Search found 3586 matches

by Sandtrap
Thu Feb 22, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance when retiring or self employed before Medicare age?
Replies: 13
Views: 573

Re: Health insurance when retiring or self employed before Medicare age?

Has anyone found creative ways (not sharing ministries) to get on a group plan? Are there ways to get onto a group plan through organizations such as AARP, or professional organization such as the National Association of Realtors, etc? I ask because I don't know. A lawyer I know enrolled in a commu...
by Sandtrap
Thu Feb 22, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 12
Views: 705

Re: Asset Allocation

Asset Allocation (what is right for you?) https://www.bogleheads.org/wiki/Asset_allocation Outstanding write up on the 64/40 allocation by Bernstein. http://web.archive.org/web/20061214061904/http:/dfmadvisors.com/pdf/Bernstein6040.pdf R. Ferri on Bernstein's 60/40 http://www.etf.com/sections/index-...
by Sandtrap
Thu Feb 22, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about selling GE to invest in an index fund
Replies: 14
Views: 1532

Re: Thinking about selling GE to invest in an index fund

Sell it.
How do you know that it is at its lowest?
What if over the next 6 months it lost 50%.
Is it the next "Apple" or the next "Radio Shack"?
2% of the greater portfolio will not be an extreme move either way.
j :D
by Sandtrap
Thu Feb 22, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Will Emerging China Change Things for Domestic Investing?
Replies: 19
Views: 1017

Re: Will Emerging China Change Things for Domestic Investing?

All the more reason to consider the Vanguard Global Wellesley Fund, or similar funds.
Local economies are no longer "self contained". Each interdependent on the other.
The question itself is a bit skewed.
Actionably:
https://www.bogleheads.org/wiki/Behavioral_pitfalls
by Sandtrap
Thu Feb 22, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Young Investor: Investing In A Bear Market
Replies: 18
Views: 1258

Re: Young Investor: Investing In A Bear Market

Read About Bob, The Worst Market Timer
What happens if you only invested at market highs?
http://awealthofcommonsense.com/2014/0 ... ket-timer/

Market fluctuations represent opportunities, not hazards.
j :D
by Sandtrap
Thu Feb 22, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 17
Views: 665

Re: Boglehead Flashlight?

LED Maglight. "D" cells. We have one near every entry/exit door of our home as well as in the bedrooms and cars. I recently bought this heavy "beast" at Home Depot for $30 and it is very bright and solid. Uses "D" cells which is great. https://www.homedepot.com/p/Husky-1000-Lumen-Virtually-Unbreaka...
by Sandtrap
Thu Feb 22, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 26
Views: 1459

Re: Cedar Roof

My experience with Cedar, wood, asphalt shingle, and composite shingle roof, has been marginal. They always need something. Now, I have cement/clay tiles which is a forever roof. And, a steel roof on my barn which is forever.
j :D
by Sandtrap
Thu Feb 22, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Boglehead Flashlight?
Replies: 17
Views: 665

Re: Boglehead Flashlight?

LED Maglight. "D" cells. We have one near every entry/exit door of our home as well as in the bedrooms and cars. I recently bought this heavy "beast" at Home Depot for $30 and it is very bright and solid. Uses "D" cells which is great. https://www.homedepot.com/p/Husky-1000-Lumen-Virtually-Unbreakab...
by Sandtrap
Thu Feb 22, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: CBD oil recommendations?
Replies: 2
Views: 182

Re: CBD oil recommendations?

CBD oil is legal if without the THC component. If a THC component then one must have a medical card and prescription. CBD oil can be processed from various parts of the plant. Each with different properties, though beware marketing. *****Medications and Health advice are prohibited on the forum. Goo...
by Sandtrap
Thu Feb 22, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance when retiring or self employed before Medicare age?
Replies: 13
Views: 573

Re: Health insurance when retiring or self employed before Medicare age?

