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    Personal Finance Weekday Help and Victory Thread for the week of March 01, 2021

    March 01, 2021

    Personal Finance Weekday Help and Victory Thread for the week of March 01, 2021

    Weekday Help and Victory Thread for the week of March 01, 2021

    Posted: 01 Mar 2021 03:00 AM PST

    If you need help, please check the PF Wiki to see if your question might be answered there.

    This thread is for personal finance questions, discussions, and sharing your success stories:

    1. Please make a top-level comment if you want to ask a question! Also, please don't downvote "moronic" questions! If you have not received your answer within 24 hours, please feel free to start a discussion.

    2. Make a top-level comment if you want to share something positive regarding your personal finances!

    A big thank you to the many PFers who take time to answer other people's questions!

    submitted by /u/IndexBot
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    Someone tried to clear my checking account and ended up taking $18,500 before I noticed

    Posted: 01 Mar 2021 11:18 AM PST

    Checked my bank balance this weekend and noticed that over the course of the past 3 weeks using 6 transactions, starting on the 4th of February , someone has been pulling money out of my account and transferring it to some scam website. All of these were done through ACH transfers.

    At first, I figured it was someone I knew who has pulled shady shit before who might've gained access to my account or routing number but realized it might just be my computer that's compromised.

    I've closed/suspended all my accounts, contacted the merchant and my bank. The website basically said "tough shit, your loss" while my bank said they will conduct an investigation and give me a credit for the amount loss until they can determine whether I'm protected under their terms or not. They decided to break it up into two claims because the website operates under two different names (wtf?) for those specific transactions.

    I'm just wondering, am I screwed? This is my life's savings and thinking about how I might never see this money again is giving me an ulcer.

    EDIT: Bank is BoA

    submitted by /u/Rancid_Remnants
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    Personal finance tips you may not know, including tax hints

    Posted: 01 Mar 2021 05:31 AM PST

    A lot of personal finance advice is straightforward applications of math: Keep expenses less than income. Pay off highest interest rate debts first. Compound growth is your friend.

    Then there are legal requirements and benefits: Use tax-preferred retirement / HSA accounts. Keep insurance in force. Know how self-employment taxes work.

    This post is about less-obvious ways to use existing US laws to your advantage. (Our friends in other countries are welcome to lobby for local versions in their associated personal finance subs.)

    Provisions you may not know, though your tax software should be able to help with these if you tell them you qualify:

    Taxes / tax planning:

    • Take advantage of "adjustments" like IRA/HSA contributions, student loan interest, self-employment taxes/health insurance paid, etc., to reduce taxable income if you are eligible. You can take these even if you do not itemize. There is a special $300 charitable contribution adjustment for non-itemizers for the 2020 tax year.

    • If you are not a full-time student and earn less than 33K single / 66k jointly, you can use the Saver's Credit to get a tax credit (better than a deduction!) for a portion of your IRA or 401k contributions, even for Roth contributions. You can even deduct a contribution to get your income to qualify.

    • if you are a full-time student, you can take advantage of tax breaks such as the American Opportunity Tax Credit if you meet the requirements. Note also that scholarship money for tuition is not taxable income.

    • If you have children who will be full-time students in the future, you can often get a current break on state taxes with a 529 plan. Growth on this money is untaxed if used for educational expenses, but taxed and penalized if used for something else.

    • Gifts and inheritances are generally not taxable to the recipient, even if over $15,000. Other untaxed "income" includes most insurance payouts and damage awards; child support; rebates and credit card spending bonuses. Remember that loans are not income, though forgiven loans typically are.

    • You don't owe any capital gains taxes on appreciated investments until you realize them by selling, though if you do have a taxable gain, there's no benefit if you then buy something else. You can deduct same-year realized losses from realized gains. If you have more losses than gains, you can deduct $3000/year from other income and keep taking that loss against gains in future years until it is used up.

