> set up new payment plans without payments until I get my head above water

That's just not a thing. The bank isn't going to be fine with you not making payments for a few months.

Mine doesn’t charge to roll over (Health Equity) so it’s worth double checking.

I roll mine to Fidelity once a quarter. The only thing HE requires is I keep $25 in there, which is fine.

Yes, you can do that.

Open up an HSA at Fidelity (the only one of the big 3 brokerages that offers an HSA) and roll it over. My HSA provider sucks, so every quarter, I roll over my balance to an HSA at Fidelity. Just submitted my request this morning.

HSA funds can be invested.

Well, then you have two options here.

One, you can call Vanguard and probably have this resolved in 5 minutes

Two, you can transfer it from your brokerage, back to your checking account, then from your checking account to your IRA.

I'd go with option 1.

Just transfer the money from the brokerage account to the IRA. Nothing wrong with this, people do it all the time.

> I thought that if you made above minimum payments instead of paying it all off at once that it raised your score faster?

Nope. You need to pay off the entire statement balance before the due date.

> I also break it into two payments a month.

Nope. You don't get bonus points for making multiple payments.

Pay the statement balance before the due date. It's really that simple.

You have been given misinformation. There's no risk of hyperinflation with the USD.

> I'm just making payments above the minimum.

Why?

> Okay, well I could pay my $400 one off right now

Then pay it off. You're paying 30% interest on it, that's insane. There's no excuse for not paying it off if you have the money for it.

> I'm not really understanding why people think I shouldn't?

Because, if you want an honest answer, your posts here show you do not know how to responsibly handle a credit card and the last thing you should do is give yourself the ability to pile up even more high interest debt.

Use the ones you have responsibly (which means never paying one single penny of interest) for awhile. Then get a new card once you know you can handle the ones you have. Because right now, you can't handle them.

None.

Focus on getting the cards you have paid off, when you're carrying balances with 30% interest, the last thing you need are more credit cards.

Once you've paid off every penny of credit card debt, then you can worry about more credit cards. And if you use them responsibly, the interest rate literally doesn't matter.

Yes, using it is a good idea. You only need to pay it once a month. You don’t get bonus points for paying it more frequently.

Pay the statement balance before the due date, that’s it.

No, you're not missing out.

You don't use a credit score for anything other than to get approved for stuff when you need it.

They're both right.

Payroll withholds according to the instructions you provide them in your W4 form. They did everything correctly according to what they were told. If they have incorrect instructions from you, then it would result in not withholding enough and owing in April. But they don't know your financial situation, hence the reason the W4 form exists.

File a new W4 form with your employer, and make sure the instructions are correctly followed.

> 401k accounts are FDIC insured

No they're not. And a brokerage being insolvent wouldn't affect your assets. You own your shares of whatever you're invested in. If your brokerage failed, another one would take over.

The SIPC insures investment accounts - mostly uninvested cash, which you should have none of in a 401k.

Pay the statement balance before the due date. That's it.

/r/PersonalFinanceCanada will probably be more helpful.

I'm not saying I'd trust Jiffy Lube, but your Civic is nothing special. Any decent local mechanic can work on it. Ask your friends and family if they know of a good one.

Good on you for changing the air filters yourself, in most cars, you could probably train a monkey to do it. Super easy.

It's a sales tactic to get you in there to buy a new car. If they're offering you extra money for your trade, they're charging you more for the new car.

Dealers don't do anything because it benefits the customer.

It takes 5 minutes to open a HYSA and move your money over. You can probably do it on your phone while taking a shit.

Do you like buying things when they’re on sale or do you prefer paying full price?

Because if you like buying things when they’re on sale, as all reasonable people do, now is an excellent time to contribute to a 401k.

And stop taking financial advice from whoever told you not to.

Your employer withholds what you tell them to. Your W4 wasn't filled out correctly. If you're working two jobs this year, you need to submit correct W4s to both employers so the proper amount can be taken out.

Never.

I monitor the contents of my credit report with Credit Karma by having alerts set up to tell me when stuff changes. I ignore CK's credit score because it's useless. I don't care what my true FICO credit score is. I know it's excellent, that's all I need to know.

I have no idea. You can probably find them on the IRS's website.

> Would there be penalties because I did not pay the withholding during the year?

Yes, there are under-withholding penalties.

The US tax system is pay-as-you-earn