That is basically what I’ve said. That’s why the CCs will accept lower amounts will a smile and leave your credit clear.

It can. When you’re talking with the CCs, offer a few bucks more to get a clean payoff if needed. This isn’t guaranteed to save you money or not hurt your credit, but it could work.

I wouldn’t call this a great idea but if you’re swimming in debt you don’t have much to lose.

This will probably get down voted but it will probably work.

Stop making payments on the cards, post minimum on anything small you owe. Your income is good I guess, not sure if it’s SF good though.

After a couple months of taking the payment money out of checking as cash, call the cards and say you can’t afford them, considering bankruptcy but want to pay your bills. Most of them have a department just for you. They can delete the interest and fees and agree on a payment schedule so you pay off the debt by paying maybe 40% of the loan. With your balances I doubt you’d have much trouble getting on these programs.

Once they all agree and you have v everything in writing, deposit the cash you saved and pay off all the smaller loans then pay the 2-5 years of bills, whatever you agreed to until your debt free.

They companies that offer debt relief use a version of this program and charge you a lot of money.

I’m a retired engineer, started working in 1989. I spent 5+ years at my first job before they offered money to quit. I started my service job after about 6 months I used as a vacation with a promotion and a 40% raise. 3 years later I started at my last job, they wanted engineers to start so the raises matched salary increases of new hires. I retired on disability in 07, I maxed out the disability insurance with my January raise, retired in March.

A friend started at our first job. He was making half my salary when I retired even though he was making 30% more when I quit.

I think some companies are like my last one, posting the replacement cost to employees, this is great for “skilled” employees. It’s horrible for the unskilled staff. The cleaning crew didn’t turn over much until the third round of pay cuts. They found the minimum required to get people to accept the job. I guess that’s capitalism but I didn’t like it.

You feel good when investments go up, bad when they drop. That’s a typical response, you’re doing well, you’re young and have a nice nest egg started, you entered your first recession. When the recession is over stocks go up per quick, like housing after it rebounded.

I’d research/talk to advisors/look at funds with your risk level maybe and make more than 3% on your money. Of course leave some for actual emergencies, but if your job is stable, $100k is high IMO.

I know larger efunds are popular here. If you prefer that, that’s your choice. I’m a higher risk taker so keep smaller efund.

First are you in the US? Second are you retired from a job and just working as a second career or paid hobby? Basically can you earn money while retired? I’m on disability so I can’t but I can own a company which pays me dividends. So I get a yearly dividend plus a small monthly income which I put on an IRA. If I could earn money it would d nice.

Best wishes.

The catalytic converter was added for smog control. They are costly bc they have platinum in them which is used up somehow in a year or two. After that it’s just a pipe essentially. They work with the muffler to keep your car quieter. If your car isn’t loud, I’d be cheap on the repairs.

I was offered $23k for a 2010 Accord with 120,000 miles recently. I paid $5k for it so I was tempted but I like the car. I got it in 2016, it started life as a 5 year lease and they went over the mileage by 30,000+ so they paid a fortune when turning it in. After 4 trips through the auction house I bought it. I expected Engine issues, turns out it was just Honda’s favorite color that year and mine had high miles so the top tier car ships couldn’t sell it. At $5,000, best car I’ve bought!

Your car will run, potentially more efficiently with a failed catalytic converter. As long as the piping isn’t leaking, I’d ignore the issue.

CCs are only “effective” for a few years before they just are a piece of metal causing your mileage to decrease. If a mechanic said you need a new one, find a different mechanic unless it’s required in your state. If it’s required by your state (California for example), good luck.

I think there’s a sub on here that aligns borrowers and lenders. I would look for it and try to get private financing. Based on the statement I don’t care “, I’m guessing you could find a lender that will loan you a couple grand but the interest won’t be cheap.