuming he goest through the whole loan this way) it's about $10,000 in savings. PV of $800 payments a month for 11 ish years at 4.61% compared to $95000 on the loan.

Yearly Interest on $95k loan a year @ 2.625% = $2493.75

Yearly Interest on a Treasury bond earning 4.6% on $95k = $4350

Difference of $1876.25

If it makes you feel better and that feeling is worth ~$2000 a year then go for it

At that interest rate it make zero sense to pay off the mortgage

Depends on the Interest Rate of the Loans.

I do everything at one Online Bank. I don't handle cash very often though, so it works for me. If I ever need cash, I just got to any ATM.

Then have a brokerage for retirement savings and non-emergency fund savings.

In a fireproof lockbox with in a fireproof envelope in the back of a closet. I assume thieves will try to steal something smaller and more valuable before they find and take this.

It only matters if your state gives tax breaks for 529 contributions.

The advice generally would be to not invest in individual stocks and put your money into low cost index funds.

Usually, Hard Inquiries only counted once (I think it's like 45 days), even if it's run multiple times, so probably not that.

The only asset allocation that matters is between stocks and bonds.

the idea is to budget prospectively what you actually need in each category but moving money retrospectively is fine. I wouldn't make too detailed of categories though. I try to keep it buckets >$200 or so. So you could just combine the clothing and makeup budgets in one category.

You gotta factor in the standard deduction. Your rate is basically at 12%

Oh then the numbers check out. $4800 * .12 / 12 is about $48 less in tax a month.