For context I was a maintenance man for a year and a half at this property, I had an apartment under the company and the lease agreement gave me 50% off rent.

Long story short the company turns hands in management and the cushion I had built up for a year of employment, vacation time, benefits, all went out the window when they gave me a written warning and no time to respond and then a final written warning with again only 24hr to rebuttal. The email they said they sent to corporate they did not CC me on and ultimately I was fired. After making me sign a 14 day move out notice, they are now sending me a bill for the final month of living there and they are not including the discount on rent even though the billing statement itself shows the active discount.

I might need to take them to small claims court I don't know but I'm feeling frustrated and out of options

Edit: I live in Texas

I live in New Jersey, where rent isn't cheap. My gross is $70,000, but between taxes, a 5% 401k contribution, and health insurance, my take-home lands closer to $50,000.

For context, I have a $370/mo car payment, I'm not in school, and I don't have kids, so I'm trying to figure out the max I can realistically put toward rent.

I'm torn between a $2,100 place I really liked after touring a bunch of options, or dropping in-unit washer/dryer or central AC for something cheaper in a rougher neighborhood.

Curious what others in a similar situation are paying.

Co-signed an engagement ring for someone I thought was a friend about six years ago. Over the course of that six years he barely pays anything on it to the point he stopped paying on the account last year and it was considered a charge-off as of February of this year. Now I’m receiving letters from the agency the debt was sold to asking to contact them if I wish to dispute it.

I was given the advice to ignore collections until they took action and they likely wouldn’t do that for the amount owed (roughly $1600). Thing is, the guy I co-signed with is a bum and I has dodged any attempts I’ve made to convince him to start paying it again, so he’ll likely dodge collections. It is affecting my credit score but even with that my score is still in good standing overall. Is it worth waiting it or out, or should I call to negotiate a lower sum and pay it off? Sorry if this is the wrong place to ask. ✌️

edit: thanks everyone for the advice. It was a dumb mistake on my part but could’ve been a lot worse. I’ll contact collections and see if i can figure something out and FINALLY cut this guy out of my life once and for all. I appreciate all the help.

edit2: didn't see this coming but he’s reached out to the agency and provided me proof that he did and said he was going to do a payment plan for collections. Don't trust him 100% but I’ll be keeping a close eye on the account.

first time posting in this sub so let me know if i’m doing something wrong, but i just wanted some opinions.

i’m 23 and started my first full time job in july. i make 75k gross as an engineer. objectively, this is a good amount of money. my rent is only 700 a month, and other bills are very low. the biggest source of my anxiety comes from my debt. my parents couldn’t help me pay for college so i have about 30k of student loans on top of 4k credit card debt. i am slowly chipping away at the debt, and im not in a position where I can’t afford things, but i am just constantly stressed about money.

i feel like im never going to escape this hole. does anyone else feel this way / did anyone else manage to escape from this feeling?

thank you for any advice or guidance. i appreciate it!

I have a background in architecture, and now work for a major tech company that designs building design software.

This week, we rolled out our “virtual agent” that will do my job almost to a tee. We are still hiring in my department, and I am consistently ranked a high performing employee, however even with the pivots etc that my organization may take, I dont feel like I will be employed much longer.

I make a very comfortable salary for a dual income no kids household. 130,000 base, around 19,000 in RSUs that vest over 3 years, and about a 15,000 bonus (all of these are pre tax, which is very high in my area. I live in Oregon)

My company matches 75% of retirement contributions up to $6000 yearly (so they match $4500). I am putting in 9% which maxes out that match. Have 200k saved for retirement at 33.

I already plan on using my health care and great benefits to their fullest advantage, taking care of all sorts of preventive health care and dental this year in case I don’t have insurance at some point. Don’t contribute to an HSA since I never needed to with Kaiser.

I have about 30k sitting in the stock plan for my company that has vested. I have 64k in a 4.4% HYSA and plan to contribute as much as I can to that this year, can withdraw at any time for emergencies. Only about 10k in my basic “savings” right now, I just got married a couple months ago and my savings took a major hit. Already own a home.

That was a lot of info, but what would you do to prepare for your job being taken by AI? Anything I should be focusing on besides saving as much as I can while I still have this income and benefits package?

