I'd also recommend The Aquariums of Pyongyang

Married filing jointly is what you will now do for taxes for the year 2023, assuming you get married this year. If anything, it will afford you a bigger tax refund this year.

A prenup is probably unnecessary as neither of you have assets to protect.

The other partners debt will only affect the other spouse if you apply jointly for credit, such as for a mortgage. Work to pay off your debts ASAP together.

SMART MOVE on the cheap wedding, hats off to ya. Make it a special day, but don't blow a fortune.

I'm a big proponent of joint finances, unless you have any doubts about the long term stability of your marriage. Which, if you're getting married, I hope you wouldn't have, but some people do I guess. Keeping joint finances is great because there's never a question of who pays what, or "his" vs "hers" or whatever. It's OURS. OUR bank account, OUR finances, OUR taxes, OUR cars, OUR debts, OUR credit cards.

Talk in depth about your financial perspectives, goals and dreams, and then hold each other accountable to them. Too many marriages fail because of financial problems, but if you both can be adults about it, you can build wealth together.

W2s, 1098-T (if student), any relevant tax statements from your bank, investment firms, brokerages, etc.

As you go through your taxes the software will tell you what form is needed for [thing]. If you think it applies to you, go look for the form in the relevant account you hold.

I just did mine a couple days ago, had to go through 3-4 different accounts gathering everything that I forgot about when I started.

Can they withdraw in RMB?

https://nhglobalpartners.com/moving-money-in-and-out-china-rules/

Well price it out, see if you have cash on hand to afford it.

If not, see what your monthly payment estimate would be, does it fit within your budget?

Yes? --> cool

No? --> consider something cheaper

I doubt you'll find anything outside of your budget, tbh but that doesn't necessarily mean it's a financially wise decision.

You do you though.

Your remaining income per month is more than 90%+ of others in the US have as pre-tax income per month.

You can afford just about anything. The question is, should you? Would a $25k sedan from Toyota that will last 15+ years meet your needs? If so, would it be worth saving the rest of your money instead of using it for a more expensive car

Compared to China, North Korea, SE Asia, most of Africa and the Middle East, most of South and Central America, a good majority of Europe, and Antarctica*

FTFY

Accept offer for $1 billion per year salary

Work only the first week and do such a bad job they fire you

Net $19.2 million

Retire

No offense, but even with the windfall you don't have enough money to need a financial advisor. Don't waste your time or money.

Everything you need to know is in the sidebar of this subreddit, especially the section about windfalls.

18% is a crazy high interest rate.

If you can run away, do it.

Do you have savings sufficient to purchase a used car? If you stick with this loan you will be paying $8400 per year for many years. You will outpay the value of the car a considerable amount.

at the least they could identify for you what kind of lawyer to look for, if you list your state in the post they may be able to direct you to resources from your state's bar association.

cross post to /r/legaladvice for assistance retaining counsel that deals with this topic.

Best of luck to you, this is a rough situation

Does your work offer an HSA contribution? That might be the difference.

My work gives a hefty HSA chunk of money each year in addition to our own contributions, which is enough for me to have chosen the HDHP plan.