No, not really. You have almost $50K of CC/Loan debt and your household income is ~30K a year. You really need to fix your spending for the future and declare bankruptcy, you are a fairly perfect candidate (when your liabilities exceed your income/savings/assets).

That's even worse and if you're subverting a bonafied agreement you can both get in trouble if that wasn't accepted by the court.

yes, you're paying nearly 50% in interest over the life of this loan which is insane.

Seriously, with your low income and massive amount of unsecured debt you are a good candidate for bankruptcy.

>I also have a verbal agreement with my ex to support my son $600 a month.

Go to court and get a real child support agreement.

The consolidation handles <50% of your problem and locks you into paying nearly 8 grand a year for 4 years.

You need to strongly consider bankruptcy. I imagine your credit already is not great, but this is high interest debt that's far over your annual income.

For US Safety Standards yes, as they are very very high. There have been 2 fatalities on commercial flights by US airlines in the last 13 years.

Especially because you're aggressively contributing to your retirement (and the Roth can be culled back in a pinch) I'd say you're fine. You make enough to be approved, but I would just try to get a better general idea as to what your utilities and other fees will be to see how much else you'll have leftover each pay period.

I find that honestly also this depends. For dress shoes for example, I do think it's better to go higher quality/higher price. While I've needed to replace the soles on my loafers twice over their lifetime, the construction of the actual shoe itself has remained fine. When I'd buy cheaper (e.g. Aldo) style shoes they would get worn out of shape so fast and I'd need to still replace the sole after a year but would have no choice but to buy a totally new shoe.

I would say in other countries this is truly something to consider, but not in the US or countries that fly directly to the US. The FAA has (generally) the highest compliance standards in the world, extending to airlines that just fly & land at US airports. Not to mention air travel is actually far safer than car travel.

There are minimum standards for Tire compliance here as well, but some off market brands are not very reliable.

They do, but what you're describing is not income. It will not make up for the gap but depending on what your other paystubs show it may not be a big deal at all.