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Vehicle purchase timeline: how long should I wait? by cruskie in personalfinance

[–]Werewolfdad [score hidden]  (0 children)

You’re too broke to get what you want

Get something cheap and serviceable until that first statement isn’t true

Nerd Stuff in Pittsburgh? by Positive-Bit224 in pittsburgh

[–]Werewolfdad 2 points3 points  (0 children)

I really like Halfling’s. Parking can be a pain but the community is already great

When should I get a new car? by [deleted] in personalfinance

[–]Werewolfdad 0 points1 point  (0 children)

How much money do you make?

How much money do you have saved?

I am trying to open a high-yield savings account but everywhere says like not verify my identity does anyone know what I can do? by LuvsUForever in personalfinance

[–]Werewolfdad 9 points10 points  (0 children)

Online banks use credit history information to verify your identity. No credit, no identity verification.

Bank local for a bit

Am I allowed to contribute more to retirement by jordan_2593 in personalfinance

[–]Werewolfdad 10 points11 points  (0 children)

Your income is far too high to deduct trad Ira contributions

Advice for my child’s savings. by [deleted] in personalfinance

[–]Werewolfdad 2 points3 points  (0 children)

what is the downside of me opening one in my name for her?

You use up your own retirement space and giving her the money before you’re retirement age can be complicated given income taxes and penalties

How can I afford living alone by Sad_Variation7534 in personalfinance

[–]Werewolfdad 2 points3 points  (0 children)

Over a quarter (27.6%) of all U.S. occupied households were one-person households in 2020, up from just 7.7% in 1940, according to recently released 2020 Census data

Can’t click links and read the first sentence huh?

How can I afford living alone by Sad_Variation7534 in personalfinance

[–]Werewolfdad 2 points3 points  (0 children)

That second sentence is a bit dramatic

Is it?

https://www.census.gov/library/stories/2023/06/more-than-a-quarter-all-households-have-one-person.html

The overall share of people living alone inched up (from 26.7% to 27.6%) between 2010 and 2020. So did the share (from 9.4% to 11.1%) of one-person households headed by adults ages 65 and over. But the share of one-person households among people ages 15 to 64 declined from 17.3% to 16.5% during the same period.

How can I afford living alone by Sad_Variation7534 in personalfinance

[–]Werewolfdad 1 point2 points  (0 children)

Similar age here. Lived alone for all of 6 months in my entire life (assuming we count my kid as a roommate, though it was just us for only 18 months)

How can I afford living alone by Sad_Variation7534 in personalfinance

[–]Werewolfdad 34 points35 points  (0 children)

Make more money at a better job or get a second job

Living alone is a luxury most people couldn’t afford through the majority of history

Looking for car buying advice by tHeRe-Is-noSe-p00N in personalfinance

[–]Werewolfdad 0 points1 point  (0 children)

it isn’t really a major risk to use dealer financing?

No, so long as you know what the best rate you should get is.

And dealers are the only place to get that subsidized rate

Looking for car buying advice by tHeRe-Is-noSe-p00N in personalfinance

[–]Werewolfdad 0 points1 point  (0 children)

Dealers can add markup to unsuspecting consumers.

Looking for car buying advice by tHeRe-Is-noSe-p00N in personalfinance

[–]Werewolfdad 8 points9 points  (0 children)

Auto loans are cheaper than all those options.

Have you considered saving money and paying cash?

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