Those benchmarks assume you started at 22. Real life most people dont get serious until late 20s or 30s. k at 30 with awareness is better than k at 30 with no plan to continue.

0 votes · 21 hours ago

Your parents should look into ICR after consolidation. My moms Parent PLUS payments dropped from to after she consolidated and went on income contingent repayment.

0 votes · 22 hours ago

Key is to overlap for 2-3 months. Keep both accounts open and funded. Update autopays one by one. Keep the old account as backup to catch anything you missed. Close old account after 60 days of nothin...

0 votes · 1 day ago

Check your insurance EOBs from that time period too. Sometimes theres a legit bill you forgot about that got sent to collections because the address was wrong or something. But yeah never pay without ...

0 votes · 1 day ago

Marry the house, date the rate. Seriously though, heres my perspective: **Arguments for buying now:** - If rates drop significantly, you refinance. You can change your rate, you cant change your pur...

8 votes · 1 day ago

Backend dev with 10+ years of experience here. Both are good databases, but for different reasons. **For your standard social app: PostgreSQL is the better choice.** Here's why: **Your data is rela...

0 votes · 2 days ago

With 15-20 flights a year youre definitely leaving value on the table. Let me break it down: **Chase Sapphire Reserve (/yr)** - travel credit (automatic) = effective fee is - 3x points on travel an...

7 votes · 4 days ago

Smart to be cautious - there are tons of scams out there. Here's the safe way to get started: **Best platforms for beginners:** 1. **Coinbase** - Most user-friendly, very secure, publicly traded com...

0 votes · 5 days ago