u/2hundred31

Hi guys,

Below is the situation before I found out about the Money Guy. I had a 2023 Subaru Impreza that had a blue book value of $18.5k and a loan balance of ~$8k I traded it in for a 2025 Subaru Forester Hybrid with an MSRP of 39k, 2.5k dealer discount, and 0% APR incentive from manufacturer.

So the 10k positive equity from my trade-in is technically already above the 20% of the 20/3/8 rule. I did finance it for 72 months which goes against the rule but it's for 0%, and the monthly payment is less than 8% of my monthly net income.

I'm in a financial situation to make a principal payment to ensure it's paid off in 3 years. Do I do that or use the fund instead to build up my emergency fund?

Here's the job posting

You'll be working directly in my team.

The caveat is it's in the middle of nowhere, it will be very intense with very little on-boarding, and also we won't be sponsoring anyone for a work visa if you live outside the US

If you have any questions or want me to review your resume and refer you (if you're a great candidate) please let me know. I'm in desperate need of help and have very little bandwidth for more projects so if you could move quickly (within 2 months) please, I'm begging you, reach out to me and apply

Hi folks, I recently found the Money Guy and really like the FOO concept!

I just finished step one and I have some questions on step 2. So my employer contributes $750 to HSA if you opt-in with your high deductible plan. I have 30 days to sign up for my benefits and it seems like a good option for me since I'm in my early 30s and don't have any ongoing medical needs so I don't expect to use my insurance besides the yearly checkup.

If I do opt-in for the HDP, should I count the employer contribution as part of step 2? I know that HSA is technically in step 5 but since there's employer contribution do I get to skip?

My employer also contributes 7% on top of the 4% match, do I count that towards the 25% target?

My income is 110k if that matters

Edit: I should clarify that the employer contributes up to $750 to the HSA if you opt-in to the HDP AND I make my own contribution. The $750 is prorated based on how much I contribute but that's the max I can get if I max out my contribution