Not luxury living.

Definitely get vertigo if it’s long enough.

This. Basically she wants you to text her first. Go for it. Good luck.

You will likely earn back your investment if you take your last two years to go to university. However if you really feel nervous about taking out the loans and don’t want to go on to a four year college, look into courses you can do at community college that qualify you for a decent job without needing to go on to a four year university.

On the other hand, there is chicken soup …

That’s right. Not a big deal.

Pedestrian streets are really great. Especially eating outside when the weather is nice.

Indeed - how is that not already the case.

Do contact NYPD.

Definitely not!

He should be sure to tell his lawyer all of this. Any work he did and money he paid on both houses. Write it down in advance and show the document to the lawyer so you don’t take too much time explaining it, lawyers time is very expensive. Whatever the lawyer says, do.

In future … before you wash it, put it under a cold tap, rub bar soap on the stain, then rub vigorously (fabric on fabric - either two stained parts, or stained and unstained). Rinse, repeat. Then turn around to the other side of the fabric, rub soap, rub fabric vigorously again (ie repeat). This should get rid of at least 90% of it - repeat again if needed.

Call all the insurance companies. Tell them you cannot pay and you want to negotiate down the total amount you owe. Read some articles about how to do that successfully. Then, sell your car and buy a much cheaper car (any chance you can do without a car). Put your previous car payment towards CC3, once it is paid off towards CC1, then CC2. Start working, but in parallel look for a higher paying job.

Will and life insurance with fiancée as the beneficiary to pay off the mortgage, if the concern is she won’t be able to remortgage it.

Then the hair will go in the washer, which will be a lot more expensive to repair if the drain gets clogged.

Do this first. If you don’t have a will or an executor I expect they can help you with that, too.

Hard to take them seriously with a name like that.

Invest inside a Roth IRA. This is a tax advantaged account, where all the gains you make will be tax free when you take them out, after you hit retirement age. The money could grow 3 or 4 times, so that is a big deal. You can take out the money you put in tax free at any time. To do this, open a Roth IRA account at Fidelity.com. Deposit the $50 in that account. Then buy FSKAX or similar (the entire US stock market).

How did his Democratic opponent not make this a major campaign issue? Big failure there

You should definitely max them both, even if you need to cut other saving. Your income will be much higher in future and having tax free retirement savings in future will be a major boon.