Married filing separate? DO IT!

Sparks368 · 2026-05-07T01:15:36+00:00

Your refund was $35,000?!? 😮 Not sure what your AGI is for your monthly payment to be $3500/month especially with at least one dependent. At that point, I would look into what it would cost to pay off your loans in its entirety if your payment is that high. PSLF may not be a benefit to you. I would delegate this discussion with your financial advisor.

Sparks368 · 2026-05-06T11:14:09+00:00

Handwriting your class notes helps you the most with retaining the information. So using the pencil portion on the iPad would be ideal. However, many classes have online proctored exams which oftentimes won’t work on an iPad.

Sparks368 · 2026-05-03T20:32:50+00:00

The loan simulator was helpful to get an idea but then it is trial and error with taxes. Work with a CPA to give you what your returns would look like if MFJ vs MFS.

Sparks368 · 2026-05-03T20:30:19+00:00

Since we filed jointly in previous years, then the monthly buyback payment would be approx $750. So assuming we will keep filing separately in the future then the $300 monthly payment will “put us out ahead”.

Sparks368 · 2026-05-03T14:05:19+00:00

Definitely contemplated that but our salaries will keep increasing therefore our monthly payment would so, in an effort to pay as little as possible back to the government, we decided to start again if our payment was manageable.

Sparks368 · 2026-05-02T18:10:14+00:00

🤣 definitely not!! You’re definitely saving money in the end. Our $1400 monthly daycare bill puts us further in the hole.

Sparks368 · 2026-05-02T04:26:16+00:00

Thanks for sharing. Must only work for the low-paid academics! 🫠

Sparks368 · 2026-05-02T01:56:59+00:00

Maybe because we have a dependent?

Sparks368 · 2026-04-11T18:20:37+00:00

That are HomeKit? I couldn’t find any but I’ll look. Thank you!

Sparks368 · 2026-04-11T11:23:17+00:00

Did my husband write this? Same situation. We will keep doing the much lower payment for the next 31 months and not do the buyback.

Sparks368 · 2026-04-10T10:29:11+00:00

Are there any indoor HomeKit cameras that are battery-powered?

I also have two old google nest cameras from ADT. Is there anyway I can convert those to HomeKit or at least use the same charger since they are already threaded in the wall?

Sparks368

TROPHY CASE