I don't know why anything would need to be conscious to engage in self preservation. We don't tend to think of plants, or viruses, or fungus, as having consciousness but they engage in pretty sophisticated self preservation behaviors. But then again, maybe these things do have a version of consciousness.

He's gonna lose so much money I can feel it in my bones.

Read the wiki and come back with more specific questions. It sounds like you want to open a retirement savings account, the Wiki explains your different options.

Congratulations for being so good at saving! You have quite a good stack of cash piled up. Learn how to invest that in low cost index funds so that you don't slowly lose it to inflation.

Also max out your tax advantaged accounts, otherwise you are paying more taxes than necessary.

Have you considered that the stress and anxiety from financial insecurity could cause someone to self medicate with drugs and alcohol?

You might have your causation wrong in the correlation.

I'm sorry I misunderstood. So you would be getting experience in nursing, just living at home. Yeah maybe it would make sense to live at home just for like a year while you get ramped up on nursing. A year will go by super quick.

Generally I would not encourage someone to move back home, because life isn't just about money. But if you can't afford to move out you can't afford it and you do what you have to do.

What is your degree in? The long term returns will be higher by entering your profession ASAP. Wasting a year in a job not related to your career sounds like a waste of time IMO.

Yeah he ought to start converting that cash to gold. If he doesn't trust banks I can't think of a better solution than precious metals.

This might sound nuts but gold and silver might be better. It's not a perfect solution obviously but metals are a little more likely to survive a house fire than paper.

Just get a lawyer, none of this makes sense. I don't know what a W2 has to do with it.

You're overthinking this, just start a rollover IRA in your Fidelity account. No need to pay someone at Edward Jones for something Fidelity will do for very low fees. Also there's no real reason to roll it into your current employers plan, I can only think of downsides to that.

I'm not sure where this $1200 figure comes from, my company is definitely not contributing. I just pay a lower premium.

HDHP is not optimal for every individual situation. In your case going with the PPO probably is better.

Yeah that's how that works. If you want to pay off debt you just...pay it off.

Y'all have $185K/year salary and it's less than $20K. Just pay it off using the avalanche method.

I thought this was a forum where we are trying to give power back to the retail trader? LMAO just kidding that's regarded 🤣

I don't know how we can help you. If you don't have good credit, you can't get a loan. That's just how it works.

You should read about wildcat banking, the parallels between that and these crypto exchanges are quite interesting. People think this completely new thing but it's not. Crypto is basically the wild wild west, just like wildcat banks from almost 200 years ago.

You have to have liquidity in USD for anyone cashing out their crypto. When people started to realize liquidity dried up, a bank run ensued, and many or most people weren't able to get their money back out. If they had not transfered the money to Alameda they might still be solvent.

Yeah I'd hate for him to just give it all to whatever organization only to find later there is a cause he's passionate about and wish he could donate to.

I would sign them all up for YNAB if you need to measure results. I just think it would be a lot easier to get someone to sign up for an account than it would be to make sure they got around to reading the book before the 6 months is up.

Also educational videos for a "lunch and learn" events because getting people together with free sandwiches to watch a video about financial literacy is going to be a lot easier to measure than figuring out whether or not people read the books you bought them.

You could also buy prizes for drawings for 30 day challenges, like people who track their expenses for 30 days in a row.

I just wouldn't give them books and expect to have something measurable at the end of 6 months. I just know how people are, they're busy, they won't get around two homework assignments.

• snowball - pay off debts one at a time, smallest to largest.

• avalanche method - pay off debts one at a time, highest interest rate to lowest interest rate

Start a charitable foundation through Vanguard and name it something your father would absolutely hate. That's what I would do but I'm petty like that.

If you can't meet your minimum payments you have an income problem more than a debt problem.

Use the snowball or avalanche method to start paying it off.