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There is just healthcare.gov and her healthcare website (she is caresource). I'll have her look at her healthcare.gov site.

it seems all the odds are stacked against one

You expect a refund from zero income and arguably no taxes withheld?

That’s going to be the point of contention. Is there an online portal of state medical insurance where you are? We use CoveredCA here. That would have any record of income change.

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Own occ is rarely needed for most office job types. Your financial advisor is correct - it’s really only needed for very specific professions requiring specific (especially physical) skills (doctors, dentists, musicians, tradesmen, etc).

Think of it this way - if you or I lost a finger somehow, no big deal. A neurosurgeon loses a finger, and now they are out a million dollars a year in income.

Own Occ is a lot more expensive. Anything that would keep someone from doing a typical office job would likely keep them from doing any job (such as a terminal cancer diagnosis, or degenerative neurological condition).

out of context much?! It rains a lot here. No car and only bike means making dangerous choices.

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I mean this in the nicest way possible, you make way too much money to be this messed up financially.

Please tell us that it was the 13.4% loans and that you didn't pay off your lowest interest debt. That will be the only silver lining here. Nothing else makes sense.

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Probably won't see any benefits from your medical expenses then. You have to itemize to claim medical expenses. If filing separately and one of you itemizes, then the other person must as well. You will probably owe more or have a smaller refund if you file separately.

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Thanks for the insight, I really appreciate it.

I paid off my private student loans (they were like 8%), and now the federal ones I have left.. I think they're around 4%?

I think for the short term, I will open a savings account with Ally until I open the Roth IRA.

Many suggest to go to Vanguard for a Roth IRA, what are your thoughts on where I should start with that? Is there a best time to open one? Do I contribute money all at once and max out or periodically put money in? How do you choose which fund to put it in?

I appreciate the advice on the stocks, hopefully I can get to the point of deciding what to do with them if I stay long enough for all of it to vest!

Id recommend you check out the blog askamanager. Its great for career advice. When hiring, ive never held job hopping against candidates before college because retail jobs or student jobs or temp work just is like that and its expected.

However, just some advice from someone wgo had bad burnout later in their career...if your work isnt going to discipline or provide incentive for hard work (ie promotion or bonuses or pay raise) then its not worth it to burn youself out. While working hard generally is good in a career, doing too much (and a lot more than your coworkers) when its not rewarded is a recipie for burnout. Getting resentful is a sign burnout is happening. Managment KNOWS how to manage. They are just choosing not to becuase its easier for everyone to just have you do all the work. Thats super shitty. So two things: 1) leaving isnt bad and 2) dont get into this pattern of doing way the fuck more than everyone again. It just gets worse as your career means more to you....and bad burnout (like really bad) can literally inpact your sanity and lead to really bad things like major depression.

It depends on the person. I absolutely would put in the effort for example. Basically no extra stress, 5 minutes a month tops, can be done alongside my other banking already.

I was able to talk to my employer and they have unmarked me as exempt for the current year, so that is not my problem.

I am now trying to figure out what forms I should use to report the FICA taxes on my tax return and make appropriate payment.

I understand, everything comes with risk. Currently investing in VOO and SCHD. What would you recommend for serious wealth building? besides real state.

Of course he does. Irritating, obviously slimy salesmen make no sales.

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Sure but there’s a mathematical/dollar value associated with having a better emotional state. And it’s such a small amount of money, it’s just not worth any effort/stress/time to arbitrage a $20,000 loan at 3% against a hysc at 4%.

How is your credit? Can you apply for a balance transfer card or even a few so you can be paying a chunk off with no interest? This is not a free pass, this gives you a certain period of time to pay it off before you have interest again, but to be paying completely to the principle balance can cut down on interest paid and total cost paid.

“If you don’t like your job, you don’t quit! You just go in every day and do it really half-assed. That's the American way.” - Homer Simpson