Recent content by claudefergus

I'm considering a career change that doesn't involve school. I am pretty tired of relying on two inconsistent incomes, not to mention benefits. Still a work in progress.

This is something that I need to learn more about for my situation. The vast majority of the time neither me or my wife has access to employer 401k. So the baskets we'll be investing in will have to be 100% from our own after tax take home money. We are in the 22% tax bracket filing jointly...

To clarify the wife/tax/emergency fund situation: Our current emergency fund is mostly comprised of her money. We only had a couple months of expenses while we've been paying down debt. She has put padding in there during her current freelance job (which ends in March) because she did...

I can't believe how much time and effort you all put in to not only welcoming me here but giving me hope and encouragement and actionable advice. Thank you all so much. I have definitely found the right place

Hi everyone. I went through several brushes with completely losing everything (this involved cashing out previous retirement money for a family medical emergency and narrowly avoiding bankruptcy). I'm now 34 years old, married, and life is stable again. Both my wife and I freelance, but I am...