You can't change her. So you either stay her friend or walk away from the trainwreck/mooching that's coming.

So if you have a lot of low age accounts it'll help, but it's only 15% of your score so it will only help so much. Paying on time and not using up most of your available credit will improve your score more.

You can be added and never spend on the card and the family member can keep the card so you don't. I'm on one of my parents' cards still and I don't know if they even get a physical card for me anymore.

It won't hurt their score unless you spend more than they can afford and you don't give them money for it.

What's your score now? If you're already in the top tier it doesn't really matter enough to do that. They always have to say some negative things, so when you're in the top tier they just select the worst of the great. If you're lower down, then increasing your aaoa would help some.

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>Share price is completely irrelevant.

I didn't mean share price - I meant with the whole what would $10k be if you invested it in these funds 10 years ago thing and said price. I meant growth.

What has me scratching my head is I went to Invesco's site to see what their top stocks are (pretty much the same as S&P) - and they have a graph with comparable funds. QQQ almost exactly mirrors S&P 500, but at a slightly lower price and maybe a slight delay. Like why buy QQQ instead of S&P? It's er is 0.2% so not high, but you can get the S&P for a lower er which would widen the gap. I'm perplexed, unless there's just that many people that don't want to invest in banks.

Taking on more debt almost never helps your credit score in a way that you can't otherwise achieve. (The major exception to that is someone without any credit history.)

If you're paying your credit cards on time, preferably in full, and not charging more than 30% of your total credit, then you'll just have to wait your time for it to rebound. A loan won't make it rebound faster.

Credit is real easy to trash, but it takes time to restore.

If there's a company match you should always contribute enough to get the full match unless you're in dire straights.

How confident are you that you will follow through with starting contributions when you pay off the debts and not have life style creep?

This isn't going to end well my friend. You're already resentful, and you're doing yourself harm in order not to be honest with your gf. Your best option is to tell her you thought you could handle it, but you can't so you need a closed relationship.

I believe that means the OOP Max can't being HIGHER than 7,500 to qualify - not that it has to be at least 7,500.

Source - I have an HSA this year and the OOP max is $7000 which is less than the current max amount set for this year and it was $6000 in 2021.

Should you trust her?

How does she make her money? That’ll tell you just about everything you need to know.