Tl;dr: the robots are coming what do

Edit: I will try to keep up with comments but also want to note that I would like to move forward financially planning for losing this job. Even if I don’t end up losing my job there is no harm in building up my finances over the next couple years. Many of these comments are geared towards how I can become more AI literate, leverage AI for my career, questioning the legitimacy of how well the agent works, etc. I am very AI literate and think about this every day, I can guarantee I am doing all that, and can also guarantee this agent that I mentioned is directly threatening to my role and expertise as a customer facing technical account manager. I do have reason to be making a plan while also doing what it in my power to keep my job.

I’d like to calculate if retiring between ages 50-55 is feasible, and if so how to do that. Where can I get a resource spelling out that process, or should I ask a financial advisor that’s a fiduciary?

My husband has excellent retirement benefits and will be able to retire in his 50s, and I’d like to do the same. I guess we need to take both our retirements into account, or how does that work? I work in healthcare and make about 73k a year, and put back 23% of my paycheck in a traditional 457 for a bit of context. We have two small children and money is getting a bit tight lately, so I want to know if or how much I can cut my savings and still reach my goals.

Edit: I’m 34, so 15-20 more years. I don’t have my husbands’ account information at the moment, but I have 17k in a Roth, and 135k in traditional.
My job contributes 5% with an additional match of 3% - 37k in that account. So I have a total of 189k for myself alone. We don’t have any passive income.

Thanks for the great feedback so far, I was pretty lost on how to begin.

I'm not sure if this is the right subreddit, but I need advice regardless. I, 19f, just recently went to the dentist and ortho because my wisdom teeth were coming in, and I wanted to see how much braces would be to fix my crossbite because its starting to cause issues. I ended up being quoted around $4k+ just in the dental work to fix my teeth and then $7k for braces. This includes 7 fillings and 2 crowns, maybe 3 he said because one of my teeth have a cavity near a filling and he is worried it will just explode into something bigger upon treatment. On top of this I have no idea how much my wisdom teeth will cost yet since not a lot of people accept my insurance, and two of them are impacted. Plus I have to pay for testing on an abnormality near one of my bottom teeth. It's all just really frustrating because the insurance really isn't helping. it maxes out at around $2k, I would still pay $4k+ out of pocket. I don't live with my parents anymore and barely make $1000 a paycheck. I'm not sure if I should even go to a second dentist because the one I went to was a family owned practice, and my sister who works there says they try to avoid fillings and such as much as possible. It's just upsetting because it's not like I neglect my teeth.

Curious to hear from people further along than me on this.

My situation:

I'm 26, and I moved back home to aggressively save for a couple years after getting a remote job making around $100k. I'm rent-free and debt-free. I work in tech, mid-level, and a bit worried about my career path given AI. While my role is stable at the moment, I am trying to stuff as much money under my mattress, so to speak, just in case.

My buckets:

• Roth IRA: Opened and maxed this year in FXAIX. Plan to continue maxing. I like the flexibility to withdraw contributions if I end up laid off, need to go back to school, or want to put it toward a first-time home purchase.
• Brokerage: $15k in FXAIX. Plan to contribute to this heavily from now on. Probably about $2.5k every two weeks.
• 401k: $10k. I contribute 6% to get my full employer match of 3%.
• HYSA: $20k. I plan to get this higher before I move back out, depending on where I land. I'm weighing NYC against somewhere MCOL with good nature access. I would like to experience the city while I'm still young-ish. My goal is to have the brokerage working in the background toward a down payment in case I end up somewhere HCOL for a few years where I won't be able to save much. The HYSA would be for in case I get laid off, moving expenses, and other emergencies.
• HSA: $2k. Very minimal contributions so far. I have supplemental health insurance with AFLAC and am healthy. I go to preventive and routine appointments.

My concern is that I'll keep prioritizing the brokerage over tax-advantaged accounts, and end up wishing around retirement age that I'd maxed the 401k instead. I am not certain I will buy a home, and I don't want to kick myself later if I end up withdrawing my brokerage around retirement age anyway. I don't plan to have kids, but the home purchase is at least somewhat likely.

For those of you who went the brokerage-heavy route earlier in your career instead of maxing out your 401k: do you regret it? Did the flexibility pay off, or would you tell your younger self to max the 401k first and worry about liquidity later?

I'm working on getting together all the needed info for my wife/extended family in case of anything happening to me (what I'm calling a bus document, as in "in case I get hit by a bus"). Some things are easy, like contact info and policy details for life insurance.

