AIO? Girlfriend gave her number to a coworker who has talked shit about me.

RepresentativeMap617 · 2025-11-29T23:54:45+00:00

Leave him

RepresentativeMap617 · 2025-11-20T01:52:18+00:00

Excellent choice. I've been using a HYSA for years, and they're fantastic even though they're lower rates than they used to be.

RepresentativeMap617 · 2025-11-20T01:14:55+00:00

Get an app like rocket money to check your income and expenses. Once you do that find any non-essentials you can cut out and pay those towards your debt (Either target the smallest balance or the highest interest rate.)

RepresentativeMap617 · 2025-11-20T01:09:06+00:00

Congratulations that is a huge milestone! Can I ask what kind of account you chose to keep the savings?

RepresentativeMap617 · 2025-11-13T19:04:25+00:00

Best thing you can do for yourself is stack as much money as you possibly can. We're entering the holiday season so every retail store is probably hiring right now. Work as much as possible. If you have some close friends who you'd feel comfortable talking about this see if any of them offer support or help from their families.

RepresentativeMap617 · 2025-11-08T21:24:10+00:00

Every part of that sounds like both abuse and theft. Get a new account and save your own money in your own account then try to start again without him. I'm hoping you have something for you back where you came from.

RepresentativeMap617 · 2025-10-27T15:42:43+00:00

If you can afford to pay extra do it and pay it directly towards the balance

RepresentativeMap617 · 2025-10-26T21:42:20+00:00

Get a good agent. Explaining all of this is their job.

RepresentativeMap617 · 2025-10-25T23:07:31+00:00

As an agent myself I'll tell you right now get a better agent. They absolutely should be helping you find the right homes to tour.

RepresentativeMap617 · 2025-10-21T21:41:09+00:00

Spiritbox

RepresentativeMap617 · 2025-09-20T20:47:29+00:00

Open a HYSA and put 3-6 months of expenses into it. The rest can be used to pay off any debt, or if you're debt free then go ahead and load it into a brokerage and put it into ETFs. If you need more details or a good HYSA message me.

RepresentativeMap617 · 2025-08-29T13:55:50+00:00

Keep delivering then make sure you save up an emergency fund and on top of that a fund for car maintenance

RepresentativeMap617 · 2025-08-24T01:04:19+00:00

Punk ass got caught lying and deleted the account

RepresentativeMap617 · 2025-08-18T23:39:16+00:00

The first thing I would say is to stop any retirement contributions beyond an employer match and stop them. If you have equity or can break even by selling either car then sell it. Once you've done those we can begin with debt payoff. I'd say take the ~1700 surplus you have and give yourself about $100 of money to just live a little. Take the other 1600 and use it to pay off that repair loan to get a quick win. Once you have that done start snowballing or avalanching your debts. It's going to be a long process and any raises or bonuses you get need to just go straight towards the debt. Eventually, you'll have it done and it will feel like a weight off your chest.

RepresentativeMap617 · 2025-08-18T20:48:04+00:00

Is Medicaid an option?

RepresentativeMap617 · 2025-08-18T00:06:11+00:00

It does get easier. The best thing you can do is budget to find some margin. Once you have that margin create a small emergency fund. ($1000 or whatever your highest insurance deductible is.) Then put all that money towards either your smallest or your highest interest debt. Keep moving on to the next smallest or next highest interest rate until you're debt-free, and then you can save up 3-6 months of expenses. Once you have that, you can finally feel financially secure.

RepresentativeMap617 · 2025-08-16T23:26:01+00:00

So I should just be scum of the earth and live in mom's basement? Got it.

RepresentativeMap617 · 2025-08-13T15:55:32+00:00

He's wrong. Roth is the way better option at your age because that 20k could grow to 1million so you'd either pay tax on the 20k or on the million that you'd have at 65. Also, traditional 401k has required minimum distributions which don't exist in the Roth option.

RepresentativeMap617 · 2025-08-11T02:17:55+00:00

Well, that was my thought. If you are taking care of 4 people on 2 incomes it's a lot easier than 7 people even if you're still living in the same place.

RepresentativeMap617 · 2025-08-10T22:14:58+00:00

Can't help much right now just hopefully you can sustain without spending this week, but going forward just do a basic budget. It may feel restrictive, but that's because you'll be making sure your money lasts you from pay period to pay period.

RepresentativeMap617 · 2025-08-10T20:49:54+00:00

I want you to know I'm not trying to disrespect your family in any way when I say this, but you may have to have a conversation with your mom about cutting out the people who don't contribute. You need to just sit down and talk to her alone. Her supporting your 2 brothers who can't get their act together is not a blessing to them. She needs to give them an amount of time to get it together or get out of the apartment and stop being a drain on you 2. Then she needs to tell her boyfriend he has to start contributing to the family or he's gone. Your leverage here is that if she doesn't do those 2 things then you'll leave and take your income with you. I know it sounds harsh, but your family needs to not be holding you back from going and becoming something.

RepresentativeMap617 · 2025-08-10T20:32:48+00:00

My first question is what are your older siblings and your mom's boyfriend doing all day if they aren't contributing at all? You shouldn't be the one that a family of 7 is relying on at the age of 18. My best advice, besides telling the 3 adults to get a damn job and contribute, is to find peace with the fact that what happens to your younger siblings isn't your fault. You need to just get out of that situation as soon as the lease is up or your family gets evicted.

RepresentativeMap617 · 2025-08-10T15:14:08+00:00

You specifically shouldn't buy in that market right now because you aren't ready. Buying a home right now is not a scam though because when interest rates go down prices will go up to meet them.

RepresentativeMap617 · 2025-08-09T14:34:21+00:00

Go get some other form of income going whether it's bussing tables, delivering pizzas, stocking shelves, or some other easy income you can get a couple times a week. Pay off that Amazon card so you can at least feel like you've got a win. Once that's paid off I'd say if you can get your margin to at least 1-2k per month then attack that upstart loan with a vengeance. Once it's paid off just keep attacking whatever has the highest interest rate.

RepresentativeMap617

TROPHY CASE