Yes, you’ll have to wait until you file. You can file as soon as you get all your information though. Employers are required to provide W2s by January 31.

Yup, although not additional taxes. Just whatever taxes that you always owed in the first place.

Yes, if you report your tips on your 2022 tax return, banks will accept your tax return as proof of income. Reporting them will also count towards your social security.

TLDR, don’t cheat on your taxes. They’re probably not a ton at your income anyway, but even if they were, don’t cheat regardless. It tends to catch up with you in unexpected ways at inconvenient times.

Pull out your current lease. You are bound by whatever it says, but it would be highly unusual NOT to have to give notice for move out, even when the lease ends and month to month. Subletting may or may not be allowed either, and even if it is, finding someone interested in subletting for just 40 days probably won’t be easy. Lots of risk there too if they trash the place.

In an interview?

Nothing at all, unless they bring it up, which is unlikely. If they do, keep it generic, like “commensurate with market”. If they press more, then say you’ll do some research and get back to them.

But again, highly unlikely they bring it up. If they don’t bring it up, you don’t bring it up either. Focus on getting the job. Talk money when/if that happens.

Unlikely they’d figure out you were uninsured that quickly, and if they had, they would have told you and charged you. Certainly call and ask, but it’s unlikely.

Yes, it sounds like you’ll be paying for everything out of pocket. Insurance isn’t going to cover anything.

It doesn’t have to be an either/or. That said, a 100% bond portfolio is seldom a good idea for anyone. If you’re unsure how to split up your stock/bond allocation, then choose a target date fund for your age.

So your fiancé owes 11 years of back taxes…..

The correct/legal thing to have done was report income, filing yearly and sending in estimated taxes quarterly.

He’s got 11 years to catch up on, although the statute of limitations may have passed on some of that.

Getting a mortgage will be difficult (impossible) until his tax problem is resolved, as no bank will touch someone with that much unknown tax liability, and he has no tax returns to prove income.

Best action is to contact a tax lawyer.

Interest starts right away, but won’t show in TreasuryDirect until after three months have passed, since TreasuryDirect shows the current redemption value, including the most recent 3 month interest penalty that applies until 5 years old.

So if you buy in January 2023 and sell in January 2024, you get the interest for January 2023 through September 2023, with October through December being forfeited.

Are you really making money on DoorDash? Your check is not all profit. It killed your current car that you already owe more than it’s worth, plus gas, plus maintenance, plus whatever else. Add all those costs up, you may find you’re not making anything at all.

Of course not. They’re an asset, not a debt or liability. Any continuing monthly investment is entirely discretionary.

I have more than one bank / bank account and they all send them. I barely use one, and only for the occasional ATM withdraw.

Yes, you could get the 20 years of history as an authorized user on anything but an AMEX, as long as the account was that old. It’s not how old their credit is, it’s how old that account is. Wouldn’t hurt them in any way.

If you close the authorized user card, the history is no longer part of your credit, so this only works if you just leave it open.

Roughly a quarter of your half of the profits.

So if you bought the tickets for $300, sold for $500, made $200 to split with your friend, figure on owing about 25% of your half in taxes. So $25. Your friend also owes $25.

Probably not enough to worry about setting aside, unless the scale in the above example is badly off. The more important part is to be sure to keep the documentation showing what you paid, as only the profit is taxable.

Pay off your credit cards and all other consumer debt.

Far better to buy a house with 60% down (or whatever the number will be) and be debt free instead of an even higher down payment coupled with consumer debt.

Forget about more consumer loans. Just pay off your credit cards with cash. Now.

With money you made in prior years….

The time to plan was before, not after….margin loans were never the answer, then or now.

Either sell some stocks or go back to work.

Yup. So adding someone who already appears to be paying most of her income to debts doesn’t help you or the bank.

Your assets count in the FAFSA formulas too. Unless you are pretty low income, most “aid” is just going to be loans anyway. If you’re middle class or better, you’re not getting need based grants or free money, at least not under the system as it exists now. So don’t worry about it.

Correct, that’s all states.

In general, 529 penalties for unqualified withdraws are nothing to be THAT scared of. You can change beneficiaries. There are exceptions for scholarships. 529s can be used for trade school, qualified job training expenses and other things, not just college. You can just let it ride for possible future grandkids.

In the very worst case where you do need to make an unqualified withdraw, taxes and penalties are on earnings only. 100% of the amount you put in is always yours, tax and penalty free regardless.

As far as worse case goes, really not that bad, especially given the tax benefits of the extremely likely case.

At $193K, you should be fine for a moderate sized car loan. If you had to co-sign for your wife, she almost certainly has no value as a co-signer for you. If you’re not fine, adding her as a co-signer won’t help.

The point to a co-signer is getting someone with better income and credit than you to guarantee the loan. If you co-signed for her, that means you have better income and credit than her, not vice versa.

529 for many reasons.

West Virginia is one of the best states to live in for 529 contributions, because contributions to a WV 529 are fully deductible from state income without limit (up to your income anyway). Nearly all other states have limits, if they even give a deduction at all.

For her K12 private school tuition, up to $10K/yr can be used from a 529. You’ll want to be sending her whole annual private school tuition (up to $10K) through the 529 for the state tax break, even if you immediately withdraw it with no gains.

If your child does get a scholarship, 529 earnings up to the scholarship amount can be removed penalty free.

My own children - 529.

It’s clearly the answer in your case.

I won’t say “no” savings. I will say the debt should be a priority.

Contributing at least the 5% minimum to get the TSP match is a no-brainer, as there is nothing out there that beats immediately doubling your money. So keep doing at least that.

$100 to your IRA really isn’t enough to matter either way, but it’s a good habit to maintain, so keep doing it. Increase it as you get year end raises, time in service raises and promotions.

While the interest rates on your debt aren’t terrible, it’s still over $60K in consumer debt. Ideally that number should be zero. That much debt is going to cause problems when you want to buy a house later. Work on getting rid of it.

While it won’t “ruin” your chances, it does count against your debt to income ratio. The lender has to be convinced you can afford all the loans and all the houses. Hers will likely need to be sold before as well, not at the same time.