I've had a different experience. I walked into Altura Credit Union and had a checking account open in ~20 min, with most of that being spent on printing and filling out paperwork.

Customer service has also been top notch answering my questions.

Just like banks, not all credit unions are equal. Look at the one's in your area and research them. They'll often have lower rates for car and other loans than many other institutions.

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What do you expect might go wrong?

I know you said you prefer an online bank but would research local credit unions as they have low to no fees for having an account. Fees will apply for transfers, overdraft, extra checks etc.

Some might have requirements, such as schools first near me requires you or a family member to be a school district employee, but many have no requirements other than a small minimum deposit.

Thank you!

You answered my question clearly. It makes sense that earnings are anything above contributions. I was mostly unsure about whether I would have to take in dividends into the calculation of the current depreciated value, but as you stated, that is not the case.

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And I agree, it is generally recommended against using a retirement account to pay for current expenses. However, I am funding, above the match, my 401k and will increase that as my income increases. I get bi-annual raises and will be earning my professional certification in the next year which will greatly increase my earning potential.

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Lastly, is my above budget not appropriate? I know most here would say they would cut subscriptions as they are luxuries, but these are gym, strava, and hulu, my only luxuries that keep me content and healthy.