I say spending money for the sake of spending it is unhealthy. I'm positive we could sell everything and quit and live off the proceeds. We definitely have hit your bullet points. I spend, but just slower than the average bear. Frankly I find the spending habits of most to be obscene.

When op tries to get an apartment on his own, won't it look like he's already paying / on the hook for rent

They would be (should be) withholding as you had last filled it out. Maybe ask how the had it keyed in last year. Did you have any gains from investments? We're you on unemployment and didn't withhold? Obviously you double triple checked for keying errors when you did your turbo tax?

The deposit didn't really happen , they just 'reversed' the deposit. The fee is the $12.

Obviously taxes. Prop tax varies even within the state. Things to do varies. Like in my I would imagine there are tons of things to do that cost$ , whereas in smaller cities, for instance, there would be less plays, and they'd be cheaper.

(find should have been fund)

Do you have an ira? Every dollar you contribute up to the maximum comes right off your taxable income. So if you make 50,000 and contribute 5000 to your IRA, the IRS would act as if you only made 45000. It lowers your taxes.

Maybe she wants you to open up or more fully find some qualified plan

Have your roommate type a 'to whom it may concern letter saying 'Mr tipsy turtle is subletting my apartment at 123 main street." Then have someone mail you a letter and bring that in to. Do you have a pay stub with that address?

There was someone maybe within the year that posted that their older sibling helped them get an account. It sounded like they presented themselves as the guardian, so maybe it doesn't have to be a parent.

Get all the qualified investment money you can. IRA, 401k, HSA, anything. It is a limited time opportunity. Max out on everything you can.

What does the IRS require? If they require an actual appraiser to do it, then tell them your accountant suggested that.

We hired a guy once to appraise some business equipment, and our bank would not accept the appraisal because he was not an accredited appraiser.

Would seeing a spreadsheet that shows his dollar amount with a negative 8 percent interest rate (inflation) and what it does over time (compounding). Help?

I would just treat the average required as the min daily and call it good. Are we talking over a $ a month difference in interest?, and I be the fee is more than that if you round wrong

Then put a credit freeze on her account. Just in case!!!

Block delivery app from your phone. Stock fridge with things you like or can tolerate. Take credit card off things like food apps and Amazon. Maybe start dealing on cash for spending. Does laundramat cost $10 per visit once a week? That's 40. If $20per visit that is 80. What's the laptop for?

I have a Coach brand wallet, and a crook convinced me to give them $100. Does Coach owe me that money?

Were there candles or microwaving anything? Popcorn or something? I doubt it looks for nicotine, it is probably going after partculate size, like a smoke detector. I'm just supposing, as in have no direct knowledge.

There are time limits to chargebacks, I think. Be careful. Get everything in writing

Taxes are on a sliding scale. The more you make, the higher the rate. And the standard deduction is 13,850, so the first 13,850 doesn't get taxed as a single filer. Seeing as it is a flat deduction, it benefits the lower income the most. So the taxes are designed to give the most breaks to the lowest income. You can go to IRS.gov and look at the tax rates to see how much you'd pay. State is another issue.

Second job? Raise? Do they have a cheaper rental you could switch to?

A lease is what they can do, not necessarily what they will do. They can't treat you worse just because you talk to them

Don't spend unnecessary money and live below your means. Every coffee company, music streaming service, 'phone/device' store, and other online store is trying to separate you from your money. RESIST!

My bank charges $30 for outgoing domestic wire and $15 for incoming.

With my bank I can schedule a transfer with a set amount, from account to account, on a set day. So on the 15th of each month i could automatically transfer $100 from my checking to my credit card

Yes, there is an experience component to the premiums