    • You pay no taxes at all on long-term capital gains if your taxable income (including those gains) is less than the top of the 12% tax bracket. That could be $105,000 gross income for a married couple filing jointly, $52,000 single. You can can do this at any age, unless you are someone's dependent.

    • Sales of a personal residence often have no capital gains tax as well. You have to have lived in the house as your primary residence two of the past five years; you get $250,000 per sale ($500,000 for a married couple). This is often enough to make selling a house better financially than keeping it to rent.

    • If you rent a room in your house, part of all of your housing expenses (including insurance and utilities) can be Schedule E expense deductions against your rental income (but you need to declare the rental income.) You don't have taxable income / deductions if your roommates who share the lease give you money to send to your landlord.

    • You might get a 1099K for things you sold online; this is not necessarily taxable income to you, since you can reduce that income by the cost of the items you sold. If you received a 1099K reporting income that wasn't really yours , e.g. for selling something on behalf of someone else, use a nominee distribution declaration to avoid being taxed on it.

    • If your spouse owes money to the federal government from before you were married, use an injured spouse form to keep the IRS from withholding your share of a joint tax refund. This is different than an innocent spouse situation, where your spouse tried to evade taxes without your knowledge.

    Retirement:

    • Think you make too much money to contribute to a Roth IRA? Think again! The Backdoor Roth IRA may work for you. There's even a mega-backdoor Roth for high-income people with certain 401k plans.

    • Always take the 401k match if you have it. Employer contributions to your 401k don't count against the 19.5k limit.

    • If you change you mind about making an IRA contribution, e.g. your income becomes too high for it to be deductible / allowable, or you just contributed too much, you can remove the money or recharacterize / convert the money to another type of IRA before the tax filing deadline without penalty.

    • Self-employed people have lots of options for retirement accounts, including a solo-401k and a SEP IRA. This can apply even if you have employment retirement savings. The solo-401k allows more contributions but has to be set up in advance.

    Health insurance:

    • If you change jobs and don't have insurance coverage for a time, you have 60 days to elect continuing (COBRA) coverage, during which time you are eligible to be covered even if you haven't and won't pay for it. This works retroactively; you can decide to take COBRA at day 59 if you do have major expenses, pay for it, and be covered for the previous 59 days.

    • You have to have an HSA-eligible HDHP to contribute to an HSA. You can keep prior contributions even after you give up an HDHP, you just can't contribute more to it. If you change plans mid-year, it might change how much you can contribute to your HSA that year.

    • The penalty for lack of health care coverage is gone at the federal level, but check if your state has a penalty now. There are five states including California with a penalty, as well as DC.

    submitted by /u/yes_its_him
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    Buying a car: Is it better to finance the car or pay full out in cash?

    Posted: 01 Mar 2021 07:30 AM PST

    For context, I recently won a personal injury settlement. In my state these types of lawsuits aren't taxed, so I will get the full amount. The full amount is enough to get a brand new, higher-end car. However, I am a teen about to graduate and head to college, and I've never had a car before. So, I've decided I will buy a used car at around or below 8k from my local dealership as I don't need a new and higher end car as I will only be traveling a short distance to college and work.

    My question is, is it better to finance a car (pay it off monthly) or buy it up front? I have enough to buy a car and maintain it for a year or two; insurance, gas, and mechanic maintenance included, even if I were to not get a job. On top of that, the only bills I will be required to pay are my insurance for my car and the gas, my parents have decided to pay for my tuition, food, housing, and all other bills as I will still be living with them the entirety of college. So money isn't that big of an issue and shouldn't be a big part in which choice I should pick. What are the pros and cons of financing vs paying in full? I was considering paying in full as it would leave me in a better peace of mind knowing it's fully paid off. However, I'm not sure if this is the best decision.

    Financially, which decision is better? I am so unsure of what to do, as my school had literally no classes on finance and how to manage it, and my parents aren't as experienced with money either. Can paying off my car help build my credit? If not, is it better to simply just buy it in full? Any other things I should know? Also sorry if the flair is wrong, I'm not sure which this would fall under.