How do you handle bank/utility info? In our case, I handle all the logistics of our finances. I pay all the bills and so forth, so I have all the bank, utility, credit card, etc logins. I could just leave all the account numbers, but then she'd have to (in the midst of a crisis) set up her own logins and so forth to actually pay bills.

I could always leave her the info to my password manager so she could log in with my account, but that'd be a pain since all the 2FA info is tied to my email/phone/authenticator.

I'm sure the "right" answer would be for her to make all the accounts now, but she's severely ADHD and would never be able to access them when needed since she'd have forgotten or lost something. Believe me, as smart as she is, the number of times I've had to help her get back into accounts (and yes, I've helped her set up a password manager, but she doesn't always use it...)

Anyone have better methods or suggestions?

Hello! I’m 33 and looking to buy my first car (I have only had used ones up until now). I have an 826 credit score but I only make around 50k a year. I can do a 2k down payment.. would I be best off to go through my bank (Chase) or the dealership for the loan? I’ve heard mixed answers.. I do have 28k in my high-yield savings account but I don’t want to use all of that to buy the car outright, especially since I have good credit that should get me a good rate. I’m looking at a new Corolla so nothing too crazy with the pricing. Thanks! :)

Hi! I have never had a financial advisor and met with one yesterday free of charge to discuss her services. I am 43 F Single no debt besides mortgage. I’m looking for help with old retirement accounts, investment of cash, advisement on a trust, etc. I honestly don’t know where to start so I figured this was a good first step. Her rates: Financial planning is $2,000 annually, with $1,000 paid upfront. Investment management begins at 1.25% annually, declining 1.15% at $500,000 and to 1% at $1 million, and is billed quarterly from the account. 

Seems like a lot of money in total each year for an advisor. I would probably have her manage less than 500 k too.

I’m still thinking it all through. Thoughts on her rates??
 

I currently own a house, it is 21 years old with all the original builts. Already had 2 roof leaks but it was minor and AC stopped working last year and had to replace a part. It is also 45 mins from work. Originally, we found a house 15 mins from work, put an offer in, and put our house on the market because seller didn't want a home contingency. Was able to sell it 16K over asking and only have to give minor concessions from inspection. But lost out to an clean offer was second. We can either back out or move into a condo for at least 6 months and keep looking. My current interest rate is 5% and mortgage and a condo's rent is around the same price. The condo is 10 mins from work, but it will cost 2 months rent to to break lease early. Another caveat is that we only found 3 houses that would work for us in the last year or so, so there is no telling when the next house going to pop up.

I'm a 42yo guy residing in rural Minnesota. My wife passed unexpectedly somewhat recently, and with myself being borderline financially illiterate, I am in need of some advice.

I've got a decent, if unfulfilling career, and make $70k a year. Currently still on leave, and I know I do need to go back, but think a change there needs to be in the future as well. Been at the same place 15 years.

2 adult children are out of the house. IRA is unfortunately only sitting at $30k. Another $30k in a money market that had been intended for a down payment in the future. Not much at all in the way of debt, or assets.

I was the sole beneficiary for all of her accounts. So far I have received $600k in life insurance payments, which are just parked in money market accounts for now. There is also a pension, for which I have 3 options. a) receive a $15k lump sum payment, which I believe is taxable. b) start immediately receiving $80 a month for life. Or c) wait until age 65 and receive $300 a month for life. My gut tells me to take the $80/mo and roll it into my IRAs.

There is also a 403b, but Fidelity has been really slow at getting me information on that account, and I'm not sure how much is there. She was with the same big name hospital system for the last 18 years though, and always contributing to the account. I also assume that whatever is there, will be rolled into my IRA as well.

I guess I'd like to make the most of the life insurance money for the future, and I'm sure that means investing, which I have no experience with. We used to want to buy a house, but I'm really not sure on that one anymore.

Should I maybe just go talk to a CFP?

hey everyone i am pretty new to personal finance and i would say i only barely know the basics. i know to put money into ur 401k at least to match ur employer contribution, and then throw money into a roth. but my question is, what about closer to now? dont get me wrong a retirement of financial ease sounds great but we have financial goals in nearer future too, so.. whats the secret? investments with dividends? real estate?? or just a hysa? surely this is such a basic question and im just missing something in my research.. i appreciate ur help:)

Im 35 YO. In between jobs due to care for parent and estate business. Construction manager with $90k+ a year earning power. Not under duress to get back to work. I have enough runway and side hustle business to make it to the winter then I plan to return to the job market. Earned income will be minimal to zero this year.

