youre at the edge of being house poor and when you add in monthly hoa fees of probably several hundred dollars that always go up along with insurance and property taxes then this isn't looking so hot unless you are someone that can really be completely aware of all your money being spent and you don't buy crap you don't need

If you don't have income you can't get a loan generally.

You do not need to know all the negatives of co-signing because you are not going to co-sign for ANYBODY ever.

I have to see pictures of this debacle

Why? Because if you pay attention it is no big deal and about $300 cheaper to do it yourself. That’s why

You shouldn’t be spending any money per month on a car with that income. You should be able to save up and pay cash for a car in a very short time.

And why are we considering financing a car when you have student loan debt? The math rules of money and finances apply the same to you as anybody else. You may have a bigger shovel than others with that income but that isn’t a free pass to have debt and accrue more debt

You asked what to do. And I would tell you to stop borrowing money. Do whatever you wish otherwise which means you keep the car. I can’t imagine you need to put that many miles on the car

Another good reason to not take out 401k money

First mistake is putting any value into what credit karma reports

I’m not sure what you should do but hell would freeze over before I financed anything at that rate.

I don’t believe the eggs in one basket theory when it comes to this. I have savings and checking at one bank and have for several decades. Sure fraud can happen but not concerned about it. My debit card is not something I ever use for purchase. I’m not one of those dumbasses that gives companies access to my accounts to automatically withdrawal money for bills either

My password online gets changed annually or whenever a data breach could cause an issue and its 30 plus random characters and the password is only used for that account. Nobody has my PIN numbers or passwords or online over the phone bank password. My money is insured by government as well.

It also isn’t a joint account

But do whatever you think you need to do to sleep at night

Who the hell is using personal checks anymore and mailing them?

Always have a backup plan whether there is a merger or not.

In addition to what has been posted. The easiest or at least most logical way to build wealth is to reduce expenses so you have more to invest.

I guarantee your dad has financial issues if he told you that and as such I would probably never take financial advice from him if I were you. The market is down so let’s sell off some stock and lock in our losses. Nope.

Yes I would buy a 2k car on my credit card but not because it is zero percent interest but because you probably need a car and you’re broke

And how are you going to afford the installation of a dui breathalyzer and monthly costs?

That’s ridiculous. I adopted two babies in the US after fostering them. We got them as soon as they were released from the hospital after being born. Cost was $1500 which was reimbursed from the state and there was a 15k tax credit.

Don’t be surprised if a collection affects your immigration status and causes you problems

Just cancel or go to an insurance company that will work with suspending

I’m surprised they didn’t suggest a spring upgrade. Being a garage door company they should know the opener doesn’t really lift the weight of the door. The springs should hold the door in a neutral position so that the opener doesn’t have to do much but yeah it should still match the requirements for that door weight

I would get the correct spring set up and opener or I would replace the insulation with lighter weight insulation or take it off completely

Whatever you do you will have to readjust your spring tension which should be checked yearly or so anyway

Just based on everything you posted you should be paying somebody else to do your taxes

Seems like a non issue to me

Haha. You won’t even be close to qualifying.

Making 75 k gross and no other debt with todays interest rates then a mortgage of 225k would be a stretch with seven mouths to feed

You’re going to have to sell your house before buying a new one

From what I read you got a fat discount from chevy for buying that and you don’t get any credits for 2022. And you don’t get any for 2023 because you bought the car in 2022

What are you using to force air