As you progress in your research, beware the "Obamacare ACA Subsidy Cliff". Here is a current post by a fellow who stepped right off of that "cliff" without knowing it. The fall is high. ACA Subsidy Cliff https://www.bogleheads.org/forum/viewtopic.php?f=2&t=242273&p=3796259#p3796259 The period betwe...
by Sandtrap
Thu Feb 22, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Diversification
Replies: 3
Views: 218

Re: Diversification

29 with about 100k in stocks 50k in 401k 50k in a brokerage. 401k is 45% vanguard 500 index 35% vanguard total international stock index 10% mid cap index 10% small cap index. I am looking for thoughts and opinions on how to diversify the remaining 50 k in my brokerage account. 50% vanguard total u...
by Sandtrap
Thu Feb 22, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 19
Views: 1452

Re: How Secure Is Your Apartment

Also, be sure that you must be present when any repairs or required (non emergency) access to your unit is needed. Schedule accordingly.
The resident manager or such will have your house keys in case of emergency. But you can restrict access otherwise.
j :D
by Sandtrap
Thu Feb 22, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Would you pay off this debt?
Replies: 46
Views: 1053

Re: Would you pay off this debt?

Yes.
Car loan definitely.
Pay off Mortgage now or incrementally.
There are many that view entering retirement with zero debt as a big plus.
aloha,
j :D
by Sandtrap
Thu Feb 22, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: $12,000 Refrigerator? [Looking in $7k price range]
Replies: 59
Views: 5899

Re: $12,000 Refrigerator? [Looking in $7k price range]

Notice that "built in" appliances typically cost much much more than freestanding. IE: a freestanding electric range is fairly generic and highly competitive in price. It cooks food. But once the same unit becomes a "built in" without side panels, the price goes up exponentially, yet the "innards" a...
by Sandtrap
Thu Feb 22, 2018 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 30
Views: 1892

Re: Do you rent even if you can afford to buy?

DW and I rented for many years because: 1 Lived in a UHCOL State 2 Preferred to live well below our means though many of our peers chose mortgages. 3 Chose to take the money we saved and reinvest it in our company. (worked out well) 4 At some point knew we were going to relocate to a LCOL State. It ...
by Sandtrap
Thu Feb 22, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help? How to deduct in

Thanks everyone for your wonderful help. I was not aware of all of this and what is called the "ACA Subsidy Cliff". (The fact that someone, for example, making 90k/year might have to pay 1/3 of their income in medical insurance premiums does not make sense at all.) :shock: Questions: 1 If I had clai...
by Sandtrap
Thu Feb 22, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Sandtrap, Here is a link to an article that discusses HSA plans (as MP123 mentioned above). I am not an expert, but if your 2017 plan was HSA eligible, you can contribute to it up to April 15 in order to reduce your MAGI for 2017. https://www.nolo.com/legal-encyclopedia/hsas-obamacare-combine-healt...
by Sandtrap
Thu Feb 22, 2018 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

This helped me a lot in planning for ObamaCare. I also saved a lot in taxable savings that I am drawing on. That way I don't trigger any taxes by selling off any investments, avoiding capital gains. Most of my other assets are tax deferred. You can position yourself well if you plan years in advanc...
by Sandtrap
Thu Feb 22, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Found this: "Staying off the Obamacare Federal Subsidy Cliff" https://thefinancebuff.com/stay-under-obamacare-premium-subsidy-cliff.html Good info in this article, especially the 138% cut off in Medicare expanded states. This is the area of concern for me as I am getting premium and cost subsidies ...
by Sandtrap
Thu Feb 22, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Leesbro63 wrote:
Wed Feb 21, 2018 4:07 pm
So are you saying that if you have big interest and dividends, but no earned income, you are eligible for a big ACA premium subisdy?
No. As I've learned here so far, I think that isn't how it works.
j :D
by Sandtrap
Thu Feb 22, 2018 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

If I am understanding it right, in the worst case scenario for OP when they dont find any legal methods to reduce the AGI: OP would have paid $3058 per month for 12 months as premiums = $36K odd OP has paid around 20K as health insurance expenses (copays and deductibles and what not) For a grand to...
by Sandtrap
Thu Feb 22, 2018 1:28 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Welcome to the ACA subsidy cliff Sandtrap. You should be able to lower your income with IRA contribution as long as you have earned income. Best of luck, Dan Thanks, Dan. Always look forward to your input. Unfortunately, I think that 2018's income is going to be several times the size of the cliff ...
by Sandtrap
Thu Feb 22, 2018 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

A few other thoughts that *might* help for 2018, though they aren't very big levers... 1) You could buy 1 year CDs for your fixed income which only pay interest at end of term (some, but not all 1-yr CDs work this way). That moves the interest into 2019. 2) You could sell bond funds which have a ca...
by Sandtrap
Wed Feb 21, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: How Secure Is Your Apartment
Replies: 19
Views: 1452