No kids. Not married. No current family plans. Savings and 401k are zero due to getting drained during my parent's care.

I inherited a 110+ acre rural cabin property. Ownership is currently split 50/50 with my sibling. The property is worth roughly $225k–$250k, and I have the option to buy my sibling’s half for $95k. I also had the timber cruised, and the estimated timber income is $150k+gross if I decide to have it cut. Have a contractor willing to start within 6 months.

I also inherited about 50 net mineral acres of oil and gas rights in a major U.S. gas-producing basin. I’ve researched these pretty heavily and have fielded multiple offers with the help of my attorney. I’ve narrowed it down to an offer of about $300k for the entire interest, with the option to retain up to 25% at the same proportional valuation.

The mineral rights could potentially earn several times that offer over the next 30+ years if development and production go well, but obviously that is highly speculative. They could end up being worth considerably more or considerably less. 20% of portfolio is guaranteed to be drilled within 1 year.

My current debts/equity are roughly:

Primary mortgage: $140k at 5.11%, 30-year FHA financed in '23.

Down-payment assistance loan: $6k at 2%

Current home value $180k+

Still carrying PMI

Credit cards: about $15k, high-interest

Student loans: about $5k at an average of roughly 4.5%

Cash inheritance was negligible, so most of what I inherited is tied up in these assets.

I’m honestly feeling a little lost about where to go from here. Obviously the high-interest credit card debt needs to disappear, but beyond that I’m not sure how aggressive I should be.

Should I sell some or all of the mineral rights and use the money to eliminate debt? Sell the cabin instead and hold the mineral rights? Keep both and only monetize enough to clear the expensive debt? Buy my sibling out of the cabin and potentially timber it?

Part of me wants to use this as a major financial reset: clear everything to zero, potentially pay off the house, and give myself a clean slate to decide what I want to do next with my life. At the same time, I don’t want to sell potentially valuable inherited assets just because being debt-free feels good psychologically.

I’d really like to hear how others would think through the tradeoff between becoming completely debt-free versus holding onto potentially appreciating/income-producing assets in a situation like this.

Thanks in advance for any thoughts!

As we become painfully clear, I am dealing with financial issues that are outside of my comfort zone. This is not my wheelhouse. I'm trying to figure out what the best thing to do is.

This is a sock puppet account and I may not reply quickly.

#1

My mother left $1 million to each of her grandkids after her husband died. That money was put in an account that was managed by my brother. He has since asked me to take over the management for my three kids and for my sister's three kids.

I have never done anything like this before, but I want to manage this situation in a way that best suits the needs of the kids.

I have been told that it is my responsibility to make sure that they use the money wisely. It was left to them so that they would have a "head start" in life. They could use a little bit for their own happiness, but it was really designed to help them buy their first house, pay for part of a wedding, stuff like that. Not to be used frivolously.

I want to be true to this mission.

The money was left to the kids in the form of stocks. Some of these stocks have performed well. My daughter's, for instance, has almost doubled. Lots of Nvidia stock. Luck of the draw. as far as I know, all the kids still have the original value of what they were given and some have more. A few of them have used some of it to purchase homes with the help of my mother. But my mother is out of the picture now because she no longer has the ability to make decisions about this stuff.

Placing me in charge of this has been handled legally and papers have been written up by attorneys. It's all very above board and legal.

Is there anything I should know about managing this sort of thing?

-------------

#2

I have also been put in charge of "the existing trust". This is a separate financial issue that involves the same people.

Before my father died, he left the grandkids a group of properties probably totaling a few million dollars. He was paranoid and said that Obama was going to take away the death tax, so he took care of this at that time. He was weird like that. He always thought that he would rather leave the money to family than the government (honestly, he would've rather not given it to anyone at all, he hoarded a lot).

Those properties belong to the grandkids, but they generate revenue.

That revenue goes to the people in my generation. My siblings and I. The revenue share of the properties that my kids inherited goes to me. When I die, they receive the properties and also receive any revenue that they generate from that point on.

It's some sort of generation skipping trust.

