RO489
RO489 t1_jadyf1h wrote
You don’t make enough or too little to get the penalty, and there’s no penalty in CO. I don’t think you need a prenup since your incomes are similar
Have you lived together? Are you sharing expenses fairly and do you have similar spending/saving habits?
Do either of you have more significantly more income growth potential than the other?
RO489 t1_ja8wnmr wrote
Reply to While studying, better to use student line of credit or retirement savings from previous job? by 33-88-99
What’s the interest on the line of credit? You’d need to weigh the withdraw penalty/tax against the interest rate.
Is your retirement IRA or 401k?
Could you work a bit on the side (tutoring, dog walking, babysitting) too close the gap a bit?
RO489 t1_j6o4ucp wrote
We don’t know your expenses. How long is the foreseeable future? What have you been doing to work on your mental health? I know people who quit, use it as a reset, and rejoin the workforce. I know people who quit, lose the structure of their day, let themselves go, and have their health suffer. It’s a leave of absence an option?
Either way, it is harder to rejoin most industries if you’re older and if there’s a gap in your employment. So is your settlement enough to cover your expenses for a few years without impacting your quality of life? If you’ve got expensive cars and a huge mortgage, probably not. If you live a modest lifestyle in a low or medium COL location, you’re more than fine
RO489 t1_j6o23uv wrote
Reply to comment by xdonnyxx94 in How to help parents while brother has become financial burden by xdonnyxx94
You’ll need to Google your state and see what the requirements are for a caregiver.
RO489 t1_j6nr4qr wrote
Your parents need to apply for government assistance for a caretaker. That can be your brothers salary.
In the meantime, I think you all should sit down and look at the budget and expenses and then determine a salary for your brother. Discretionary spending would come out of that budget. You Can agree to help financially only to the extent that they stick to the budget
RO489 t1_ixvt06y wrote
Reply to comment by AinsiSera in A novel medication for hemophilia B has just been approved by the Food and Drug Administration. The treatment is a form of gene therapy, intended to replace a dysfunctional gene that leaves people unable to control their bleeding. by Sariel007
Depending if your insurance/ employer agree. Since insurance is mostly tied to employment in the US, they aren't firing the math of a lifetime cost. I'd imagine single payer would be a no brainer, but if you are an employer, it'll increase everyone's cost.
Another argument in favor of single payer.
RO489 t1_iuhv4we wrote
Reply to comment by gpister in Your insurance will most likely be going up by Grayjay000
Cost of labor, parts, repairs, severe weather like Ian, and trying to raise back after having to take cuts from covid
RO489 t1_je9a8tf wrote
Reply to comment by New-Row7111 in Why are we encouraged to charge everything to a credit card but get penalized for high credit utilization? by New-Row7111
You do not need a new card, but if you aren’t getting good rewards on your back card, you may want to apply for a different cash back card