You do not need an advisor to manage your investments, especially when you have 30 years to retirement.

Put money in broad diversified index funds like VTI and VXUS or pick a Vanguard/Fidelity Target Date Retirement index fund. The fees are essentially 0. Break up with your financial “advisor” ASAP

/r/bogleheads

You can afford it but it wasn’t the best decision you could have made. Life goes on. You should try to pay off the car sooner than 6 years, it depreciates and you don’t want to be underwater on the loan.

You are probably holding too much cash, you should follow the flow chart in the wiki here.

How fast could you pay it off if you don’t?

What is the plan for the money? When do you need the money? Those questions matter more. If you don’t need the money any time soon it should be invested.

If you are using it for a house this year it should be in a savings account or cash equivalent like t bills or a CD

This is an indirect rollover. You need to redeposit the whole distribution amount within 60 days despite taxes being taken out (If your balance was 10,000 but your check is 8,000, you still need to deposit 10,000). Then you should receive the taxes that were withheld in your tax refund for next year.

Yes the funds are 0 fees and Fidelity loss leaders. They are good options if you plan on keeping your money with Fidelity or for money in retirement accounts (because you can sell and transfer without incurring taxes).

I believe FTIHX is close to FZILX similar to how FSKAX is close to FZROX. With just the two you are diversified across the entire world stock market so they are all you need. Whatever you pick they all have very low fees so you can’t go wrong.

FSKAX is essentially equivalent to FZROX so you can pick one or the other it does not really matter. Adding funds does not add diversification if the funds cover the same thing, so no reason to make it more complicated on yourself.

FSKAX may be more beneficial to keep in a taxable account because you can transfer it out of fidelity if that is something you ever want to do, FZROX cannot be transferred out of fidelity and may force you to pay taxes if you ever want to move the investments.

Your fund choices are good and well diversified.

You should ask your company, but that may be that they will contribute 5% regardless of whether you contribute anything or not.

If they don’t pay you owe the rent or your credit gets hit. Seems like it would be risky considering your parents have debt and sibling won’t make enough to comfortably cover rent.

Yes

Bonuses are often taxed at a higher rate because the payment system calculates them as if you would make that amount every paycheck. You will get whatever amount you overpaid back in your tax refund.

Yes those funds are okay. Low fees and well diversified.

It was sarcasm, the point is no one bats an eye when they are buying high but then all of a sudden prices drop and people stop buying. Stocks are the only place people are more happy to buy high over buying low. People should always be buying regardless but many people don’t

You know what they say, buy high sell low… the best time to invest is when the market is down and people are scared. You have technically not lost anything if you didn’t sell, and if you are worried about the volatility you should look at changing your asset allocation to something a bit less volatile where you would still be comfortable investing.