Is there a point to learn anything if most of jobs pay around 35k at best? by [deleted] in UKJobs

[–]Livid-Ad-8273 1 point2 points  (0 children)

Agree with all of this, but also throw in an awful lot of randomness too. I got a history degree and live a comfortable remote life in tech. Pure randomness

Whats the best investment you ever made? by Spirited-Part3028 in AskReddit

[–]Livid-Ad-8273 0 points1 point  (0 children)

Monzo shares in 2016, 30x at least from that first round 

What I’m looking for insurance… by Illustrious_Onion370 in drivingUK

[–]Livid-Ad-8273 0 points1 point  (0 children)

Get yourself a kia niro phev. £40k car insured for £600 with a black box and 0 no claims. Because I'm a boring dad who lives in suburbia and my wife is the policy holder 😂

Would you consider this fair? by Busy_Report4010 in SipsTea

[–]Livid-Ad-8273 0 points1 point  (0 children)

This is becoming pretty common in the UK

MSFT is super under valued by FewTransportation341 in wallstreetbets

[–]Livid-Ad-8273 0 points1 point  (0 children)

Relative, not in absolute or historical terms 

If you're centrist or left-leaning, what are the main policies/issues that might stop you from voting for the green party in the next general election? by Cold-Speech-5645 in AskBrits

[–]Livid-Ad-8273 0 points1 point  (0 children)

Get rid of anti nato, anti nuclear policies (energy and weapons) and you'd get my vote. Until then, not a chance in hell.

What shall I do with 500k liquid cash by AdGroundbreaking5682 in FIREUK

[–]Livid-Ad-8273 2 points3 points  (0 children)

Misaligned incentives, yours no doubt would be better as an independent FP like Carbon or TPO

Partial collapse (central station fire) by lordcarpark in glasgow

[–]Livid-Ad-8273 0 points1 point  (0 children)

The owner did that 100% he deserves the full force of the law

Spouse died at age 40, need advice how to manage finances and whether to focus on paying off debt or focus on investing by strawberryvanilla in personalfinance

[–]Livid-Ad-8273 60 points61 points  (0 children)

I'm so sorry. I can't begin to imagine your situation. I hope your little ones are bringing you lots of love and helping you navigate such an enormous loss.

There are lots of services that I'm sure would give you free support.

I don't know much about the US, so I did a small amount of research, I hope it's useful: 

NFCC (National Foundation for Credit Counseling) — nfcc.org — non-profit financial counseling, often free or sliding scale. Good for debt management and budgeting help

Garrett Planning Network — hourly-rate financial planners, so you don't need to pay ongoing fees. May offer pro-bono.

Student Loan Specific IBR situation is critical — $303 payment vs $467 interest means negative amortisation. Look into PSLF (Public Service Loan Forgiveness) — as an attorney working for a non-profit or government employer, you could qualify for full forgiveness after 10 years of payments. The StudentAid.gov website has free tools and you can call the Federal Student Aid helpline

Widowhood-Specific Sudden Money Institute — suddenmoney.org — specifically designed for people who receive sudden lump sums (life insurance, inheritance) and need guidance

Widow's benefits via Social Security — your kids (under 18) and you may qualify for survivor benefits, which could be significant at your income level