hoffse member

One other thing about this - it changes as your income goes up. For instance - spending 50% of your net income on debt seems crazy. But it's a lot less crazy if you bring home $20,000/month than… (View Post)

One other thing because I read some other comments - I would not use mutual funds for college savings. The tax perks of 529s are significantly better. I recognize that not everybody goes to college. … (View Post)

Oh and PLEASE do not pull money out of your Roths for college expenses. That's a terrible idea for so many reasons. Kids can go to community college or inexpensive public colleges on the cheap i… (View Post)

I'll be honest - I'm not familiar with which step is which in DR. So there's that. However, conventional wisdom on this is that you should be contributing to your retirement in full be… (View Post)

Depending on the cost of your house, those numbers sound about right to me. Your interest rate is going to be higher because of your credit score. My credit union will also require 12 months of reser… (View Post)