    Edit: Should have clarified, I am not yet 18 but will be soon and have no credit.

    Edit 2: Thank you for all the comments, I am reading every single one! I appreciate it. I will definitely look over all the suggestions in the comments and research them further. I was a little vague in my main post for privacy reasons but if you need clarification on any other issues related to how I would buy the car, please ask, I want to know what's best for me and I will provide as much info as possible!!

    submitted by /u/PFthrowaway-123
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    Just hit a year's worth of salary in retirement before hitting 30. Can I lower contributions to retirement without it hurting me?

    Posted: 01 Mar 2021 12:57 PM PST

    I just turned 27, just got bumped up significantly in salary to 80.5k. No debt and I've kept things pretty simple. I've worked full time at the same job since I was 22.

    ​

    Total Retirement: 82k

    401k: ~70k

    Roth: ~10k (in my mind this is my emergency fund since I can withdraw at any point without penalty, but if I don't need it, then it's retirement).

    ​

    I have about 12k in cash and I own a reliable CRV worth maybe 12k. I contribute 11% pre-tax salary to my 401k and my company gives me a lump sum of 6k on top of that (4% match or 6k lump sum, whichever is more, so long as you contributed 4%), so I contribute what feels like a lot. I always tried to make sure I was prioritizing my retirement savings as young as possible, so I could benefit from years of growth. But I'm feeling really burnt out lately with work and life, and I'd like to shift my priorities and save for a house, or at the very least, some "nicer" things like new furniture, or maybe a vacation once I'm vaccinated. Basically I'd like to build equity in a house, or barring that, just "enjoy" things a little more now.

    I have no real interest in FIRE, as I'm a fairly career-oriented person, so if I'm planning on retiring at a normal age and have all those decades of growth, do I need to continue contributing so much? Am I potentially ruining my financial future if I cut my contributions down to half or even to the match?

    ​

    One fear maybe worth mentioning is that even if I cut my contributions and start saving like crazy, I'll probably never be able to afford a down payment for a home in my area (SLC, UT) just given that the cost of homes far outpaces my ability to save. Median home price here is like 350k for a very run-down starter home. New or nicer condos / townhomes are running 400k+. So a 20% down payment would be between 60 and 80k. If I'll never be able to afford a house, does it just make sense to give up and keep contributing?

    ​

    ​

    Edit: For those asking - I had an additional 12k in an ACTUAL emergency fund, but I spent it last summer and fall on classes at the local university -- finished 32 credits of medical school pre-reqs with the idea that if I became too burnt out in my career, I could switch careers. So that is where that money went. Also just paid off my CRV, so I didn't always have good cash flow.

    Can probably save 1500 to 1800 a month if I became very disciplined with budgeting. Just need to balance mental health considerations / vacations, etc.

    submitted by /u/Carry_Neat
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    Mattress Store is asking me to "come sign something" >1 month after a purchase

    Posted: 01 Mar 2021 10:30 AM PST

    I apologize if I'm posting this in the wrong area. Just not sure where else to ask, and what my responsibility is here.

    About a month and a half ago I was in the market for a new mattress. After doing my research and shopping around, I went with a local mattress store close to my home. They had some great deals and promotional financing so I signed up for their instore credit card with the intention of paying off the full balance of the mattress shortly thereafter. I picked up my mattress a few days later and brought it home and it has been a godsend for my sleep pattern.

    Well, since then I received the paperwork in the mail about the in-store financing. There were instructions to register for an account on Synchrony Bank's website where I could make a payment. I followed the instructions, registered, and lo and behold my account didn't reflect a balance. No big deal, maybe the charge didn't hit yet. So I've been waiting. When nearly a month had passed and the website still reflects a zero balance, I got a little worried so I called Synchrony and spoke with one of their reps who told me that my account reflected $0 and that no purchases had hit the account yet. I explained that this didn't make much sense to me, and I was a little concerned because I've had the mattress for a month now. He asked: "You've had the mattress for a month?" and I said yes. He really had no further advice for me beyond continuing to monitor the account.

