I'm not sure why or how equating saving money on interest expense to risking money on short-term investments is funny, but... OK?

3 & 4 are the same thing, so your unwillingness to do 4 rules out 3.

2 only makes sense if you will save interest.

1 is just fine, hard inquiries don't have much effect on your credit and they have no effect after 12 months.

Well, I guess since you're in the unique scenario where it will become impossible (must be illegal in your area now) to find shared housing in July, and there are only brand new cars available to purchase, I guess you have no choice here.

You're going to be in a bad financial situation, I'd start cutting other spending drastically immediately. You "one month unique" situation cost you an entire month of income in credit card debt and you have very low savings for all the things you need to accomplish. Hopefully you can cut most of that $1,100 in general spending, because you're choosing an expensive car, expensive housing and whatever you bought for the holidays over those items.

You probably need to stay in your shared housing situation (or find another with similar costs) and purchase a cheaper vehicle. Various thoughts:

• A $3k used car might not exist in your market, but there are certainly cars that will cost less than $500/month in finance charges with a $5k+ down payment. That's a huge range and for some reason, you've only considered only the extremes.
• $5k in savings is enough for an emergency fund, a car down payment, or a moving fund, but not enough for all three. You don't have enough savings to do all of these things at once.
• Using your credit limit to make spending decisions is insane. You need a complete budget, both to guide your spending and evaluate the decision to move. Right now, you've said nothing about costs other than groceries, rent & bills and debt. Most people also buy household goods, clothing, medical care, and they certainly have to maintain a vehicle if they have one. Those gaps make this decision impossible to evaluate.

You can ask them if you can pay the premium to reinstate the policy, but given that it was cancelled on December 2nd, you're probably past that point. Without insurance, you are personally liable for any damage you caused in the accident, to yourself, your own property, as well as anyone else or their property. You'll also likely be cited for driving without insurance if law enforcement is involved - don't fail to report the accident if your state's laws require it, even if you will then get a ticket for not having insurance. The penalty for not reporting an accident will be worse.

Stop driving your car immediately and don't drive it again until you have insurance.

>Will this scare off landlords and property management groups even if everything else checks out?

Maybe, unless your state includes being homeless or living in a shelter as a protected class for housing, they are free to deny your application for that reason.

>Will they even know it's a homeless shelter since all they'll be given is the address?

Probably. Maybe they won't care to check references or verify where you lived previously, but if they do, they will figure it out.

You are likely going to have a harder time finding housing because of your lack of rental history. Having a letter written that explains that you were homeless, you've taken XYZ steps to stabilize your situation and are now looking for your own housing can help. So can having a positive reference from the shelter or another case manager that you were a good resident, are working on stabilizing your situation, etc. If your community offers "Rent Well" courses or assistance to homeless individuals in finding housing, take advantage of it, they may have programs to educate and incentivize landlords, and supports for you.

Personal loans from other banks and credit unions may have lower rates. If you can qualify for a credit card with that limit offering a 0% promotional interest rate, and make whatever purchase using your card, that would work as well. Ideally, you'll go back to the drawing board and not borrow the money at all.

Let me say one thing. My response wasn't rude.

No, your story still does not make sense. It seems like you believe your father stole money from you. A lawyer can help you get the money back if that is the case. Your state's bar association can give you a free referral to a lawyer.

Your story doesn't make much sense. If you want to pursue this further, you'll need a lawyer who can go through the documents and make sense of what you're saying.

You are almost certainly going to retire. Most people live long enough to have health issues that require them to reduce their income due to needing to work less or change jobs. In addition, age discrimination is real, finding and keeping a job as you get older may become more difficult. You can choose to take this money out now and have nothing for when that happens, or you can leave it in to grow and at least have something. In most cases, something is better than nothing.

Figure out a way to solve your debt issue with your current income, and start looking at ways to earn more, that's the solution to both problems.

>Anything else i would need to do to prevent them from screwing me over?

You would need to actually resolve the issue. You need to appeal their decision, ask for the evidence that you authorized the payment, and send a copy of the police report you filed stating that money was stolen from your account via a fraudulent wire transaction. If they don't rule in your favor, file a complaint with the CFPB providing all of that and an explanation of all of your communication with Wells Fargo.

Closing the account and letting it go to collections is a great way to wind up with a lawsuit, and an judgment saying you HAVE to pay the penalties for your account going negative, and they can garnish your wages to make you do it.

I think you're vastly over-estimating how much impact the small number of people who max their IRAs on January 1st have compared to investors overall. Consider that many, if not most IRA users do not max them on January 1st and that the people with the most to invest put way more than $6k into the stock market annually, and again, usually monthly, not all on January 1st.

Make a budget, minimize your expenses so that you can focus on your stated priorities of paying off debt, fixing issues with your home and preparing to sell your home. Look at everything - the fact that your car payment is lower than it was does not mean it is as low as it can be. Before you commit to spending money, ask yourself - is this expense more important to me than my debt pay-off, home repair and home sale goals?

Then, apply your money as follows:

• Get all debts current
• Pay minimum payments on all debt to keep them current
• Direct all other funds to the highest interest rate debt until paid off, then rinse and repeat with the next highest rate debt
• Fund home repairs
• Fund costs to sell home/move

You should shop around to other dealers and see what you could get for the truck private party so that you know you are selling it for the best price. Similarly, shop around for your next vehicle, and consider other makes/models that meet your needs to ensure you're getting a good value on the vehicle you purchase.

The IRS has a tool to help you determine the best way to fill out your W4: https://www.irs.gov/individuals/tax-withholding-estimator

California may have a similar tool for state withholding. Complete those tools and give new W4s to your employer. Repeat the process at the start of 2023, and 1-2 times/year (more often if you have a change in your income or other factors that affect your taxes) so that you know your withholding is correct.

There are plenty of tax estimators out there, run a couple with your estimated income and decide if you want to consider getting married this year for tax benefits. Keep in mind that this "paper marriage" is an actual legal marriage, and will affect more than your taxes.

If you are married on 12/31/2022, then you will file as married for 2022. Taxes aren't levied on a per paycheck basis. If you want to change how much is withheld from your paycheck you will need to fill out a new W4 and give it to your employer.

This is still the answer: https://www.reddit.com/r/personalfinance/wiki/commontopics

You need to evaluate your priorities and balance saving enough for retirement with saving for a down payment on property and starting a Turo business. I would not count your real estate or Turo business as part of your retirement savings, and I would not save less than I needed for retirement because of a market downturn and a desire to rent out cars on Turo.