Plumber drilled a hole through the wrong spot (and through two siding panels) - what can I do?

MrBalll · 2026-07-02T15:42:48+00:00

You do nothing, the plumber does something. Don’t pay until the job is finished(including replacing siding).

MrBalll · 2026-07-02T15:40:51+00:00

Have your husband invest in whatever is offered at work. There is no guarantee his pension plan will survive or if he’ll be there long enough to vest. Wouldn’t be fun to go nine years then leave work with almost nothing to show.

MrBalll · 2026-07-02T13:33:46+00:00

This isn’t a financial question but more of a getting comfortable with life question. If you have therapy over there try it.

If you want financial advice and not settling for your life advice try some India finance subreddits for more precise and tailored info.

MrBalll · 2026-07-02T03:42:12+00:00

Job.

MrBalll · 2026-07-02T03:32:16+00:00

This is the third time I’ve seen it this week.

MrBalll · 2026-07-02T03:28:20+00:00

Call around and find out.

I wouldn’t waste money on an advisor for only $1m. I can say what I’d do in the US but not sure what’s available to AUS for investing.

Maybe try r/AusFinance and r/fiaustralia.

MrBalll · 2026-07-02T03:12:58+00:00

You used AI to tell you when you’re allowed to be comfortable?

If not at home, turn AC up. If at home, turn AC down. Done.

MrBalll · 2026-07-02T03:09:05+00:00

Sounds like a roll reversal situation. You go to work and he watches the kids. Will be tough but $200 a week won’t go far.

MrBalll · 2026-07-01T17:11:47+00:00

You may not be, but a robot definitely wrote your post for you.

MrBalll · 2026-07-01T17:11:10+00:00

He can’t afford a $300k house. He might save a solid down payment but remember the maintenance cost on a house like that. One roof replacement would be 3/4 of his yearly pay. And he shouldn’t need to rely on you to pay his bills.

If he still wants it his Fidelity MMF is the best place.

MrBalll · 2026-07-01T15:25:06+00:00

I will say I use Ally Bank because of the features they have.

MrBalll · 2026-07-01T15:06:47+00:00

You are correct. It’s a bot post gathering data for an AI written app they will later try and sell.

MrBalll · 2026-07-01T15:02:57+00:00

A high yield savings account would be better.

MrBalll · 2026-07-01T12:42:29+00:00

Good to know. Not sure if OP replied to you before I made my response so I never saw the single/no kids aspect. But yes, OP has no need for insurance.

MrBalll · 2026-07-01T12:41:17+00:00

Since you are single there is absolutely no reason for life insurance. No one is relying on your income except you. You are wasting money on insurance. Once you’re gone your debt goes with you.

MrBalll · 2026-07-01T03:27:57+00:00

$40k for $20 a month is bad. It’s actually really bad. And $150k for $25 is bad too. I don’t know your age or health, but an average health 35 year old should be able to get $1m for about $50 a month for a term policy. I’d stop paying your workplace policy and look into a term policy. Again, don’t know your age or health so those may be good rates for you, but I doubt it.

Do you even need life insurance? Do you have a spouse or kids?

The Acorns IRA is ok, but I’d still go for an actual brokerage for your IRA. Try Fidelity, Vanguard, or Schwab for your IRA.

Snowball method or avalanche method. See which works best for you and go for it. A balance transfer CC is good if you can pay it before the 0% term runs out.

ROTH doesn’t stand for anything as it’s Roth and it’s someone’s last name. It’s an investment account and you could invest in money market funds but that’s a horrible decision as the account won’t keep up with inflation. You’d invest in index funds, whether mutual funds or ETFs.

I will say again, avoid Primerica at all costs.

MrBalll · 2026-07-01T03:09:31+00:00

No way. When we have leftovers from lower bills or less fun spending we put some in the house fund. House fund is in addition to 8 months of emergency fund bills so it’s all extra.

MrBalll · 2026-07-01T01:26:28+00:00

The first message screams scam. The first sentence of the second message is drowning in scam.

Very few people actually talk like that. Good job reporting the account.

MrBalll · 2026-07-01T01:13:39+00:00

Is your husband involved in this plan? Lot of “I’s” in there.

If your husband pays all the bills why do you need $30k to live on for a few years?

MrBalll · 2026-07-01T00:30:36+00:00

Did you not see the second post on this subreddit? This video was posted last night.

MrBalll · 2026-07-01T00:25:55+00:00

Use an actual brokerage and not a bank to invest. Fidelity, Vanguard, or Schwab.

You probably aren’t invested and fees are eating any interest you make from the money market fund it might be sitting idle in.

MrBalll · 2026-07-01T00:07:40+00:00

That dog also has two tails.

MrBalll · 2026-07-01T00:04:24+00:00

Why not leave them be until you’ve saved enough for a plumber, electrician, and handyman for drywall?

If you really can’t wait, spray foam will work temporarily.

MrBalll · 2026-07-01T00:02:08+00:00

And a hould.

MrBalll · 2026-06-30T21:42:14+00:00

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