I recommend pinning down exactly what your medical expenses are likely to be. It's been a minute since I had a baby, but I remember being blindsided by the fact that I had to pay 2 copays for the hospital admission. Find out now exactly what counts toward any deductible, your individual and family out of pocket maximums etc.

I work with a huge range of businesses from small to large in many different industries. there is nothing that will bankrupt a small business like screwing up the taxes. and it's not just income tax - I've seen some enormous sales tax issues, and I've seen businesses get their accounts frozen for failing to pay payroll taxes. There are so many ways to mess up when you don't actually know what you are doing.

I think you'd be better off taking it to a reputable mechanic and having it checked out before you start making any plans. It could be nothing, or it could be easily and cheaply fixed now before a major failure, or there might be a stop gap repair that will postpone the inevitable major repair long enough to allow you to be on better footing.

if you transfer $5000 to the card with the 2.99% interest for 6 months and no balance transfeer fee, and you pay $300 per month, you will pay $64 in interest for those 6 months and your ending balance will be just under $3,300. if the interest then goes up to 12.99%, you will pay off the balance in full (at $300 per month) in another 12 payments and your total interest paid will be $290. If you do a balance transfer to a card with a 5% balance transfer fee and 0% interest, the fee will be $250 and the balance will be paid off in the same 18 month timeframe. So look at the exact terms you can get, and decide what's cheapest.

That's cosmetic damage that does not affect the actual operation of the vehicle, so it is completely irrelevant. What wpuld your car be worth private party if it were in perfect condition? If your car is mechanically sound, keep driving it. Don't waste money fixing stuff that doesn't matter, like dents and scratches and unnecessary accessories like seat warmers. You can drive a car for years even when the trunk won't open anymore and the radio is broken and the headliner is held up with thumbtacks and the door is held together with deck screws. Yhat is an accurate description of the car my kids drove for an additional 6 years after it got too ratty for me to mind handing it over to teenage drivers. Eta the check engine light had been on for over a decade when we finally got rid of it and I'm 99% sure the cat was bad when I bought it.

why do you think you need a 3/4 ton truck instead of a 1/2 ton? the parts and tools you'd be hauling around probably won't weigh so much that the extra capacity is necessary. you should also be aware that many people will look at your shiny new truck and think you are either overpriced or dumb. you will have more street cred with the farmers if you aren't driving a pavement princess. in fact, the older the truck the better. it shows you can keep the oldies running.

take advantage of every service your college offers. career counseling, tutoring, clubs and other student organizations, and if there is cheap/free therapy or other mental health services please take full advantage. Explore every nook and cranny of your campus, many universities have delightfully weird things crammed in out of the way places.

I'd max it out now, and if any increases are ever offered I'd max those too

he should buy it now, because he may have a spouse and kids later. I was not allowed to increase my life insurance through my employer a few years after my initial hire date because I had medical issues (in their opinion - I am totally fine and very unlikely to drop dead in the next 5 years before I retire). So it's better to buy it when they can't say no, just in case there is some reason they can reject you later on.