Re: How Secure Is Your Apartment

So after winter ends and the weather improves we're hoping to finally move DW to a nursing home in Texas to be near her daughter, grandchildren and great grandchildren. The plan is to sell the house, and I'll take an apartment near the new nursing home. I've never lived in an apartment before, so I...
by Sandtrap
Wed Feb 21, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Sandtrap, Do you still live in Hawaii part time? I know the FPL is considerably higher there, it looks like you'd qualify for a subsidy up to $74,680 MAGI according to healthcare.gov which might be enough. Not sure if there's an angle you can play there. If not look into a Bronze HSA plan for next ...
by Sandtrap
Wed Feb 21, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

lightning wrote:
Wed Feb 21, 2018 11:28 am
I don't believe that you can deduct an IRA contribution with no earned income. So excess IRA contribution wont help. You could fill out the tax form incorrectly, I suppose, but no tax software is going to do that.
I'm using TurboTax.

thanks,
j :D
by Sandtrap
Wed Feb 21, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Gifts do not change your AGI nor your MAGI. If you do not have any earned income, the only other remaining possibility to reduce your AGI and MAGI would be contributing to a Health Savings Account (HSA). You have until April 17 to contribute up to $7,750 to an HSA if you are qualified. You wrote th...
by Sandtrap
Wed Feb 21, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2850
Views: 894251

Re: What Book Are You Currently Reading? Part VI

"A Higher Call" .....One of the most inspiring books I ever read. An incredible true story about a American and German pilot during WWII December, 1943: A badly damaged American bomber struggles to fly over wartime Germany. At the controls is twenty-one-year-old Second Lieutenant Charlie Brown. Hal...
by Sandtrap
Wed Feb 21, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2850
Views: 894251

Re: What Book Are You Currently Reading? Part VI

Just finished, "Game of Thorns" by Doug Wead
Covers the Clinton/Trump 2016 campaigns.
by Sandtrap
Wed Feb 21, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Tiny Windfall But Big Help
Replies: 9
Views: 1011

Re: Tiny Windfall But Big Help

Car Loan.
Avoid future debt.
j :D
by Sandtrap
Wed Feb 21, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Giving up on first home
Replies: 36
Views: 2871

Re: Giving up on first home

Buyer's Remorse Analysis Paralysis otherwise known as. . . "Freaking Out". Relax. . trust in your good judgement up to this point and prior to the purchase. Once you are moved into your new home and sitting on the porch it will all be worth it. Enjoy the thought that you can never be kicked out of y...
by Sandtrap
Wed Feb 21, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Taxable earned income includes: Wages, salaries, tips, and other taxable employee pay; Union strike benefits; Long-term disability benefits received prior to minimum retirement age; Net earnings from self-employment if: You own or operate a business or a farm or You are a minister or member of a re...
by Sandtrap
Wed Feb 21, 2018 2:12 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Maybe you could contribute to an IRA or other last minute changes that would lower your AGI for last year Would it be possible to contribute $5500 (i think this is the annual maximum) for DW and $5500 for myself which would lower the AGI $11000 which might help me squeak by under that ACA limit? Wo...
by Sandtrap
Wed Feb 21, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Maybe you could contribute to an IRA or other last minute changes that would lower your AGI for last year Would it be possible to contribute $5500 (i think this is the annual maximum) for DW and $5500 for myself which would lower the AGI $11000 which might help me squeak by under that ACA limit? Wo...
by Sandtrap
Wed Feb 21, 2018 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

Maybe you could contribute to an IRA or other last minute changes that would lower your AGI for last year Would it be possible to contribute $5500 (i think this is the annual maximum) for DW and $5500 for myself which would lower the AGI $11000 which might help me squeak by under that ACA limit? Wo...
by Sandtrap
Tue Feb 20, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??
Replies: 81
Views: 3607

Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? ** How to deduct in 2018??

Couple: Age 64 Residence: Arizona Medical Insurance: ACA - Blue Cross Blue Shield of Arizona (only one available) "Silver Plan" Monthly payment with ACA "subsidy" $484 Monthly payment if without ACA "subsidy" $3,053.28 Medical Bills for 2017: less than $20,000 (if no medical insurance). Due to a qui...
by Sandtrap
Tue Feb 20, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: OTC supplements without huge bottles?
Replies: 7
Views: 378

Re: OTC supplements without huge bottles?