    Well, I was just called by the store rep I bought the mattress from, who told me that the bank had called their store to inform them of this. She said that "this happened twice to two other people on the day you bought your mattress," and told me that I needed to come into the store to sign more paperwork. I'm concerned that I'm falling into some sort of shady debt scheme, and that I'm going to be making myself accountable for something that I shouldn't by going in and signing more paperwork. I mean, they already have my social security number and the paperwork I signed on the day I purchased the mattress. Are there certain questions I should ask when I go to the store before I sign anything?

    submitted by /u/fluorescent_noir
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    Emergency Funds

    Posted: 01 Mar 2021 07:11 AM PST

    I have $25,000 sitting in a Capital One 360 account as our emergency fund earning next to nothing. Any recommendations on something with a little higher interest. I don't want to do a 3 or 6 Month CD, as I want to be able to grab this cash if I need it.

    submitted by /u/21stNames
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    Living Alone vs One Roommate

    Posted: 01 Mar 2021 06:36 PM PST

    My current situation. I am 27year old guy making 78K salary and extra based on side deals. Currently living alone in a small studio(350sqft) at $1600/month. There is an opportunity for me to get a 2br 1bath unit(~1200sqft) at $3000/month in the same home.

    Note the unit is in a highly desired area and quite hard to get.

    Pros: more space, separate living room(size of studio), full kitchen, out door lanai, bedrooms are on opposite sides of unit.

    Cons: need to have a roommate to pay almost the same rent, we would share a bathroom, bedrooms are smaller than the studio.

    I do have longtime friend(M) who travels a lot for work that is very interested. However I have heard having a good friend as a roommate could ruin the brother hood but I do not feel like this would happen.

    Always appreciate the insight.

    Aloha

    submitted by /u/haolehammerhead
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    30-Day Challenge #3: Prepare your tax return accurately and file early (March, 2021)

    Posted: 01 Mar 2021 05:00 AM PST

    30-day challenges

    We are pleased to continue our 30-day challenge series. Past challenges can be found here.

    This month's 30-day challenge is to Prepare your Tax Return Accurately, and File Early.

    You've successfully completed this challenge once you've filed your US federal income tax return by March 31st.

    Recommended Steps:

    Plan

    1. Learn how US income taxes work:
    2. Watch Basics of US income tax rate schedule
    3. Watch Tax deductions introduction
    4. Read /r/personalfinances's very own wiki page on income tax
    5. Understand what exactly your tax return is: A form you fill out, telling the government how much money you made, calculating how much taxes you owe on that money (your "tax liability"), and "squaring-up" with the government: Figuring out if you already paid more than your actual tax liability throughout the year with paycheck withholdings (in which case you will get a tax refund), or if you haven't paid enough throughout the year, and owe a balance to the government.
    6. Determine your filing status and determine whether you can be claimed as a dependent by anyone (for example, your parents), or can claim any dependents. (IRS Dependent Tool)
    7. Prepare a "map" for what documentation you will need to fill out your tax return, then go through the list and make sure you have the documentation for each. Don't worry if you forget something. The software you use to fill out your tax return (or the tax return form itself) will remind you of things you might have forgotten.
    8. Jot down every possible way you made money this year (remember, even if you don't get a form, you still need to report it):
      • paycheck from my job (W-2 form)
      • interest on my bank account (personal records like your December account statement, or a 1099 form)
      • dividends from my stock (1099-Div)
      • income from my small business or self employment (personal records, or 1099 form)
    9. Make a list of all the possible deductions you might think you are eligible for, and make sure you have documentation:
      • mortgage interest you paid (1098)
      • student loan interest you paid (1098-E)
      • education expenses (1098-T)
      • state or local income taxes (W-2)
      • charitable contributions (personal records)

