u/flickerflies

Turning 26 and selecting healthcare options. Employer pays 100% of premiums which works out to be $1k/mo or $3.5k/mo for a family. $0 deductible and covers everything except some very minor copays.

Feeling the golden handcuffs because how the heck do you give up free quality health insurance especially with dependents? Health insurance costs aside we are on track to hit FIRE when I turn 32. I took a browse through the marketplace and it seems like all crappier options at insane prices.

Went on a buying spree on depop (30+ purchases this week), yay free shipping. Have received 1/3 of my purchases and the following issues:

#1 a brand new with tags item came with no tags. I did not open a depop case, resold (didn’t fit me) and took a loss. All good, figured it was a fluke and took the higher road.

#2 a seller mixed up an order and shipped the wrong item. I got a more valuable item, but still took the higher road, opened a depop case, and sent it back.

#3 a seller sent me a damaged item (that was labeled as brand new). Depop immediately sided with me and I paid for shipping to send back.

#4 a seller sent me a hoodie missing the zipper. Was labeled as brand new. At this point should I not open a case and just eat the loss and throw it out? It feels like every other item there’s something wrong. She had a bunch of 5 star reviews too. I don’t want to get banned. What is going on, is this normal?

Late 20s. Bought a house with my fiance a few months ago. I put ~550k of my money in, he put in $0. It was supposed to just be me on the title/loan, but in the bidding war it looked like I wasn’t going to be approved for the amount of the house without him (even though I could afford it).

I am paying the mortgage/insurance/property taxes. He contributes $0 and makes much less than me. I thought no biggie, we are getting married this fall and one unit.

The week we closed we had a big fight about moving strategy and he acted like I’ve never seen before. Using this scary tone and fu attitude. He’s this sweet, calm man who never argues. We made up afterwards and I “joked” with him that I thought I just ruined my life because he seemed like a sociopath in that moment.

Just had another “fight” today. He was giving our dog a trim and making a mess (on the fancy brand new couch). I get overwhelmed by the commotion and asked him to do it elsewhere, but obviously that didn’t happen. An hour later, he’s vacuuming the mess and I finally have enough and say ok ok, let’s do this later. He stop briefly, then smiles manically at me, points the vacuum head at me, and turns it back on, but this time in my face. I freaked out and say that was evil wtf. He says it’s just a joke and normal. Immediate pit on my stomach.

Anyways, did I screw up my life? Ever since we bought the house together, he’s acted off. There’s been other things. I even confided in family (who work in medicine) asking if he should get bloodwork in case he had a tumor or something making him act aggressive recently. We’ve been together for 4 yrs, never had an issue before. My assets are significantly more than his. I shouldn’t get married right? Or am I taking this way out of proportion? Is there ever a “perfect” relationship?

Each time something happens that seems “off”, he acts so wonderful - like himself - shortly afterwards. Everyone in my circle adores him, very charismatic/smart/social/kind/attractive. I’ve told him that I’m scared of what’s going on and confused. He apologizes and then it happens again.

The apartment competition is insane, feels like I’m back in 2018/2019. Half a block people lined up for an apartment in Cole Valley.

We aggressively tried to find a 1bedroom apt in NoPa/Cole Valley/Duboce Triangle (to upgrade from a tiny studio) and gave up after 6 months. There’s no way we would’ve won any of the bidding wars/competition with a dog much less a car (Kezar parking lot has a 3 year waiting list). Ended up dumping all our life savings for a small condo to stay in our neighborhood and living on the edge house poor. AI really is ruining the city’s affordability :(

Purchased my second Brooklyn Bedding signature hybrid mattress with cloud pillow top. This one feels awful in comparison to the one I bought 3 years ago: the quilting is different and my back hurts laying down after a few minutes. What happened? Has anyone else noticed a quality difference? Feels worse than a Casper mattress from Costco which is half the price.

Closed two weeks ago. Received deed in mail for the property I bought with a completely wrong name that is not mine (not a misspelling). None of the paperwork at any point had this name.

Title company did not apologize, shifted away blame, and said they don’t know what happened. They sent another notary, and filed a corrective deed, which was rejected by the county (apparently it needed more verbiage?).

It’s been silent since for two days. How worried do I need to be? I did pay for title insurance and went with my realtor’s title company. Now I’m wondering if I should have gone with the most well known title company in SF that I have connections with (my company owns them) rather than my realtor’s title company.

This just feels insane to me. My name is not on the title of the property I just paid millions for, wtf. How could I have prevented this if I don’t receive the deed until after closing?

I’ve been trying to initiate a return with Thuma customer service, and sent follow up emails every day. The first email they responded immediately saying they would set up the return. Since then it’s no response, it’s a ghost over there. There’s only one email and no phone number. I just sent another email (the 5th follow up) saying I would do a chargeback if they don’t respond.

Very frustrating. I’ve only heard good things about Thuma through marketing/paid influencer reviews. Checked out the better business bureau and the reviews are pretty horrific when it comes to customer service. Just a warning! Wish I saw this before placing an order.

Just closed a week ago. Received the grant deed in the mail today. Deed has my name and then my fiancé’s last name, but a completely different first name. Not even a misspelling, like a completely random name.

All loan docs, offer agreement, signed vesting instructions to title company, etc have the correct name. This is the first time I’m seeing this wrong name. Freaking out. I’ve already reached out to title company, waiting to hear back. Am I going to have to get a lawyer to remove this name? Title is held as joint tenants.

We went with a reputable escrow/title company that my realtor’s team works with on every transaction. Apparently this is the first time this issue has happened, my luck :/