For two years you want treasuries or money market funds or you risk having less money than you started with

If you have no other retirement, I would definitely not concentrate 85% of my wealth in a single asset.

In the current market, there's little difference between new and used if you'll drive it into the ground (assuming you're looking at new or gently used). You need to go 5-8 years use to get a decent 'deal' these days.

That assumes you can afford the upfront outlay needed for a new car

> PRN

You'll need to confirm how that impacts the vesting

Are you still employed there? If so, don't worry about it

No choosing high interest credit card debt is never a good option

You may want to check your other reports as well. Information can differ sometimes

Pull your actual report. Should be a way to do that on Experian

Pull your credit report to see how many inquiries are in there. May have been unrelated if it’s only one.

Nah. Now you’re fine. We’re here to keep you honest

Do you have few credit accounts?

Mutual fund prices don’t update until 6pm

So you didn’t wait long enough to check

Do you have. Avery thin file?

Credit Building: https://www.reddit.com/r/personalfinance/wiki/credit_building

Credit Card Basics: https://www.reddit.com/r/CreditCards/wiki/credit_cards_basics

If he’s out of country it will limit wire fees

Freetaxusa.

Always freetaxusa

> Why doesn’t everyone just do that then?

I dunno.

We tell them to all the time but people think they’re smart and can outperform the market or they want to bet it all on large cap growth or are insistent that small cap value will our perform. Or they want to buy the cool new stock that totally won’t be a dud.

> Is that the only reason to add other allocations?

Bonds reduce volatility without significantly impacting returns. I have a link from /r/investing I can share when I get to a computer.

Everything else is already present in a total world index

“VT and chill” is a pretty common saying on /r/bogleheads

1040 is your tax return. Just means tax return. Sorry for the shorthand

(Well it’s the primary document in your tax return anyway)

I mean, you can with VTWAX.

Otherwise you miss segments of the market depending on what you skip.

Your tax federal liability should only be about 2309. Seems you may have entered something incorrectly in your 1040 unless you have other income or a premium tax credit you don’t now qualify for or something.

You can report tips on Line 1 of the 1040

How much was withheld for federal income tax? Box 2 on the w2

Did you choose married for your w4?

You are required to declare all of your tips

Yeah. The phase out for traditional Ira deductions is very low if covered by a retirement plan

>So if xyz bank wrote off the loan...why should I be required to pay a company I never entered into an agreement with?

Because the collector bought the loan contract from the bank

An example clause in the credit card agreement:

>WE MAY SELL YOUR ACCOUNT We may at any time, and without notice to you, sell, assign or transfer your account, any amounts due on your account, this Agreement, or our rights or obligations under your account or this Agreement to any person or entity. The person or entity to whom we make any such sale, assignment or transfer shall be entitled to all of our rights and shall assume our obligations under this Agreement, to the extent sold, assigned or transferred.

Any brokerage.

Fidelity, schwab, vanguard, wealthfront, betterment, m1 finance, TD ameritrade, Merril, etc.

Fidelity will probably be easiest.

You can get help at /r/fidelityinvestments