Yes until you get on the positive side. Why pay when interest when you can make most go away. Get it to zero, pay off any other debts(other than house). Build emergency fund/ increase retirement savings.

Pay down Heloc now. It will still be there if you need in an emergency.

You are owner child is beneficiary. If at 18 your child decides to join the circus, you can move it to other children or wait until you get grandkids and name them as beneficiary. At all times, you own it. As long as you use it correctly for schooling of most sorts, taxes don’t come into play unless you get a credit by state for finding.

If they are good, I would let them ride. Increase 401k contributions and use dividends to back fill your checking for take home decrease.

In your mind figure out what is a “fair” week of work, look at what you are continuing to do and adjust accordingly. Ask for more than you’ll accept. Your not walking so it’s just a nice discussion. Remember when overhead goes down profits go up and you want to share in that.

Iras and life insurance transfer as a matter of law. Meaning beneficiaries is all of it. Will would only come into effect if no beneficiary listed and went to estate.

Since you’ve claimed him, his taxes start at a lower level. He needs to file.

Have you checked escrow shortage calculation? Something doesn’t seem correct. I get taxes have gone up and homeowners insurance has gone up, but by that much?

Love me some George.

It’s not op but another irs link other person shared sorry I posted under you by mistake.

If you get a 1099r, even if it has a g in box 7, include on next years taxes. Taxable amount will be $0, but don’t ignore.

Pay the $25 fedex fee from originating 401k to go directly to the fidelity and have check titled Your new 401k company for the benefit of you.

I figured they were screwed on days, but for this application what does “safe harbor” mean and principal residence is under there.

Last one you posted before you changed it.

Principal residence is an exception. Correct?

Number 2 on last irs section you posted.

I don’t think that is correct. I believe it is one of the 5 hardship withdrawal exceptions.

John Boy and the Stoner

I would payoff everything it it were me or you came to me (fa/cpa). Inheriting money doesn’t incur taxes but if any of the inheritance was ira money, you may want to stretch it out rather than take it out all at once. Good luck.

170 miles per day is 42k per year. Your loan will outlast your car.

Not me. Rates for last 15 years have almost been free.

Google historical mortgage rates. USA facts have a great chart. Also, there are costs to closing after 2 years.

Typically 401k companies also offer iras

Life insurance and retirement work really well together, if your plan for retirement is to die.