Unless you work in a jurisdiction that outlaws the question, I would answer it.

So yes, you got bad advice. Learn from this. Salary negotiation is a give and take exercise with 3 outcomes

1. You both agree on a price
2. Your price is too high
3. Their price is too low

They have their policies, and you gave them no reason to change them. So, they walked away.

The 2-yr T Note will pay the coupon twice a year on the last day of the month. If it were recently auctioned that would mean it settled today. So it pays coupons on Apr 30 and Oct 31. If those dates fall only a weekend or holiday, you will receive payment on the next business day.

10,000*4.375%/2 = 218.75

At maturity, you will receive 10,000 plus the last coupon payment. or 10,218.75.

Lastly you will owe federal taxes (no state income taxes) on each coupon payment in the year received and the difference between what you paid for the T Note and it's face value at maturity.

It's a bad habit. It had 40+ years to grow if you rolled it over into an IRA plus whatever you add to it over time.

In 45 years assuming 10% average annual growth and you adding nothing, it would have been worth about 109k.

=FV(10%,45,0,1500)

This pretty much nails it.

Dave Ramsey would say to stop your retirement savings while you are in debt. I tend to agree but many people argue over it. Either way.

And it does bare repeating, that is way too much car for you. So please sell it.

Tell your friend to get ready to write some checks. There are rules in place to prevent people doing what you are asking. That is to get insurance only when you need it. This drives up costs for everyone else while saving your friend money.

BY the beginning of February the Fed is expected to raise their Fed Funds rate to about 4.5%. Could go up to 5%. Today it's about 3%. Beyond that, you will have to make some guesses as to what the markets will do with interest rates.

You can buy a 3 Month T Bill and get 4.1% right now.

By how much? I would find a way not to sell or borrow money. If you borrow against yourself and the market goes down, you could faced with a margin call.

Can you stop contributing to your investments and pile up cash? The you won't have to sell or sell as much.

Build your cash up to 20k. You'll need some of that when you decide to move out on your own.

Then start investing 15% of your income into a Roth IRA. You are making about 45k per year, so 6,750 would be invested. If you still have more money to invest, then do that in a regular brokerage account. It will provide you with more financial flexibility. DO the 15% into Roths most of your adult life, and you will have plenty of money in retirement.

Doesn't matter where you live. Your 401k follows US rules. Leave it where it is or roll it over to an IRA. Keep it fully invested. When you get to retirement, you'll pay US taxes on the amounts withdrawn. No matter where you live.