Your 401k people were correct. Personally, I do have a life insurance need: I am a parent. I locked in a term life insurance with $250,000 payout when my kid was 2. Sixteen years later, I still pay the same rate, which is $38/month. I am in my 50s. It is not an investment, it is insurance to replace my income and support for my child, which is the reason to have insurance. When the fixed rate term ends, and my kid is done with college, I will cancel it. You do not need insurance. It was sold to you for commission. Don’t feel bad - you are not the bad person here. Cancel it and go on with your great social justice life

If this happened to me, my lazy ass would do this: file a new W-4, and in line 4C for “extra amount to withhold”, put in x/number of pay periods, where X is the amount extra you owed this year. So, if you owed $2,600 extra now, and get paid every 2 weeks, 2600/26= withhold $100/pay period extra.

there are buses direct from South Station to Seabrook Beach NH- ten minute cab ride from Hampton Beach https://www.ridecj.com/wp-content/uploads/2022/12/cj-schedules-BOS-SS-SEA-11142022.pdf

yes Also any intramural coed sports leagues are good

Political campaigns skew young - especially Sunrise Boston etc

There are often more women than men at volunteer events- cleanups, political campaigns, soup kitchens, NAACP, refugee assistance. There are also more women than men at book groups- the library offers groups, as does Porter Sq books. FindItCambridge.org has events