u/Nice_Locksmith_8990

This post was declined in the Facebook group where this keeps happening, which feels like a misstep on the admins' part where they could have allowed a dialogue to call out poor pin trading behavior. I've been ghosted on several trades in progress the past week. People are reading my messages and just not replying, even though pins have been chosen from both sides and next step would have been shipping. I want to give people benefit of the doubt, but it feels so inconsiderate to not send a courtesy message of "I've changed my mind" after a consistent back-and-forth conversation. Especially when I'm trading you the ISO you posted...that makes absolutely no sense. At this point it feels like in-person events are the way to go. Appreciate this space for letting me get it off my chest!

This is my first time posting, so I hope I'm in the right place.

I recently received a small settlement (~$20,000). I want to make the most of this money and thought this community could be helpful. I'm not the best with money and I'm embarrassed to share the following but I do want the help.

1. I have a personal loan with $9,000 remaining and a $387 monthly payment.

2. I have two balances transfers, both at 0% interest, with a $150 and $250 monthly payment and $1350 and $3900 left, respectively. I'm on track to pay both before the promo period ends.

3. I have a Roth IRA that I have not been able to pay into this year yet.

4. I have a 4% APY checking account.

Ideally the perfect scenario would be a balance of addressing some of my debt while also saving/investing. Thank you for any and all advice!