a CP523 notice is: https://www.irs.gov/individuals/understanding-your-cp523-notice

This website tells you to:

>Contact us immediately at the toll-free number listed at the top right corner of the notice. We will discuss what you need to do to resolve this issue.

Basically your day-job now is to call them.

Maybe you can show up in person. https://apps.irs.gov/app/office-locator/

Call the card company to get yourself removed or just talk to your father.

Investing is an exercise in understanding one's own risk tolerance. If you feel like target date funds are too risky for your situation. You should not feel pressured to use it.

Safe can be defined from a few different perspectives.

• safe can mean low losses

• safe can mean low chance to get into investing the wrong things due to lack of will, skill, time.

My friend, 1% is around $100. Eat a little less and you can save it for your future self.

More money you make in interest, more you dollars you pay in taxes. You will never net less money from moving to a high earning account.

Save more for retirement. You can do more than 6%

1. AutoTrader is a classifieds site. Just like a newspaper, anyone can pay and post a listing of a vehicle for sale. How trustworthy is dependent on the poster, not the platform.

2. Google: "auto insurance broker near me." Explain your insurance needs and they will try to help you out. At the end of the day, you may or may not have an option as to how much you pay.

3. You 99.999% will not find an above board lender to finance 5k for a 14 yr old car.

4. You have to get a job in addition to your grad school duties to afford a car.

I always lock my debit cards until I need it at the ATM. Mobile apps make it super easy to lock and unlock within seconds.

Is it an actual charge or a pending charge?

Good contracts are hard to write. Good contracts require good writers. Good work requires money.

Ask your partner for an itemized list if you think they will bilk you.

Fly out, get physical cash, fly back.

I'm assuming the goal is to minimize current and future costs.

If so, pay off car, do preventive maintenance, drive like a grandma.

r/fidelityinvestments

What are you trying to accomplish? It sounds like pods did their job, horribly, but they did it. They charged you because they delivered your goods.

Are you trying to figure out why they charged another $1k? That's something only they can tell you. Sorry.

What did the pods contract say about delivery date change, fees, etc.?

/r/relationship_advice

Do you like customer service jobs?

> but I fear my social life will tank bc I cannot easily see my friends or do things

Is this the only thing you are afraid of? Not "being able to get to work?" If you don't need a car to work, just get rid of the car and use rideshare. Can you really spend $800 worth of uber in a month?

What's your income and why do you feel like it's not more?

How much is your rent?

Compare their fee schedule to Fidelity, Vanguard, Schwab, etc.

I've had good luck with shirts from Uniqlo. If you wash on gentle and air dry, they will last you until you get fat.

Can you quantify the difference between the interest rates of a 760 score vs a 830 score?

What is your knowledge about credit score reporting and usage? What you're asking for doesn't make sense to me. Are you just trying to see the number tick higher like a game? There aren't any real life benefits. Maybe I'm missing something.

You can either waste your shoes or your knees. Take your pick.