u/Final-Designer-388

For the past 2 years, I've been working roughly 20 hours per week at a PSLF employer. Last month, I began working 30 hours/week and have my counter on 2/120 now. My question is - even though I only worked 20 hours/week the past two years - is there anyway to get an average of 30 hours/week combined throughout the months? Even just a few more payments on my counter would make me feel more motivated at this time .. I owe $72k

I am trying to focus on anti aging, I have fine lines that could really benefit from botox but can't convince myself to spend the money on that quite yet. I have Good Genes and just got amlactin intensive healing lotion yesterday. Are the two basically the same? Is one better than the other? Could I use amlactin intensive healing lotion everyday with the 15% AHA? What benefits can I expect to see?

I received a $70,000 back-pay payment from my disability. I have kept it in a CD since that is most safe to me, while still generating some interest income. I'll be unable to ever work again. The CD interest is working fine for me, but, in my mind I am wondering if I should invest the money into the stock market, like an ETF maybe?

My hair is thinning on top and I am having a lot of shedding. Dermatologist prescribed 50mg Spironolactone for female hair loss. I am reading that Spironolactone can affect skin as well as hair. I use tretinoin as a preventive aging method, will the two interfere with one another? I also read minoxidil is ideal in combination with oral Spironolactone for maximum hair regrowth, would this be oral or topical? Does one work better than the other?

Are there any additional pros/cons of spiro? Does it offer anti aging benefits to the skin (fine lines, elasticity)?

** also in perimenopause so my hormones are out of whack right now **

My hair is thinning on top and I am having a lot of shedding. Dermatologist prescribed 50mg Spironolactone for female hair loss. I am reading that Spironolactone can affect skin as well as hair. I use tretinoin as a preventive aging method, will the two interfere with one another? I also read minoxidil is ideal in combination with oral Spironolactone for maximum hair regrowth, would this be oral or topical? Does one work better than the other?

Are there any additional pros/cons of spiro? Does it offer anti aging benefits to the skin (fine lines, elasticity)?

** also in perimenopause so my hormones are out of whack right now **

Currently 38 years old. I am wanting to make the maximum amount of earnings off my current IRA balances as possible.

So I had both my traditional & roth IRAs 100% with VOO but I wanted to make changes so sold my shares. For instance, on my roth performance, my beginning balance says $15k, ending balance $18k. I thought that meant my accounts value was $18k and I'd be able to buy shares with $18k but only $15k is available. I sold just today.

I am in the process of purchasing a home in Ohio, just found out I have a total of 4 tax liens from 2014 totalling $20,000

I am a disabled senior on a limited budget. Is there any type of assistance that may be available to me to lessen this burden?

I've not received one notice of this tax lien in the mail. I only accidentally discovered it while finalizing this home purchase.

I am in the process of purchasing a home in Ohio, just found out I have a total of 4 tax liens from 2014 totalling $20,000

I am a disabled senior on a limited budget. Is there any type of assistance that may be available to me to lessen this burden?

I've not received one notice of this tax lien in the mail. I only accidentally discovered it while finalizing this home purchase.

Currently traditional IRA has $30,000 and roth IRA has $17,000 both with Charles Schwab

Let's assume I don't contribute anything more to either of these accounts for the next 20 years. Currently I have them parked 100% in VOO. Is there something better? Hypothetically (I know nobody can possibly know for sure), with the accounts I currently have, if I do no additional contributions to them for the next 20 years - how much wold the accounts have if I keep them both with VOO?

In the beginning of the application where it's validating my employer, it asks for my start date. I've technically worked at the PSLF eligible job for 2 years, averaging 20 hours per week. Starting next week, I'll start working 30 hours per week. Do I list the start date from two years ago, or the start date reflecting 30 hours/week, which would be next week's date?

I've been working at a PSLF eligible job for the past 2 years, however only working on average 20 hours per week so I am sure this time will not count.

Starting next week, I'll be working 30 hours per week. My payment due is $0 due to my income until February 2027.

Any pointers, tips advice for someone just starting the journey?

I owe 72k, live in Ohio. For any amount forgiven, am I responsible for any federal & state taxes?

For example, let's say I receive paychecks bi-weekly. I earn $639.63, with $63.96 contributed towards an employer sponsored Simple IRA. My take home pay is $501.63 after taxes (FICA, city, etc.). For Ohio Medicaid, MAGI, student loan repayment purposes, what amount must be factored into the $1,836 monthly income limit (for Medicaid) - the $639.63 or $501.63?

I apologize if this is common sense I just want to make sure I am reporting the correct amount to Medicaid.

I currently have Charles Schwab traditional & roth IRA's, and a Simple IRA (employer sponsored) Edward Jones Guided Solutions. I realize EJ fees are ridiculous. The problem is, I contribute a large percentage of my earned income through my employer for tax purposes as this helps lower my MAGI.

My question is this: would it be essentially the same thing if I contributed just 3% to get the employer match with Edward Jones & let the money from the job hit my bank account and then contribute to my Schwab traditional IRA? Or does this defeat the purpose of the IRA "loop hole" and the deduction must be made directly through my employer sponsored IRA without the earned income hitting my bank account?

The simple IRA is pre-tax. I plan on contributing a large portion of my monthly earnings to my account. I am reading that their fees are quite expensive. I have a Charles Schwab traditional & roth IRA's. How often could I transfer money from EJ over to CS (if this is even allowed)? Would that be useless as I would still be paying their (EJ) fees?

I have a set of loans from an associate degree from back in 2010, and then an additional set of loans taken out in 2024 for a bachelor's degree. All federal.

I am starting my PSLF journey. Are the loans combined together (currently I owe a combined $72k), or, do I need to work 10 years to get the loans from 2010 forgiven and then an additional 10 years for the later loans from 2024 forgiven for a total of 20 years (240 payments) to get the entire $72k forgiven?

I apologize if this is confusing..