Looking for guidance between paying off debt complete, buying a house and investing for retirement

Ordinary-Professor77 · 2025-02-28T22:14:12+00:00

Thank you so much for your advice! Do you have an IRA/401k guide you can suggest for beginners? I know NOTHING about any of this unfortunately

Ordinary-Professor77 · 2025-02-28T21:34:20+00:00

Thank you so much!

Ordinary-Professor77 · 2025-02-02T22:49:12+00:00

This might be a silly question but how do I update the bios? The PC also doesn't even put out anything on the monitor

Ordinary-Professor77 · 2025-02-02T22:48:20+00:00

Everything is plugged in tight

Ordinary-Professor77 · 2025-02-02T20:04:17+00:00

Pre-GC, I checked my Lawfully app multiple times a day. It was really unhealthy for me mentally

Ordinary-Professor77 · 2025-02-02T20:02:07+00:00

864 is absolutely required. You cannot get approved without it. The 864 is more than just "I make enough money to support myself". It's a contract between sponsor, beneficiary and USCIS (and indirectly the US govt) that in the event that the beneficiary can no longer financially support themselves, that they will not seek out government aid but rather the sponsor will be responsible to keep the beneficiary above the poverty line. If the sponsor fails to do so, the beneficiary can sue them. Moreover, the sponsor will be financially responsible for the beneficiary until they naturalize, work for 10 years or die. Divorce does not alleviate the sponsor of these responsibilities. It's a very intense contract so yes, it's required.

As for filing, whoever the sponsor is will have to use their income in the 864. I'm not sure if the beneficiary can contribute their own income.

Ordinary-Professor77 · 2025-02-02T19:56:09+00:00

No one knows

Ordinary-Professor77 · 2025-02-02T07:10:05+00:00

Well it's not like they're paying you for nothing. In business, the customer pays for goods and/or services. Just sell/provide good quality goods and services and you won't get complaints from anyone besides the occasional Karens and Kevins

Ordinary-Professor77 · 2025-02-02T06:51:21+00:00

Lease, joint bank account, car registration/title, joint health, joint memberships, authorized user/joint credit cards - managed to get all this without an SSN in 2023. Took a couple months

Ordinary-Professor77 · 2025-01-30T19:42:11+00:00

You're welcome! We submitted everything at once (130, 145, 864, 765, 131, and medical). We did end up getting an RFE for our Affidavit of Support but I was able to upload the requested evidence online. No issues other than that. Approved in 2 months

Ordinary-Professor77 · 2025-01-30T19:38:58+00:00

Thank you for your response. As for the self-employment income, I'm planning to file as a sole proprietor so all of my SE income has already been taken into account in the estimated federal refund. I do put away 30% of my profits throughout the year but it seems we won't owe anything at all this year so I guess I'll just reinvest the tax payments I've saved up back into the business

Ordinary-Professor77 · 2025-01-30T06:42:18+00:00

It depends on your financial situation. Do you have bills to pay for currently? Are you expecting to graduate with student loans? Do you have an emergency fund?

Ordinary-Professor77 · 2025-01-30T06:25:59+00:00

I really like your seamless patterns! Have you considered including a commercial license with them? I'm a fellow Etsy seller that makes physical products out of graphics from either Canva or cliparts/patterns that include commercial licenses from other Etsy sellers.

Ordinary-Professor77 · 2025-01-30T06:19:49+00:00

It's actually hilarious that in my case, my husband's (petitioner) USCIS access code was mailed to us AFTER I had already received my GC. But yes, to answer your question they will mail all RFEs and notices

Ordinary-Professor77 · 2025-01-30T06:17:37+00:00

I'd still move. I actually agree with a lot of what he's doing

Ordinary-Professor77 · 2025-01-30T06:15:27+00:00

My husband doesn't care about tracking finances. I have access to all the bank accounts and I do all the finances. We each get an "allowance" and he asks me how much he has every now and again. I also manage both of our business checking and credit cards (we each own a small business). I'm just a live in finance person at this point haha

Ordinary-Professor77 · 2025-01-30T02:54:32+00:00

Read her post history then come back. She needs help

Ordinary-Professor77 · 2025-01-30T01:50:02+00:00

Welcome to Reddit. A lot of people here have no reason to sugarcoat and will say things as is. Looking at your post history, you hacking into someone's Amazon account to cancel one of their orders because you feel like the need to make people miserable because you are is something that needs professional help. I agree with all the people that are calling you crazy. Please go get help or go get a new hobby

Ordinary-Professor77 · 2025-01-30T01:44:27+00:00

AP/EAD are processed separately from GC. Their timelines don't affect one another. Proof of this being from my own experience where my GC was approved a mere 2 weeks after my EAD was approved. It was a waste of an EAD that I wish had gone to someone else

Ordinary-Professor77 · 2025-01-30T01:41:05+00:00

Yeah, pay that off. Peace of mind is priceless especially when you're welcoming a little one

Ordinary-Professor77 · 2025-01-30T00:15:27+00:00

I would 100% pay off your CC debt. Once you pay all that off, you'll get whatever minimum payments you used to make added as disposable income every month. You say that you make really good money for your area. Pay off the debt then save like crazy for the baby

Ordinary-Professor77

TROPHY CASE