Am I right in understanding that if I have an HSA but can afford most of my medical expenses out of pocket, to do that and invest my HSA money? (US) I think I’m reading right where if I can afford those costs just on my own, I can then invest my HSA money and reimburse myself for everything down the road right? I can track expenses, dates, and receipts no problem for the long haul. Just making sure I am understanding correctly submitted by /u/andrewsmd87

I owe more than what my car is worth, and I can’t afford the repairs it needs to pass inspection In 2020, my husband and I bought a used 2015 Buick Encore (did not know at the time that it is literally the worst car ever made!). We have dumped ungodly amounts of money into this car on repairs since buying it. The situation: -We owe $4,200 on the loan. -We were quoted about $4,000 by the dealership to fix it (catalytic converter repair. We …

Can I afford this co-op? And should I go for it? I’m 26, and make about 69k. No debt, no big monthly expenses (I don’t drive.) I want to buy a co-op that is in direct view of the George Washington bridge for about 160k. I have probably 20k for a down payment if I considered that I spend about 10k in fees. I think with mortgage and HOA that’s going to cost me about $2000 a month. There’s anothe…

Years 26 and 27 First Time Home buyers, how much can we afford? We have currently make around 120k after taxes and 401K contributions (10-15% to each fund) yearly and currently renting for 1.8k a month. We have saved 70k on a down payment, 55k in stocks (not a retirement fund) and have close to 50k in additional savings. Using the 28-32% rule we figured we can afford a 2.7k-3k mortgage payment including taxe…

Can I afford a newer vehicle? Hey guys, just posing the question in regards to my current financial situation. I have an older 2007 Silverado that has started to shows it’s signs of age, normally it isn’t a huge deal to me but after it breaking down while taking my kids to school it’s causing some frustration. I can mostly fix the smaller things myself. Fuel pump, heater cor…

I was signed up for a car I can’t afford This week was my husband’s birthday, and today, my in-laws showed up with a Tesla as a “gift.” We’re now in a difficult situation because we absolutely cannot afford the payments. The car is financed under their name, and while they insist they’ll handle the payments, I know they can’t afford it and will likely expect us to take over soon. I cur…

How can I calculate how much mortgage I can afford? I have no debts. I have a good job. I have an idea of how much I can spend a month, but not clear. For example, there’s the 28% rule. But I don’t see how ANYBODY can make that happen these days. After that, there are a lot of calculators but they all ask for monthly debt. I probably spend $1500-2000 a month on my credit card and pay it off every…

New college grad, can I afford a new car? Hi! I (21M) am a college student graduating soon, and I will be earning a base salary of 96K per year in a MCOL area (Ann Arbor, MI). I’m wondering if I can afford a new car. Here’s where that money will go roughly: – Taxes: $22K – Housing: $22K – Retirement: $13K (6K simple IRA including company match + 7K Roth IRA) – General/Emergency Savings:…

LPT: If you’re not sure you can afford a pet, ask your local shelters if they have a foster program. They’re often free and a win-win-win for you, the shelter, and the animals. Key word here is foster – not adopt. Many shelters have more animals than they can care for, and need people to provide temporary homes for these furry friends. And often, these programs are set up in a way that when you take in one of these animals, you are given everything you need – their food, litter box and litter, toys, any medical expens…

Received a full scholarship for school but can’t afford to quit my job. I’m going back to school in the spring. I received 16k in grants and scholarships. I currently work a 9-5. I only make 20 an hour currently. All of the engineering classes are in the middle of the day. Most likely I’ll have to quit my job to attend classes but I don’t know If I’ll be able to pay my rent and other bills working part time. I need …

Can I afford a new car? Hi Im 28yo making 65k annual(Excluding extra10% retirement fund from company), 120k in my bank thinking of buying a car because I need it for work, currently looking at some cheap SUVs cos I need to travel long distance. (Please don’t judge me for my income I have changed industry so I started with a lower point :(..) Im also new to investment s…

Is my saving strategy on track and can I afford to buy a car? Hi everyone, I’m 23, earning $67k a year with an 8% bonus and a 10% company match on my 401(k). Debt free. Right now, I live with my parents, so my only regular expense is gas. Here’s what I’m doing with my income: • 10% goes into my Roth 401(k) through work • Another 10% goes into my Roth IRA • The rest goes into a high-yield savings account a…

Cold Feet – Can I afford this house? My fiancee and I just received notice that our offer had been accepted. The offer we made was right at the limit, if not a bit over, of what we would be comfortable spending. We were pretty surprised to find out that our offer was accepted, and now I’m getting a bit nervous wondering if we bit off a bit more than we can chew. Our offer was $451k…

Can’t Afford A Mercedes-Benz CLK GTR? Just Build One In Your Garage The Mercedes-Benz CLK GTR was a monster of a car in the late 1990s. Just 26 of the $1 million 622-horsepower, V12 homologation specials were ever made. Given that they’re legendary and extremely expensive now, most of us will probably never have one. Unless we build one ourselves, which is exactly what one South… Read more…

Can I afford to live alone based on my financials and my goals ? I make between 80-110k. I’m from a hcol area and I have 250k net worth but majority is invested. About 50k in Hysa/checking. I am in a long term relationship but my bf has it very rough financially. He graduated last year and the only job he could get is retail. He had little to no income all last year and told me he is in 18k cc debt and wants …

How much apartment can I afford while still being comfortable? I live in a very expensive area, Seattle, I’m thinking on finding a place for myself, I have no debt or any financial obligations, how much apartment can I afford without having to sacrifice too much from my budget? Money In: Paycheck $2400 Total monthly income $4,800 Money Out: Savings $2,000 Groceries $400 Utilities $150 Comcast Internet $50 …

Can’t afford house in expensive city – buying single wide to put on 1/2 acre I live in a city in Texas that has exploded in population and cost of living. Home prices are out of range for me but I found a 1/2 acre lot that I could put a single wide manufactured home on. Land prices in my state have always been high and land prices within the city are even higher. But this lot is a fairly good deal. I think because it’s a…

Dominican Republic: Do I really need a tour for Corazon De Bayahib? Also, if I can afford a car, is it easier/safer to get a car or should i go with public transportation as a solo female traveler? Hello there! I am 42F traveling solo to DR. I am not the resort type so l am wondering around to places I would like to see. One of them os “Corazon de Bayahib”. It seems as if it is 2 hrs away from Santo Domingo. I was wondering if i can go there myself (easy to find, park, if it is safe) or if i should just pay $160 on airbnb to get the experi…

Meta Quest 3S review: The next-gen VR console you can afford The Meta Quest 3S is a new budget VR console with impressive graphics, mixed reality capabilities, and thousands of games.

how can I afford to live while attending college? Hi guys, basically I just need guidance because I plan to attend community college next year (fall 2025). Im following a medical path that many locations don’t offer so there’s a small number of places I can attend to get certification. My problem is since im going to an in-state community college, they don’t have on campus housing so I’ll need …