    Prepare and file your Tax Return

    Using one of the following methods

    1. See if you are eligible for completely free tax return preparation software sponsored by the IRS
    2. Use paid (or free) tax return preparation software. Examples: TaxAct, TurboTax, CreditKarma, AARP, FreeTaxUSA, TaxSlayer. See our megathread for discussion.
    3. "Manually" fill out the tax return form online using IRS Free Fillable Forms

    By starting early, it allows you more time to deal with unanticipated questions about your tax return. "Wait, can I claim my girlfriend as a dependent"? "Do I have to report income from renting out the spare room in my house to a friend?". When these come up, feel free to create a new post asking for help with as much details as you can provide.

    submitted by /u/IndexBot
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    Company withheld shares to cover taxes owed for employee stock program. Shares were worth more than taxes owed. What happens to the difference?

    Posted: 01 Mar 2021 06:02 AM PST

    The value of the shares withheld to cover taxes exceeds the amount of taxes of I owed. What happens to the difference? Appreciate any help here.

    submitted by /u/stsh
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    Am I doing this credit card thing right?

    Posted: 01 Mar 2021 07:27 AM PST

    Hey! So just got my first credit card. Cap one platinum MasterCard. $300 limit. I'm having a hard time understanding the way to use it. So far all I've done is added a recurring $24.95 bill onto the card. To my understanding I should be under 10% utilization with just that.

    The app says my first payment is due April 11th, and they will let me know the minimum amount after March 17th. So step by step when do I want to pay this off? From what I gather, I need to pay my bill in full, exactly on April 11th? Or a day before to avoid the 26% interest rate? Please plain English

    submitted by /u/Dependent_Lunch7940
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    What is the step by step process for Traditional IRA to Backdoor Roth ?

    Posted: 01 Mar 2021 06:29 PM PST

    Hey guys, I'm over the income limit so I want to see what tax advantages I can take. I have fidelity with money market account. I opened a traditional IRA account that is not funded yet. So I plan to transfer $6,000 for 2020 tax year and then do I fill out paperwork to transfer into a backdoor Roth?

    Does this need to be done every year I'm over the income limits?

    submitted by /u/Askbozo
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    Turbotax bug: Mis-handling backdoor Roth IRAs

    Posted: 01 Mar 2021 01:16 PM PST

    I filed my taxes with TurboTax this year (old habits die hard), and just got a notification from them saying that my return was rejected due to a "potential issue with the calculation of your Taxable Inherited IRA." I don't have an inherited IRA, but I did do Backdoor Roth IRA this year. I imagine many folks on this sub do as well, so wanted to share here.

    A quick search yielded this result in the TT forums:
    https://ttlc.intuit.com/community/taxes/discussion/return-rejected-for-potential-issue-with-the-calculation-of-your-taxable-inherited-ira-but-i-don-t/00/1997137

    Sure enough, the TurboTax app confirmed that there's a bug:

    We are reviewing updates to Taxable Inherited IRA calculations. We expect to have these updates done by March 5th, 2021.

    So if you did a Backdoor Roth IRA contribution this year and filed with TT, don't freak out (yet?) and hopefully they'll have this fixed on Friday. In the meantime, if you're like me, it's time to think about your life choices and seriously consider switching next year. I know that no software is perfect, but TurboTax has been in the game for a long time and Backdoor Roth IRAs are not a new concept.

    submitted by /u/AutonomousCoward
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    Can I get a mortgage?

    Posted: 01 Mar 2021 06:11 PM PST

    I am a 19 year old with no job, but about 600k in liquid assets. Can I get a mortgage for a home in the 100-300k range or is that impossible?

    submitted by /u/xesavade
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    Advice for 18y/o coming into $60-75k (WA|US)

    Posted: 01 Mar 2021 03:50 PM PST

    I'm seeking advice/different perspectives to help guide my daughter, who is getting a settlement from a bad car accident she was in a couple years ago. Luckily she seems to understand how quickly money like this can go, and wants to put it away to grow until she is ready to buy a home in 5-10 years.

