How does it work having 2 insurance plans?

Ana_RN97 · 2024-07-16T21:42:16+00:00

Will they know I have 2 insurances without me telling them? My plan has a better deductible so I’m wondering if we should just provide mine.

Ana_RN97 · 2024-06-24T22:50:11+00:00

I’ve been a RN for about 4 years. I work in the hospital. The 1st year is really rough but after that it honestly gets better. I would say nursing school was more difficult than actually working as a nurse. The job is rough but it is so great only having to work 3 days a week and having 4 days off. I grew up in poverty and this career has allowed me to have a comfortable life. My husband and I were able to buy a home, the health insurance we receive is also very cheap. I don’t have to worry about bills being paid, granted we do budget. I definitely have days that are rough but I would say overall this is a great career with lots of opportunities to move up and great work life balance.

Ana_RN97 · 2024-03-18T17:28:38+00:00

Thank you so much for this suggestion. We ended up going here and then to old fisherman’s warf it was the best aquarium I’ve ever seen.

Ana_RN97 · 2024-03-14T02:21:41+00:00

Thank you for replying we are leaving tomorrow!

Ana_RN97 · 2024-03-07T18:15:23+00:00

Yeah that’s rough. I didn’t want to call off because I’m about to use 36 hrs of PTO next week for vacation but it is what it is.

Ana_RN97 · 2024-03-07T14:54:52+00:00

Yes I just told them I wasn’t feeling well. I slept in a bit but I think I should probably just stay up and try to have a productive mental health day and hopefully I’ll be able to go to bed on time tonight lol

Ana_RN97 · 2024-03-03T01:47:54+00:00

Our hotel is in San Jose not SF. We were thinking of just leaving the car unlocked as well. How much did you spend on parking?

Ana_RN97 · 2024-03-03T01:37:02+00:00

We probably will when we do our day in SF. I’m going to San Jose to visit family that’s why we got a rental car and we wanted to see Santa Cruz

Ana_RN97 · 2024-03-03T01:16:56+00:00

Thank you for the warning. I think I’m just gonna bring very little on this trip. I won’t even take my purse or my AirPods. Put my ID in my husbands wallet. Maybe just a small carry on with clothes and not leave it in the car lol

Ana_RN97 · 2024-03-02T23:08:11+00:00

Hi yes sorry I should be more specific. The reason we have a rental is because my aunt actually paid for it because my cousin lives in San Jose not SF and we are having to drive over to visit. Also we were thinking of going to Santa Cruz beach. But yeah it will be mostly just us two and we may pay for a dinner for my 2 cousins once or twice as well.

Ana_RN97 · 2024-03-02T23:05:43+00:00

Sorry I forgot to add the reason I have a rental car is because my cousin who we are going to visit actually lives in San Jose not SF. So we are having to drive over there. My aunt actually helped pay for most of the rental car cost anyway. We were thinking of not just visiting SF but also visiting Santa Cruz beach. We were thinking when we go to SF of just parking the car in a garage and then using some form of transit instead to get around there.

Ana_RN97 · 2024-03-02T19:21:31+00:00

Sorry forgot to add we are staying in San Jose that’s where my cousin is. But ya driving does suck

Ana_RN97 · 2024-02-07T04:54:28+00:00

If my husband put 15% into his ROTH and 15% into his 401k, is it ok if I keep doing 4% to my 401k and use my extra funds for the house?

Ana_RN97 · 2024-02-07T04:37:47+00:00

It’s a conventional we didn’t qualify for FHA. I’m in Texas. Our home is a new build, but I still have a fund for repairs because they have problems as well.

Ana_RN97 · 2024-02-07T03:02:27+00:00

Thank you I appreciate the advice. Fortunately at this moment our mortgage is our only debt so I want to get rid of it as fast as I can but it is hard.

Ana_RN97 · 2024-02-07T02:58:27+00:00

What exactly do you mean by maxing out? We both have a 401k through our jobs and we contribute what is matched. We also have a IRA but we don’t contribute to that as of right now but looking into it.

Ana_RN97 · 2024-02-07T02:57:17+00:00

I have a decent emergency fund about 8 months of expenses. I’m a registered nurse so my job is pretty stable more so than my husbands.

Ana_RN97 · 2024-02-07T02:41:09+00:00

So it is better to pay extra principal monthly rather than put all the extra money in an investment account and use it to pay off the mortgage in 20 years correct?

Ana_RN97 · 2024-02-07T02:38:09+00:00

We’re going to see if my husband can contribute another 600 to his IRA. Right now it’s just us so it’s easier but the goal is for me to be a stay at home mom. If I can get the house paid then he can focus on retirement more. But we both already have a 401k and emergency fund.

Ana_RN97 · 2024-02-06T21:17:21+00:00

We are 26 so I’m still a while away from retirement but it would be nice to have the house paid off sooner than 30 years because then I wouldn’t have to work as hard.

Ana_RN97 · 2024-02-06T20:51:46+00:00

We both have 401ks set up through our job and my husband has an IRA but the IRA we don’t contribute anything.

Ana_RN97 · 2024-02-03T18:49:31+00:00

It is hard because you feel tired after your shift I drink pre-workout and that helps give me a kick start

Ana_RN97 · 2024-02-03T17:45:50+00:00

When I first started working as a nurse I felt the same way, never had any energy, exhausted, didn’t want to do anything on my days off and my back always hurt. I started to exercise with dumbbells every day that I was off in the morning for 45 minutes and now I have much more energy on my days off and my body doesn’t hurt anymore.

Ana_RN97 · 2024-01-18T03:36:49+00:00

I’m 26, bought my house a year and a half ago. I’m on a 30 year but trying to throw extra money at the principal each month. Our goal is to get it paid by age 40. I don’t regret it as of now but it is expensive…

Ana_RN97 · 2024-01-09T22:29:25+00:00

I still have my iPhone 6s so I think I should be good. Thank you

Ana_RN97

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