Max out. Trim the fat in budget, from cellphones to takeout.

Find me the funnest, easiest job in the world and after 6 months of doing it I will have a list of what I hate about it.

Dig in and fight, its called a job for a reason...you can always join the military.

I'd take a low ball offer and keep looking for something better.

. Neighbors high school kid asked me for financial advice, work at big chain fast food making $17/hour or local trendy coffee shop making $10.50/hr + tips. I said coffee shop, she averages $20/hr in cash tips. Plus 830-430 shift. Never know what those "low ball" offers may turn into.

You are smart to start arming yourself with knowledge. Do your financial homework and read up..theres lots of books, no need to buy just goto the library.

I would open a roth ira and pay off my debt. If you land the big 160k job you might be making too much and have to do a back door roth.

As far as interships..crush it. Basically a 3 month job interview. Most interns work hard the first and last week, and slack a little between. The ones that work hard from start to finish are more likely to get an offer. As stated dont blab about other interships..

Once job landed look at benefits..especially if have HSA, I would put this above 401k.

HSA, roth ira, roth 401k, brokerage account..that would be order of importance. Maybe roth 401k to get match before roth ira. You max the tax asvantage accounts and then through some into a brokerage you probably can retire in style at 50..

Dont borrow money to buy a snappy new car. Pay cash for 1-2 year old used.

Whitefish or cisco..but face doesnt look right..not sure..giant chubb?

Pay off..get a side hustle that has cash tips..never look back

If a car is a necessity then buy with cash. Not a huge new car guy...we struggled to find a good deal on our last used but eventually found one. If need now kinda jammed..i suspect all.car prices are eventually going to down trend. ..people were.crazy "hey theres a new car on the lot i better pay 2k more than sticker"...borrowing money for anything that depreciates makes no snese to me.

As for putting off downpayment..not the end of the world.

Negotiating tip..dont tell you are paying cash..Negotiate price like going to finance, then drop it on them..hey i.changed my mind i am paying cash . Also most of the fees are bs..try to get those down too..sales guys get pissed when switch to cash..oh well..not like they are 100% forthcoming

Probably not. Are you contributing to a roth ira or an hsa. At bare min i would be investing at least 10% of salary. 15% is the recommended by most experts. Check some retirement calculators

Yup..borrowing for a vehicle is always a bad idea. My question is where is the rest going per month..i am wondering if 6k is gross or net...sounds like net. Cut spending, invest for retirement and work OT to pay off that boat anchor aka truck loan.

Work the math on the salaries, time off, all the fringe benefits including stress. I was offered a goverment cake job with a pension..compared to private sector and the math didn't work for me..

Whats the interest rate on the rental mortgage and how much do you owe.

standard google searchs confused me..ie "difference between financial advisor and financial planners" and such articles. Even your statement "most FAs are not CFPs". So use an advisor but only cfp or use only cfp? How about avoid advisors that are not cfps???

Correct if me i am wrong but i thought there was a difference between financial advisors and certified financial planners. I got no problems with cfp, fa i dont really like, just me.

Either choice are pretty good/simple.2070 tdf if you really dont want to ever think about again. I actually like tdf's for simplicity. Once in your career open brokerge and buy etfs

How much do you have in other investments specifically?. A 1.3 million house sounds ludicrous if only inheriting 2 million. I would buy a 500k house and probably retire now. Riverfront also sounds expensive, will you be getting boat?.Boat stands for "bust out another thousand".

Uhh..no. first advisors is a pretty loose term and most prey upon the financial illiterate buy selling them commission based products. I would avoid any advisor.

Park your money in HYSA for 4 months and do your own research. Bankrate or nerdwallet can guide you on HYSA. Buying a used 20k car is smart, again researh reliability, value, gas milage, shop for good price etc. Hard to beat used honda..dont buy a dodge charger etc. Once a little investing savy i would open a roth ira..

Emergency fund. 15% of income into tax sheltered vehicle (401k, roth ira, hsa)..then pay off debt asap..car debt makes me puke...

Does job offer HSA?

Live with parents as long as you can handle to save up as much as possible for own placd..California is expensive. 120k is good money but not if you have a $3800 per month mortgage

This is a very good answer. I personally feel tdf get a bad rap because of the raging bull we have been riding. For ease i think they are great for starting investor or for someone who wants to set and forget. Just set a goal of investing at least 15% of income and you will be thanking yourself 40 years later.

Make sure its not stolen...lol

Something with good cash tips..bartending, golf instructor, pumping gas at a boat marina, baggage delivery at swank hotel..when i worked in college i got better grades because i was more focused..when i didnt i would screw off, drink and play video games

Nice work on savings. I wouldnt open any investment accouhts until student loan debt is gone. Parents can change minds.

Find a second job..bartending at night..something with cash tips..i worked 6 days a week for years to pay off debt and on my day "off" i cut grass on and off for the neighbors..only way out is to dig in and work

This is exactly what i was thinking..have the partner but their money where their mouth is...always so easy to spend others money..make sure both names on lease...

A.lot of used car dealers got really rich in 2021-2022.., never borrow money to buy a car..i would keep the car, and find a side gig to pay off sooner.