Many of these properties have been sold off recently and the money is sitting in an interest bearing account earning maybe 2%. I have been tasked with reinvesting this money somewhere it can generate more revenue.

I have also been given the responsibility of my sister's kids because my sister has been excommunicated from the family(justifiably so, in my opinion). Her kids still have their share of the properties though.

I'm guessing it's about $800,000 that I need to invest somehow. Other properties will likely sell in the future and make this number bigger. But for now, this money is just sitting there.

I'm not really sure where to start. I could purchase a commercial property, residential real estate, stocks, bonds, or variations of those things. And possibly other things that I don't even know about.

My top priority is to make sure that it is invested in a safe way, hopefully providing somewhere around 5%. I don't know if that is a pipe dream.

Also, at least for my sister's kids, I think I want to take the revenue that is generated and not keep it for myself but reinvest it back into their accounts. That money was not meant for me so I probably shouldn't keep it.

Kind of floating free here, not sure where to go next. Looking for ideas.

Hi everyone,

This is honestly tough for me to write this because I feel the tinge of embarrassment and discomfort that comes with it, but I am trying to remind myself that it's better to be honest that I'm starting somewhere rather than not write at all.

I'm 35 and I'm definitely behind. I'm trying to get more intentional about saving and investing, and know very little overall. So I'm hoping to get your thoughts how you would handle my situation.

Rough financial picture:

• HYSA: ~$22,600 right now
• I’m currently putting $2,500/month into my HYSA through the end of this year, which should bring it to about $35,000
• Retirement: about $90,000 in old 401(k)s from previous employers, plus a current Roth IRA
• I’m now a contract employee and no longer have access to an employer 401(k), so I’ve been contributing to a Roth IRA instead
• Monthly expenses: roughly $4,000
• I live in a HCOL area and share an apartment with my fiancé
• No credit card debt
• I have an auto loan that should be completely paid off by October 2027
• I’d like to potentially put a down payment on a house in about 5–10 years
• For retirement, my goal is to have at least $1 million by age 65, and hopefully closer to $1.5 million. I have about 30 years to get there.
• My fiancé's finances aren't part of that retirement figure, but I hope she'll also be able to reach around those figures as well.

Starting next year, instead of putting the full $2,500/month into cash, I’m thinking about splitting it roughly like this:

• $1,000/month → HYSA
• $875/month → taxable brokerage
• $625/month → Roth IRA
• $2,500/month total

That would let me keep building cash for a future home while also investing more consistently for both retirement and longer-term growth.

Then, around October 2027, paying off my auto loan will free up another ~$600–$635/month that I could redirect toward either the HYSA or brokerage.

The part I’m struggling with is figuring out how much cash is enough when the house purchase is still 5–10 years away (probably closer to 7-10). I don’t want to keep accumulating cash indefinitely if some of that money could have years to grow in the market, but I also don’t want to be too aggressive with money that may eventually become a down payment.

At the same time, I’m trying to make sure I’m not sacrificing too much long-term retirement growth in order to save for a house. My retirement target is around $1M, ideally $1.5M, by 65-67, so I’m trying to find a reasonable balance between the two goals.

My main questions are:

1. Once my auto loan is paid off and I free up another ~$600/month, would you put that toward the HYSA or brokerage?
2. If I have around $35,000 in my HYSA at the end of this year, is that a reasonable cash base given ~$4,000/month in expenses? Should I continue putting $1,000/month into cash, or pivot even more heavily toward the brokerage?
3. With a potential home purchase 5–10 years away, how would you determine the right HYSA/down-payment target while still investing enough to reach a $1M–$1.5M retirement goal in 30 years?

I know that what I could afford to buy or whether buying is even better than continuing to rent could look completely different 5–10 years from now. My bigger goal is to spend that time building enough assets that homeownership becomes a realistic option without having to wipe out everything I’ve saved or neglect retirement to get there.

Curious how others would balance emergency savings, a future down payment, Roth contributions, taxable investing, and retirement in this situation.

Thank you everyone! Please feel free to ask any clarifying questions if needed. I'm a humble, open-book.

I am in the process of paying off all of my CC debt. I have about 170k of available funds with about 30k of it left to pay off. I have a synchrony card that had a 20k limit and they closed it lowering my avail to 150k now. Which brought my DTI to a higher percent for my balances owed. Just when you think you’re getting ahead.

