Yes, that's true, i forgot about that. You can "put it back" within that very short time-frame, once per year, and only if the Roth IRA in question hasn't previously been involved in a rollover in the past 12 months.

If we're getting into the details of this, OP could also make a qualified withdrawal if he becomes disabled, if he's buying his first home, or if he dies and his beneficiary wants to make a withdrawal.

You can withdraw your contributions at any time without penalty.

If, for example, your contributions to your Roth IRA totaled $5k and its value has grown to $9k, you can withdraw up to $5k whenever you want.

You can't put it back in again later — you're still limited to the annual contribution amount allowed. But you can take it out anytime.

If you were lending somebody €250,000, you'd probably want more back than you lent them. It's the cost of borrowing the money; you're basically renting money from them. Like if you rent a car, it's not enough to give the car back when you're done renting it; you also have to pay money for the cost of renting it.

Have you looked at your amortization schedule? Have you looked at the escrow papers that show how much of your payment is going into escrow to cover taxes and insurance? All the information is in the paperwork.

Get a job. Get a second job. Sell blood plasma. Sell anything you own of value. Borrow from friends or family. Take in a roommate. Move out before you get evicted.

IF you have a plan (not a fantasy, but an actual plan) for when and how you would be able to pay your rent, contact your landlord before you're late, explain the situation, tell him your plan, and ask him to work with you. If you take this route, make absolutely sure you stick to that plan and pay him when you said you would.

Well, Chime can't conjure up money out of nowhere, nor can it make decisions about your spending or saving, nor can it increase your income or pay your debts for you.

It's possible that you might be able to get a better handle on your finances if you have everything all in one place — but again, there's nothing magical about Chime in that regard. You could just as easily open a checking account, savings account, and credit card account at any bank.

Have you tracked your expenses for any period of time to get a handle on where your money's going? Have you made up a budget for yourself to govern your spending? Doing the hard work of getting your finances under control is on you, and Chime can't do it for you.

There's nothing magical about Chime. You need to increase your income and/or decrease your spending to pay down your debts and start saving money.

I would just find a better bank with more reliable bill pay service. I've used online bill pay with multiple different banks & credit unions over the past few decades, and they've all been extremely reliable. It sounds like your bank's service has deteriorated to the point of being unusable. But there are many, many other banks out there.

It would be beyond foolish to decide at the tender age of 38 that you're "never going to be able to retire." Although, if you sabotage your financial future sufficiently, you'll probably be correct.

I replaced an ancient Thermos with a newer one, and I was shocked — shocked, I say! — at how long the new Thermos keeps my coffee hot. Yes, hot enough even 12 hours later.

People often put assets (such as money, houses, cars, etc.) into someone else's name in order to keep their own assets below a certain level so that they're eligible for Medicaid, nursing homes, or other such programs. I don't know if your mom's disability income has a limit on assets — I'm not at all sure that any disability income has an asset limit — but if she wants to buy a home and put it in someone else's name in order to keep receiving that income, then yes, it would be fraud.

Basically, if she would lose that income because she has money in the bank or a house in her name, then doing what she wants to do would be fraud.

Why why why?

Why does your mom want to purchase a home with cash, if she's not going to live there?

Why does your mom want your niece to pay rent on a house that your niece will own? What's the plan if the niece stops paying? There would be no legal recourse.

Why does your mom want your name on anything, if you're not putting any money in and won't be living there?

Why does your mom want you and your niece to co-own a home?

What's the benefit to anybody from any of this?

This is a disaster waiting to happen, and could potentially also be fraudulent, depending on why your mother wants to buy a home but not have her name on the deed.

That's good to know. I'm not familiar with the laws surrounding that, but I'm sure it should be illegal.

The only circumstance under which I would disagree with you is if this payment plan was brought up and explained and signed immediately after the dental work as OP was still recovering from a general anesthesia. It would be highly unethical, IMO, if that happened, but I would hazard a guess that the zero-interest financing plan was discussed and agreed to before the work was done.

Yeah, we've heard this before.

It's 2023, and if it weren't for Elon Musk and Starlink, we still wouldn't have anything close to broadband. Five miles east of me, they have broadband. Three miles west of me, they have broadband. And I'm still sitting here going "what am I, chopped liver?"