It depends on if you are sure sure you won't need to charge again (or have another card still open)...because it will be hard to get a new card right away. (Also they should lower the interest rate, not just the payment amount.)

Generally it's not a good idea to transfer "unsecured " consumer debt to a "secured" loan like a HELOC. Good way to lose your house..

Concentrate of keeping the mortgage paid in full and on time.

If you really cannot cut spending or earn more, then it'll be time to stop paying the credit cards and save up as much as you can in cash to make offers to settle.

Congratulations. Take at least a minute to appreciate the progress you've made so far.

Time to climb the corporate ladder with letters to the CEO? Or possibly get your Represetive's office to help??

A Simple Path to Wealth by JL Collins.

Do you have any evidence that the water bubbler was actually picked up?

Pay in full is the ideal. If you cannot, pay as much as you can while still not "swiping" the card for more purchases until it's paid off. The interest rates are insane and a huge waste of money

No easy ways because people would abuse the system. I've heard of people buying gift cards and then cashing those in?? but not sure how (and hear lots of horror stories aboit buying gift cards only to find them empty.) So...

Don't rush. Bit seems like you are off to a good start.

A Roth IRA right now would be a great idea.

>FZROX can only be bought/and or owned at Fidelty. Is this really that big of a problem

Not a problem. If you decide to move it later you can sell inside the IRA without tax consequences.

Save up a good pile of money for car-related stuff and for misc expenses and travel during college.

Said,also that they assume start date is in person. If it's work at the office, how do you start if you are out of town for 2 months?

You are missing that presence is required from Day 1.

OP: It's hard without money.....you'll need a place to crash...airbnb, short-term rental, or hotel. Be forwarned...you'll need a lot of money down on an apartment. Might look for a roommate sublet to start??

It's very dangerous to try managing a rental from out of town. Where are you?

Are you just looking for how best to invest the dollars in the US?

You may need to find those old pay stubs...or you should be able to tell if there was tax deferred contributions from old W-2?

Read this all the way through...

https://reddit.com/r/personalfinance/w/collections?

"> sell the F-ing house."

You will not spend your life regretting not having a rental to deal with while managing a move, a newborn baby, and all the adjustments coming up.

If you need more, check out JL Collins, A Simple Path to Wealth.

Prefer Ally.com...easy set-up, easy to make it a joint account, easy to add beneficiary, and a Buckets feature for earmarked savings categories. Bonus points for extending the bonus interest for new deposits to existing account holders not just new accounts.

Still mad at them for freezing rates on their old HYSA and not notifying account holders.

When you do Budgeting...teach a couple variations...including zero based budgeting and envelope style...and how the opportunity costs when you plan you dollars help improve decision making. Include the idea of sinking funds...budgeting for irregular but known expenses.

It's a good idea for every income level to budget. 🙂

Yep...that is,why they really do this...tricking you into spending more.

Figure out the insurance first.

Then start living on your salary only today (well, March 1st). Rework your budget now so that their entire check is going into savings. Also add the 100 (ask around for estimate) a month line item for diaper costs into this new trial run budget...which also goes into savings until needed.

By making the adjustment to budget now, it will remove a lot of the stress during that sleep deprived "4th trimester"

Not any kind of expert, but generally.... beneficiaries on IRA accounts are *separate* from the will. So any arrangements you made about the will would likely not to affect the distribution of the IRA. At least that is my understanding.

(The corollary to that is that a beneficiary of an IRA doesn't even need to be listed in the will and does not need to wait for probate in order to collect their money.)

I was referring to the way YNAB both subtracts the purchase from the category and simultaneously sets it aside for paying the card on the due date.

Import is a mess everywhere, not just YNAB, and is a problem that we should be pressuring our banks to fix rather than blaming the apps. How many of us contact help for the bank or CC and complain that it won't import into YNAB?

Ally.com

YNAB...handles credit cards that are paid in full each month really well.