I actually have three now - Capital One, Citi, and my local credit union.

Yes.

Your goals look great. I would just do $300/month for the HSA to make sure you don't over contribute and get in trouble, especially if you're a lump sum and forget about it type.

I 100% agree with getting your Roth contribution done ASAP. The market is garbage right now. Might as well get in while the getting is good.

Solar credits are not income-limited. At all.

You might be able to use your low income year to qualify for low income green incentives, however. This would probably be something for 2024 when you can document your low income with your 2023 tax returns. There are state programs available (I'm getting nearly $13k off of my solar project). By the time you can use it, the High Efficiency Electric Home Rebate program should be up and running.

Other stuff you'll qualify for include the full child tax credit, but you don't have to do anything special to get this.

I'm in the exact same boat, and I plan to take the tax credit in 2022. The rules specifically say they have to be installed. They do not specify that they must be "placed in service."

FYI - I am a tax professional, and I don't feel like this is a high-risk position.

If you don't need the cash for a long time, an I-bond is still a good option. Other than that, I recommend HYSA. Mine are up to 3.5%.

1. talk to your landlord and see if you can work something out, 2) get divorced (you have no assets, so the paperwork should be relatively easy), 3) get a better job.