TX_Tiger23

The Fed doesn’t control the interest rates on our debt. That is market driven. The Fed controls the overnight lending rate. Raising or lowering the Fed Funds rate is what they control. They can’t raise or lower 2yr, 5yr, 10yr or 30yr Treasury rates. ...

You can use your current cash flow for those doctor visits and let your HSA grow. ...

I have scoliosis and have had sciatic issues in the past. Any type of swimming helps but also basic lower back and hamstring stretches help a ton after any exercise. I haven’t had issues in years. ...

Yep. 2022 was the 7th worst year in the history of the market. And a lot of people don’t understand when you lose 20%+ in a year it takes more than 20%+ to get back to even. ...

ETFs are better for the reason you and the previous commenter mention. Even better so now since the mutual funds will have a lot of embedded gains that will be passed onto the fund holders. My only comment would be to maybe use a percentage you have set for money market into a short term or ultra sh...

Have your parents check out this one. Great funds, with low costs. https://my529.org/ Also, it helps for financial aid purposes if your mom or dad is the custodian as opposed to you. Just a heads up. ...

That’s definitely a possibility and one of the reasons I believe rates have stayed higher for a little bit longer. ...

You avoid the 10% penalty by withdrawing from a 401k as long as you’re 55 or older, not 59.5 like IRAs. ...

If you have after-tax money in your 401k, it can be touched before 55 if you retire and roll everything out of the 401k and put the after-tax bucket into a taxable account. The remaining would go to either an IRA or Roth IRA depending upon how you contributed. ...

There’s not a penalty if they receive a scholarship, just taxes due as would be with any investment. ...