    I would love educated advice on how to split it up, and what kind of accounts/investments would be the best bet for her. Additionally, what should we do initially with the actual check? Put it in her bank account and transfer money from there to investment accounts? I assume so, I've just never had this specific situation to deal with before, so forgive me if that is stupid. Any insight and advice is most appreciated!
    * for the record, it is not taxable

    submitted by /u/tempadoodledo
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    Contribute to 401K or Roth IRA?

    Posted: 01 Mar 2021 07:35 PM PST

    Hi all!

    I'm currently contributing to a high yield savings account (emergency fund) and focusing all of my efforts on that to have on deck in case something were to occur.

    I just started working full time and I'm torn between contributing between my 401K and my Roth IRA. My company offers a match up to 6% of my total salary (they only match 25% of what I contribute) however in order to keep my employer contributions, I would need to have worked at my company for at least 3 years (I keep 25% of the employer contributions if I worked here for 2 years).

    I don't believe I will be at this company for three years so I wanted to ask, which one should I contribute to my 401K or Roth IRA based on my situation?

    I was thinking focusing my efforts on my emergency fund first until I have 6 months saved up then once I have that set, I will lower my emergency fund contribution and max out my Roth IRA then if I have anything left over I will try to get my company match. How does this sound to everyone?

    Thanks everyone!

    submitted by /u/SPT2020
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    Is there a point when you really should have a financial advisor?

    Posted: 01 Mar 2021 07:26 PM PST

    As the title says...

    I'm finally hitting the high earning potential years of my career. With that said, are there any golden rules regarding when to hire a financial advisor?

    I like to think I have a good handle on my finances and goal planning - aside from my mortgages, I only have two outstanding loans that are both 0% APR. I have a diversified portfolio of investments and clear goals for retirement. However, I'm not sure if I am overlooking anything regarding the benefit of having an advisor.

    Thanks in advance for any feedback.

    submitted by /u/row_the_boat_0115
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    My job ends in a few months. How to prepare for it?

    Posted: 01 Mar 2021 11:43 AM PST

    I'm stockpiling cash rather than paying down debt. I will just make the minimum payments on current debt (which ranges from 2 to 3.99% APR).

    I don't want to move out of my single apartment that I'm renting but prepared to do so and move back in with my parents if I don't have a new job lined up.

    Job market is looking a bit rough and competitive so I'm concerned. Hoping to find a new job before current one ends and my focus will be on the job search but I know it's not going to be easy.

    Anything else to prepare for it over the next few months?

    submitted by /u/redditthrowaway813
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    Need of help with food costs - where do i go?

    Posted: 01 Mar 2021 07:18 AM PST

    I am really low on food and can't seem to get help. I asked my work coach but said I getting a benefit payment so not allowed to access food support yet this payment only covers my rent. Long wait until my next payment. In need of food now. Where do i go/what do i do?

    submitted by /u/TamBam1990
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    need to withdraw from my 401k (age 31) Can I?

    Posted: 01 Mar 2021 05:04 PM PST

    So I thought I was being smart by contributing to my 401k and started to do that last fall. I checked and today and I've contributed $1200 pretax and have a 1.5% return on my money so far.

    Problem is, I have debt that's accruing interest at a much higher rate than the 1.5% annually I'm getting in my 401k, and kinda wanna just "start fresh"- that is, I'd rather tackle my debts and have less liquid cash and no money in my 401k until these debts are taken care of.

    My 401k is through my employer and the plan is through Voya. The money in my 401k is all mine, my employer doesn't match. I tried calling voya and they said my only option is a hardship withdrawal (but I don't have really and hardships I can use, my hardships are a result of dumb spending- i.e. no medical expenses/tuition expenses like they mentioned could be used as documentation, etc)

    So, what can I do, or what do I say to Voya when I tell them I'm willing to even accept a penalty to take out the money?

