You might want to save more so you can put down 20% and potentially get a better rate, but your income is enough to support houses in your price range.

No reason not to refinance, you'll save a lot of interest.

Perhaps, but the missing info seems like it could make a big difference. For example ChatGPT still thinks the federal funds rate is 0.75%.

No brainer to pay off the cards, just focus on making the changes necessary so that you don't run up the balances again.

Absolutely not - ChatGPT's database stops at the end of September 2021, meaning that ChatGPT has no idea of anything that's happened in the last 17 months. That greatly impacts its ability to generate any kind of useful predictions about today's markets.

Ally's offering 5% on an 18-month CD.

Not really any rhyme or reason on the rates - they're based on each bank's expectations and predictions about what rates will be in the future, and the banks don't all think the same way.

Public colleges are normally less expensive for in-state kids.

I have two college age kids. One thing that really surprised me is that most colleges appear to give pretty much everyone aid, scholarships, etc. that significantly reduce tuition cost. Almost no one pays the "retail rate" you see on the college website as tuition cost. It's kind of like the hospital that charges $20 for an aspirin but no insurer ever pays that $20.

Bunch of articles like this one from a few months ago about a trend of colleges toward slashing their tuitions to more accurately reflect what they actually look to get.

I'm not sure about Europe but in the U.S. you wouldn't be permitted to open any kind of trading account yourself if you were a minor.

Crypto is useful for money laundering and paying for illegal things. If you're not doing any of that, don't buy crypto.

Great start, but you can't call yourself a professional until the balance is zero.

You determine how much to contribute to an HSA each year, and can change mid-year if you want, up to the limit on HSA contributions. Your employer may choose to make a matching contribution of some amount.

When you have an HSA-eligible expense, you can pay directly with HSA funds or with after-tax dollars. If you pay with after-tax dollars you can either do nothing else or reimburse yourself from the HSA (if you have sufficient funds available in the HSA).

If you reimburse yourself, the money you take out of the HSA is not replaced by anyone.

There is no time limit to reimburse yourself from the HSA, but if you delay for years make sure you keep really good records.

Sure you could ask, but your boss doesn't need to agree. If it's a bigger company it can actually be a huge effort to get someone paid outside the normal payroll process.