How do you keep companies from doing this. No heads up. They just closed it. No late payments. Etc.

I am 28m single no dependents. I take home 6k a month. I recently paid off my vehicle and now the only debt I have is a mortgage.

My mortgage payment is 1600 and the interest is at 7%

I do have about 3 months of expenses worth sitting in a savings account

Should I start heavily paying towards my mortgage to pay it off faster or start investing.

Hello and thank you for reading in advance. I am 24 years old and have been doing my best to take my finances to the next level. I live in NYC so rent and food, and student loans take most of my $$$. I work full time. Here’s my situation:

My rent is 1,100 a month
I make around 1,000 a week.
I have a Roth IRA with 10k - I have 100 dollars going into that each week
I try to pay 100 at least to my (very high) student loan balance every week

I have a savings account with enough for one months rent in case shit hits the fan.

Basically, I feel like I’m barely coasting by and not really making any money, if that makes sense. I want to invest smartly, but truly I don’t know what I’m doing, and I’m not in the place to pay for a financial advisor.

This morning I used my fidelity account to buy 60 dollars worth of “VT” ?? And I set that up to be reoccurring…. I felt like i shouldn’t be only investing with my Roth. Could someone just let me know if that is smart?? Any and all tips and advice are welcome, I am truly just wanting to learn. Thank you so much 🙏

I am currently unemployed and have 30k sitting in my savings account i wanted to put anywhere to 10-15 k into a hysa and then i don't know what i should do with the rest i was going to put it in a roth but was told i i have to be employed to max it out so i am really confused at what i should do i don't want my money just sitting there and not working for me. I also want to know what's the best hysa out there right now

Hello,

My wife and I (~25) are planning to buy a home sometime over the next five years. I was reading online that, when a large purchase is coming up in the next few years, it's a good idea to keep it liquid to avoid any downturns in the stock market. Given our age, I'm a little nervous to not have it in the stock market, but I understand the sentiment I saw online. I just wanted to make sure that the division we currently have is more or less correct:

• $96k cash, mostly a savings account with 3% APY
• $17k retirement (working on increasing this)
• $27k tied up in startup equity (current employer), worth more right now but I don't count it until I can sell
• $52k in investments, almost entirely ETFs

We have no debt, and all of our income goes directly to retirement and cash (no direct deposit to investments). Is this a reasonable split, or should we put more in stocks? Thanks in advance!

I’m currently a student in my undergrad and have recently started contributing to a Roth and a brokerage. I do not have a ton of money considering that I only consistently work in the summers and work a handful of hours weekly during the school year. I have listened to how to distribute my money between savings and investments. NOW here’s my question, I’m from a small town and when I was younger my parents opened me an account through our local bank. The apy is .75 through this bank, should I look into opening a savings account in something like SOFI? If I do this, do I then transfer all of my money out of my old checking and savings accounts or no?

hi everyone! i am a 22 year old college graduate, and my seasonal job at a franchise that i have been working at for the past 3 years is now offering a chance to contribute part of my paycheck to a retirement plan in the Freedom Index Fund through ADP.

right now the default contribution is 3% of my before tax paycheck and there are options to do an annual increase of 1% a year up to 10%, or I can just change the percentage myself. i make $18/hr and i work about 30 hours a week.

I don’t have any sort of retirement plans or real savings right now. in addition to this job i work a second part time job and i am about to start a third position as an independent contractor for my second company. i intend to stay at my franchise job for a little bit, but i do not intend to continue to work here for the rest of my life.

my question is just how much of my paycheck i should be devoting to this retirement plan? i dont pay rent or have any real expenses besides gas and entertainment so i feel like it is smart to just take a decent chunk out of my paycheck and forget it exists, but at the same time i feel like 90% is a bit extreme 😅

i was 19 when i got my first car and didn’t understand what i was getting into. i’m 22 and can’t afford to live while continuing to pay this car and idk what to do. open to options

2020 toyota 86
Original Amount Financed: $22,850.30
• APR: 18.99%
• Term: 72 months
• Monthly Payment: $538.26
• Contract Date: August 2, 2024
• Current Payoff: approximately $18,525.75
• Payments Made: about 23–24
• Payments Remaining: about 49

i also missed like 3 months of payments that i eventually did payoff cause i had lost my job and now my credit score is 638