    Thanks in advance- the next step (I can do this on my own) is creating a budget.

    submitted by /u/dontbelievejustwatch
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    Best Jobs to do for 22 year old

    Posted: 01 Mar 2021 06:27 PM PST

    So I'm not doing so hot with college (trying to get into a University from Community College) and am thinking of dropping out and just moving away from parents cause a lot of my stress is caused by them. I love them but I need to leave.

    What are the best jobs for someone with an Associates Degree and away from Jacksonville, FL?

    Sadly, I don't have that many close friends, not a lot of money, and I don't want to burden my brother who is currently in Grad School at Orlando and living with his girlfriend. And I don't want to alert other family because they're the kind to just talk behind your back and shit.

    submitted by /u/NimoDhar
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    SO pays for their own health insurance, always seems to be paying a lot of visits.

    Posted: 01 Mar 2021 06:25 PM PST

    hi - my SO visited an urgent care around their neighborhood a month or two ago for some allergy tests. nothing major. she later received a bill for a little over $500 for this visit. a couple months ago she also visited an urgent care to care for an ear infection. the doctor prescribed some sort of antibiotic i believe, and that was that. the bill was something like $200+ as well.

    she pays about $240 monthly for health insurance, and i'm lucky enough to have insurance from my occupation. i feel guilty that she has to pay so much for such minor, quick visits. unfortunately, i feel like maybe this is the norm, and yet i wanted to check if there was advice in the sub to see what i can do to alleviate these charges for her. i know someone recently posted here and received the advice to "get an itemized bill", however the bills she has received were all itemized. she's considering just canceling her health insurance since they don't seem to cover a lot.

    we live in New York City if that helps with context. grateful for any and all tips.

    submitted by /u/montrealjack
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    Unemployment fraud

    Posted: 01 Mar 2021 06:15 PM PST

    Hiya. So my retired mother received a US Bank Reliacard debit card in the mail last week and at first glance thought it was just another spam/promotional card but after looking closer it seemed like more than that.
    So upon calling the company today we found out that the card was issued because someone used her information(guessing from the Equifax hack) to file an unemployment claim in Ohio. She does not nor has she ever lived or worked(or even visited) in Ohio.
    US Bank said it would cancel the card and we used the online fraud reporting form on the Ohio.gov website to notify them of the identity theft.
    We froze her credit at Experian, TransUnion and Equifax. Which while doing so we checked her credit report at 2 of the 3 and they show no activity.
    Also we plan to file a police report in the next day or two.

    Is there anything else we should be doing? Like we notified Ohio's unemployment office but is there any reason to also notify the unemployment office in our actual state? And is there any way to prevent something like this from happening again in the future?

    Thanks in advance for any help.

    submitted by /u/XRT28
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    What can I use excess money on to increase happiness?

    Posted: 01 Mar 2021 05:49 PM PST

    I'm 24, max out my retirement every year + invest additional thousands a year. I'm not rich, but am doing better than fine. Numbers don't really matter for this post. I just want to know what extras in life I can spend cash on that would increase happiness.

    Here's what I have done so far.

    Got Lasik

    Got smile direct club

    Hired a house cleaner

    Get groceries delivered

    Any other suggestions? I work a lot of hours so reducing time spent doing chores is a big plus right now.

    Thanks for any help. Appreciate it.

    submitted by /u/Zachownsall
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    How can I find 2019 AGI without a transcript of my 2019 return?

    Posted: 01 Mar 2021 07:48 PM PST

    When I filed back in 2019, my return was accepted but I never got my refund. Eventually, IRS said they needed proof of identity. I was never able to actually reach them so I never received my refund.

    This year, I'm trying to file but the IRS rejected TurboTax's calculated AGI and I can't find mine anywhere online. I even tried the IRS portal that TurboTax suggests but theres no return transcript for 2019.

    I would really appreciate any help. I hate tax season

    submitted by /u/FashionEagle69
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