This is a first-world problem, literally. I am preparing to leave for 18 months, serving a full-time mission for my church in Southeast Asia. We are not allowed to ship any medications including supplements, because the local post office will either not deliver or charge a bribe. Some of them do no...
by Sandtrap
Tue Feb 20, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Golf Bag
Replies: 21
Views: 1292

Re: Golf Bag

Another vote for Sun Mountain. 2.5, 3.5 or 4.5 depending on your desired weight. I went from a Ping Hoofer 14 this past season as there are not full length dividers for all the slots and club tangle finally got to me and I sold it and went with the SM 4.5. Lots of info over at golfwrx. +1 Full leng...
by Sandtrap
Tue Feb 20, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 84
Views: 6904

Re: What's your cash position

Maxed a couple rewards checking accounts for cash. $20k earning 4.6% interest in one account, $10k earning 3% in another. Better than what I can do with bonds and I don't risk the bond fund dropping in value and selling it at a loss whenever I need the money. That's incredible! I was not aware that...
by Sandtrap
Tue Feb 20, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: House rewiring - cost of copper
Replies: 29
Views: 1891

Re: House rewiring - cost of copper

Minimum. Written estimates from at least 3 reputable licensed, insured, bonded electrical contractors. All bidding on the same work to be done and same materials used. Permits. Progress payments then up to substantial completion, 10% for completion of punch list and "certificate of occupancy" if it'...
by Sandtrap
Tue Feb 20, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 84
Views: 6904

Re: What's your cash position

Being retired and living off of my savings, I carry quite a lot of cash [ (money market and short term CDs) about 2 years+ worth of normal distributions from savings for spending]. That is for safety reasons to protect me during several years of market downturns. I also have short term bond funds a...
by Sandtrap
Tue Feb 20, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Golf Bag
Replies: 21
Views: 1292

Re: Golf Bag

I've had a quiver golf bag for years but want to upgrade to a stand bag. Anyone have any recommendations for durable, lightweight and cheap stand bag? Thanks Sun Mountain has several of various weights. Quality and price are oustanding. Ogio's are a bit heavier but fancier. The Ping Hoofer is inter...
by Sandtrap
Tue Feb 20, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Where to put 6 months of living expenses(emergency fund) ?
Replies: 21
Views: 2373

Re: Where to put 6 months of living expenses(emergency fund) ?

In general, the priority for "emergency funds" is preservation of principal.
That means, high yield accounts, MM, CD's, etc.
Emergency Fund Wiki
https://www.bogleheads.org/wiki/Emergency_fund
j :D
by Sandtrap
Tue Feb 20, 2018 10:17 am
Forum: Investing - Theory, News & General
Topic: Sequence of returns risk while accumulating
Replies: 65
Views: 3795

Re: Sequence of returns risk while accumulating

Outstanding write-up. Thanks for the hard work to post it. Indeed, SRR is a valid concern for anyone no matter what stage of life. But still, all the more devastating to those in the "retirement red zone" (60+) where the combination of ill health, limited or no employment options, and other maladies...
by Sandtrap
Tue Feb 20, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 47
Views: 4999

Re: Staying Motivated: How do you ward off hopelessness?

Bogleheads....A question for this group. 1 How do you deal with 'flagging motivation', or a sense that your financial goal is insurmountable, and cannot be achieved? 2 Or dealing with the feeling that no matter how hard you try, it might be hopeless? 3 What have you done to get you through those di...
by Sandtrap
Mon Feb 19, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: Is window replacement this expensive?
Replies: 27
Views: 2296

Re: Is window replacement this expensive?

There can be large differences in the price to replace a window depending on the outside finish of the home (stucco, horizontal lap siding, etc, etc), accessibility, and so forth. And, level of completion. IE: repainting trim, etc.
Of course, new construction is always easier.
mahalo,
j :D
by Sandtrap
Mon Feb 19, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency costs
Replies: 22
Views: 1335

Re: Emergency costs

Another way of looking at it is imagine not being able to work for 1 year...2.... for any reason.
The costs can be computed in direct loss of income.
J🌺
by Sandtrap
Mon Feb 19, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Late 20's female looking for some advice towards financial independence
Replies: 31
Views: 3727

Re: Late 20's female looking for some advice towards financial independence

A roommate would leave you less vulnerable than moving in with the other couple. You hold the lease in your place. You are in control.
J🌺