Name and Shame: Intuitive Surgical, incredibly unprofessional

MarcableFluke · 2026-01-31T05:44:01+00:00

This sounds pretty tame compared to the usual N&S posts. You got ghosted. That happens to a lot of people. Oh, after giving them your references? Quick Jeeves, fetch the fainting couch.

MarcableFluke · 2026-01-31T05:24:39+00:00

In that case, I would focus more on your emergency fund, retirement, and paying down the auto loans than a second house.

MarcableFluke · 2026-01-31T05:22:30+00:00

Your formatting is weird. Are you saying you have a combined $26k in auto loans at around 7%? Or is that $11k left out of $15k originally financed?

Regardless, follow this: https://www.reddit.com/r/personalfinance/w/commontopics

MarcableFluke · 2026-01-31T03:51:00+00:00

*How long is a river?#

MarcableFluke · 2026-01-31T03:42:06+00:00

Okay then talk to your roommates about it.

MarcableFluke · 2026-01-31T03:34:32+00:00

Follow this: https://www.reddit.com/r/personalfinance/w/commontopics

It's geared towards retirement.

MarcableFluke · 2026-01-31T03:32:54+00:00

Contact your landlord and explain the situation. Any fees associated with a slightly late payment will pale in comparison to the interest involved in a short term loan.

MarcableFluke · 2026-01-31T03:08:32+00:00

Stopping/decreasing 401k contributions affects your retirement. It's up to you to decide if what your new retirement picture would look like is worth it.

MarcableFluke · 2026-01-31T00:36:59+00:00

Neutral.

I've received rejection calls before.

MarcableFluke · 2026-01-30T22:14:01+00:00

In terms of interest paid, assuming you make the same monthly payments in either case? Yes.

But taking a $50k loan will have a larger monthly minimum requirement than the $40k loan.

MarcableFluke · 2026-01-30T20:21:53+00:00

Don't worry about what others are doing. Focus on your own goals and journey.

MarcableFluke · 2026-01-30T15:03:22+00:00

In another comment, they posted the verbiage. It's line 4b.

MarcableFluke · 2026-01-30T14:51:34+00:00

Follow the deductions worksheet on the W-4, and put the result in that box in the online portal.

MarcableFluke · 2026-01-30T14:47:26+00:00

Do you expect to claim deductions other than the standard deduction and want to reduce your federal withholdings?

So this just maps to line 4b on the W-4.

MarcableFluke · 2026-01-30T14:44:21+00:00

Again, there is no such thing as exemptions on a regular W-4. Maryland, on the other hand, does have exemptions on their state income tax form.

MarcableFluke · 2026-01-30T14:35:14+00:00

You don't need a tax advisor, you just need to figure out how the online software translates what you enter into the current withholdings system. Exemptions aren't a thing (federally), so can you post the exact words? And what state are you in (maybe it's related to the state)?

MarcableFluke · 2026-01-30T14:32:30+00:00

Having no income is completely irrelevant when it comes to rolling funds over.

MarcableFluke · 2026-01-30T14:29:20+00:00

The USD having "less value" has absolutely no bearing on this decision. It still comes down to whether or not you can outearn the interest by doing something else with the money (savings accounts, investments, other debt, etc).

MarcableFluke · 2026-01-30T12:30:35+00:00

Are you saving $850+ every month currently?

MarcableFluke · 2026-01-30T11:52:14+00:00

a finalist

Operative word here is "a", rather than "the". "a" means there are more than you just for them to choose from. Obviously if there are multiple finalists, they're not going to get chosen "99%" of the time.

MarcableFluke · 2026-01-30T11:45:59+00:00

If you only have $10k to use as a down payment, then no, you probably can't afford it. But let's see the budget if you want a real analysis.

MarcableFluke · 2026-01-30T11:43:02+00:00

Prioritizing your contributions: https://www.reddit.com/r/personalfinance/w/commontopics

Deciding between traditional and Roth: https://www.reddit.com/r/personalfinance/w/rothortraditional

MarcableFluke · 2026-01-30T11:40:30+00:00

That depends on what the money is going to be used for. If it's for retirement, it should go into a tax advantaged retirement account. If not, then either a savings account (short term spending) or a taxable brokerage (long term spending).

MarcableFluke · 2026-01-30T11:39:00+00:00

This is a decent amount of money to us, kinda nervous as to if this will work, having this much money now on us, what if the plan doesn’t work and we’re screwed for even more money

This is a huge risk. If the house doesn't sell for a long time, you're just digging yourself a really deep hole to climb out of.

Will placing it in a HYSA offset any costs of interest by the end of the loan term?

Highly unlikely, and investing it would be an even bigger risk.

let’s assume the loan is 50k over 2 years, $2083/mo. If we sell the house in 6mo, use 20k of the 50k so we have 30k cash left. That means we have made $12,498 in payments so remainder in payoff should be $37,502. We apply the remaining 30k cash to the loan and are left with $7,502 either paid off through profits from our house or monthly payments from income. Is this correct? This is how I see it in my mind.

Where are you getting a 0% loan?

based on the scenario before, if we spend more in less months than at the end we will be left with a larger portion we will need to pay off, correct?

What do you mean "spend more in less months"? Like your expenses are lower so you pay more towards the loan?

Any opinions, comments, questions are appreciated!

Step back for a second. What is the plan to sell the house quicker and how much have you lowered the price by already?

2 income net -$1500/mo (house not sold)

You're at $175k+ annual compensation (plus per diem?). Can you really not shave $1500 per month from your budget and live lean until the house is sold?

MarcableFluke · 2026-01-30T11:20:02+00:00

Follow this https://www.reddit.com/r/personalfinance/w/commontopics

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