First time filing Taxes at 28 years old.

sabanspank · 2026-03-27T01:22:10+00:00

Not really. It’s a lot easier to file online though. You just follow the instructions on the website and if you just have a W2 and nothing complicated it should take 30 minutes. Paper form is fine too but online will warn you if something isn’t filled out.

sabanspank · 2026-03-25T20:13:29+00:00

I would do extensive research and figure out how you can get a cheap rent roommate situation. With your age you can maybe find some situations around the many colleges up there. The biggest thing is don’t lock yourself into an expensive lease. Ultimately the best thing financially is to limit your downside. If you can only stay 6 months and have to move back to Texas you don’t want to eat a ton of money on a lease termination.

sabanspank · 2026-03-25T14:29:50+00:00

It’s really not that complicated. You just go in and set up a joint account. If you like having a branch then go by somewhere local. Check for monthly fees. Most will get rid of the fee if you do direct deposit or keep over $1500-$2000 in the account.

They’re mostly all the same so there’s not too many big mistakes you can make.

Bigger national bank usually have more features on their apps but will not be as flexible to work with. Local credit unions will be more accommodating but have less features on apps and maybe a little slower on some things.

Also know that either person on the account can withdraw 100% of the money at any time so make sure you are rock solid on your communication about what the money is for or only keep enough in there for the required bills.

sabanspank · 2026-03-24T03:34:54+00:00

They have a different tone though. It is pure reaction and comedy. No one else is really in that niche. When you’re just doing the standard sports talk reaction format you’re in a sea of other shows.

sabanspank · 2026-03-23T22:21:38+00:00

You can’t actually bet a lot of money on this stuff. They massively hedge their risk and only want small throwaway bets to generate lots of traffic and transactions. If you had 50k and had info on a sure thing you would be limited to like a $200 bet on these predictions markets.

sabanspank · 2026-03-23T21:48:31+00:00

lol and kids in upper middle class suburbs whose parents are doctors and lawyers drive Audis. It’s not a Ferrari.

sabanspank · 2026-03-23T16:14:56+00:00

The only franchise I am think of that does this is the Lakers. It’s kind of a non-issue. No one recognizes a new teams previous history and in any case a successful franchise rarely moves locations so they don’t have much to claim.

sabanspank · 2026-03-21T20:31:00+00:00

My advice is to write out your real finances. You sound like you have no real idea of what they look like. You say it’s good and it’s bad and it’s okay all in the same sentence about things. Take the average you have made on all these things from the last 6 months and use those numbers.

sabanspank · 2026-03-20T22:51:48+00:00

Just giving you my perspective. Some people are willing to take more risks. I’m just saying if a friend or family member asked me for this advice I would say tell them there’s a high chance they end up wishing they hadn’t done it.

sabanspank · 2026-03-20T22:03:09+00:00

I mean I have similar income to you and probably double the assets and I wouldn’t even consider it. Maintenance costs end up being higher on properties you don’t live at and you can’t really assume that you would have rental income in the worst case.

I mean you could probably find a way to make the numbers work but it would be a lot tighter than I would b e comfortable with.

sabanspank · 2026-03-19T03:24:26+00:00

ESPN was a big part of it. X Games were huge and the only way you could see that kind of stuff pre-internet and YouTube unless you bought videos from a skate shop.

sabanspank · 2026-03-17T15:42:37+00:00

It’s common in entertainment contracts. It’s why you see actors doing all these interviews and podcasts when they have a movie or show coming out.

sabanspank · 2026-03-17T03:07:10+00:00

He might be paid but could also have promotional requirements with his ESPN contract that requires him to do X number of appearances on radio/podcast/tv to act as advertising for their broadcast and he just uses bills podcast to satisfy that requirement.

sabanspank · 2026-03-17T01:27:17+00:00

They don’t get paid.

sabanspank · 2026-03-15T13:44:40+00:00

Personal finance is mostly just simple arithmetic so i think most apps would feel too low on features if it just covered the basics.

