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Hey ERD50, Here is a snapshot of our Debts and Assets. My wife brings in about $50K a year and I bring in $64K a year (with part time job that I may need to let go once in school part time) $55K a year after PT job loss (all of these figures are before taxes) Do you think I should count my...

Thank you! Unfortuanly, there are a lot of cash grab operations in this field. Most notably, fill out this paper work on this client and the organization gets paid by the government. Without providing real help to those in need. Another reason for me to obtain FIRE is so I can focus a part of...

After looking at all the great questions the community has had for me I'm definitely recognizing a lot of my blind spots. I may clear up some confusion if I pop something simple on a spread sheet rather than explaining in text. I will be sure to include my and my wifes assets and debts. Thank...

Thank you for your response. I did forget to leave out a few details that may have been important. I purchased the house with my wife who splits the mortgage and utilities with me. The investment account is mine and the savings is shared with my wife. For my retirement I have ran a...

Thank you for your response! My car loan has a 2.6% rate @ $19,000 vs. Student Debt of $10,000 @ 4.75. Would you still prioritize the car? I plan on being part time online during my program for my Masters of Social Work. I have to get approved for the program first to see if my employer will...

Hello Bamaman, Thank you for your response! My masters will be in Social Work to be a Licensed Therapist. For that profession there are many programs and certificates but, they will not allow you to be a Licensed Therapist. I could become a counselor with certificates though I have not looked...

Hi Gumby, Thank you for your thoughts and insights. It seems you may have gone through something similar. For my masters I will be pursuing my Masters Of Social Work and plan on becoming a Licensed Therapist. During my masters degree I will still have my full time job. I do currently have a...

Hello target2019, thank you for your response! I missed out on putting some things in my initial post :facepalm:. I split my mortgage with my wife. We pay about $850 a person (including escrow). I have been debating about trading my car in especially since it is positive equity and getting a...

Hello! Thank you for your response, I truly appreciate your time. I apologize for missing some details in my first post. I split my mortgage with my wife, though it is still almost 3 times my salary. I have been considering trading in my car as it has positive equity right now. I suppose I could...

****EDIT**** Sorry all. I thought I had placed it in the first post but, I split my mortgage with my wife. This may make a difference. Also, I will be pursuing my Masters of Social Work. Average salary where I live is around $70,000. For the first two years after graduation though I will...

Hello everyone, I'm very excited to be apart of this community. I am looking to get some advice on some debts and if I am on track or not. I can mess around with financial calculators all day but, I'm looking for some advice and I am here to learn. Just finished reading "Your money or your...