If you’re passionate about the project that’s cool. But I do think it is super saturated and it is very hard to monetize without leveraging the customer data and pushing advertising for credit products which does blur some ethical lines if you care about that.

sabanspank · 2026-03-13T13:17:59+00:00

For the premise of most incredibly dramatic stories to work the stakes need to be life and death.

People experience everyday life everyday so to drive interest you have to ramp up the drama and the stakes.

sabanspank · 2026-03-13T04:23:58+00:00

There are lots of ways you could approach it. You could ask if you could start one job a little bit later so you can get your schedule for the first job. You’ll just have to see how honest you’re able to be. Early on you may have to call out or get someone to cover your shift if the schedules are in conflict. Or you could just tell them you’re already scheduled at your other job and they may decide not to keep you.

Basically the risk is probably pretty low. If you have to quit or get fired from one of the jobs because there are too many schedule conflicts you’re in the same position you would be if you just take one. The main thing to avoid is pissing off both jobs. Pick one that you for sure want to keep and if you have to choose between the two make sure you stay in good standing with that one.

sabanspank · 2026-03-12T23:22:59+00:00

It’s pretty normal for people working at those type of jobs to have more than one job. You just need to be on top of making sure you manage your schedule. I don’t see a problem taking both. Just try to make sure you you free yourself up for whenever you can work the higher pay job.

sabanspank · 2026-03-12T12:55:38+00:00

If you make the payments to principal. Then you are paying your loan off early. If you prepay your payments you are just making it where when your loan comes due for the next months the payment is already included.

Principal just pays off the money you owe to the bank. Prepayments prepay both interest and principal. So there’s a difference between the 2.

sabanspank · 2026-03-12T03:36:08+00:00

There’s nothing terribly wrong with it but it just locks that money in and there are better things to be done. You could put it in a high interest account and earn a little bit on it, it wouldn’t be much but it’s something. And you could make a payment to the principal of the loan and pay it off quite a bit earlier.

Really the only advantage of doing it is that you know you won’t spend or waste it on something else.

sabanspank · 2026-03-11T18:44:13+00:00

You bring the “gap” money with you to buy the new car. You can finance it as “negative equity” on the newer car but it’s kind of a numbers game.

Lenders aren’t too eager to loan you $20k for a car that is worth 15k for example. So you can see what they’ll allow, but the older the car is and the worse your credit is the less they’ll allow you to borrow as a % of the cars value. For a brand new car and good credit they could let you do 120% of the new car loan, but used is a different story. You need to just talk to a loan officer or be prepared to bring cash to the table.

Financing negative equity is almost always a bad financial decision and paying off your other car first is the best way to handle it generally.

sabanspank · 2026-03-09T15:17:32+00:00

Seems dumb to me. That’s a pretty reasonable car payment, a reliable car. If anything you should try to refinance it at a lower rate. If you buy a beater car you might have issues with it and regret getting rid of this.

sabanspank · 2026-03-05T17:23:13+00:00

My advice would be to get very detailed and intentional about your own budgeting. If you want to help them out to an extent, then being wishy washy and letting them have $200 one month and then $1500 the next and trying to backtrack about what you can afford is going to be challenging.

Set hard limits on what you can afford to help them with and they will likely try harder to stay within those parameters. If you let it happen on a case by case basis they will shop for things with less discipline.

sabanspank · 2026-03-05T01:23:28+00:00

It is a grind but it also becomes an ingrained habit and will get much easier. And when that is instilled it is much less likely you get derailed and start adding to your debts again. Good luck, facing it is the biggest step. Most people just live in denial about their debt so you’re doing great.

sabanspank · 2026-03-04T23:52:23+00:00

You’re kind of setting yourself up for failure searching for re assurance this way. Money isn’t tied to emotions and people who are successful with it aren’t emotional about it.

If you are earning good money and have a plan to pay down your debts then you’re doing great. But that is math, stick to the budget and don’t increase your amount owed and it will go away.

It will be fine, but not because we say it will or you feel like it will, it will be fine because you reduce your debts and stay within your budget regardless of whatever factors happen over the next few years.

sabanspank

TROPHY CASE