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u/owoeowiw ▲ 153 upvotes 11 comments

It's wonderful to run across good hearted people. The dentist I've gone to for about 18 years spends one day a month just doing dentist for the homeless. I called on the day they were doing it and they asked if I could call back, super nice office manager and when we chatted the next day I was in she explained that's what he does. 1 full day a month, X-rays, cavities filled, extractions. And giving out the tooth brush and tooth paste kits.

In-network dentists booked 2-3 months out pushed this couple toward a $122 extraction instead of a $340 filling, until the dentist discounted the filling to the same $122 for a review. Insurance access decides whether a tooth gets saved.

u/Responsible_Range_50 ▲ 100 upvotes 114 comments

If you had $300k today would you put it all in Netflix? The answer to that is likely no. You could always keep a smaller position.

An inherited $300,000 single-stock position comes with a stepped-up basis, meaning selling right after the crash costs little in tax but feels impossible emotionally. The thread's answer: the loss already happened, so the only real question is where the money sits from here.

u/nBreathableAir ▲ 237 upvotes 23 comments

Someone at the bank might have just quit and this was what they did on their last day. Ask me how I know......

An unrequested $200 overdraft refund usually means a bank audit found the fee program out of compliance. Check your own statements for reversals, and leave the money untouched until it clears for good.

u/AgentGrouchy682 ▲ 106 upvotes 206 comments

I guess this will be an unpopular opinion, but money is a means to an end. Live the life you want to live. If you can afford the new mortgage payment in the better school district, I would do it. You said “toddler” so I assume you have a little time before your oldest starts school - watch the rates and the market, and jump when you’re ready. You’re likely going to be in your next home for 5-10+ years, so you’re going to see appreciation regardless. Refinance as needed.

A 3.125% mortgage is the cheapest money this family will ever hold, and 206 comments are split on whether a better school district is worth trading it away. The lock-in effect is why inventory stays frozen while families quietly stay put.

u/Defiant-Path-3289 ▲ 194 upvotes 10 comments

Cozy! You can stretch it further and make your mom happy but adding a small bag of frozen vegetables to the mix.

A $2.50 can of soup plus leftovers became dinner and the next day's lunch, and 194 upvotes say that pantry math is where grocery budgets actually get fixed. The cheapest cost cut is the food already in your kitchen.

u/BootyJuiceJr ▲ 138 upvotes 210 comments

THIS IS NOT HARD. Meet the buyer at your bank. Have him go to the teller with you and be honest that you are selling the car and this is the proceeds from it. Deposit the money and ask them to verify it (obviously they will anyway). When the bank teller has accepted the deposit, sign the title and tell the buyer to enjoy the car. Make sure you keep your half of the title or whatever if it works that way in your state. If your bank is closed on the weekend, do it on Monday or Friday.

The $10,000 currency transaction report is routine paperwork, and 210 commenters agree the real risk in a $48,000 cash car sale is counterfeit bills. Do the handoff inside the bank, let the teller verify the cash, then sign the title.

u/MysteriousSecretGuru ▲ 409 upvotes 11 comments

You are a true success story! Know that you are doing what you need to do for you and your cat. I commend you for that. Keep on keeping on as things ARE getting better for you. Nothing is too good to be true.

One first visit to a food pantry yielded more than 100 items, from meat to hygiene products to pet food, plus free insulation kits and bulbs from the local utility. Anyone stretched thin is likely eligible for safety-net resources that pride keeps them from claiming.

u/Agitated-Contest-152 ▲ 157 upvotes 11 comments

You owe it, but I would still try to negotiate a 3-6 month repayment agreement with them (or whatever works for you and is reasonable for them).

A glitch that quietly skipped a $65 monthly parking fee turned into a $325 lump sum five months later, and the thread's verdict is that the money was never the tenant's to keep. When a recurring charge vanishes, set the cash aside, then ask for installments when the bill catches up.

u/Legal_Boot8452 ▲ 140 upvotes 245 comments

Yeah i hear of similar stories where the income is just high enough where FAFSA doesn't kick in that well, but not enough to cover university. On the condition that you study hard, I would recommend you to consider community college. Take general education courses and then try transferring to the university that you like after 2 years or so. If possible, work with your community college advisor to work out a plan for this.

A $145,000 household income can wipe out need-based aid while still leaving a $40,000 tuition bill unfunded, and 245 comments land on the same answer: community college first, then transfer. The sticker price of a school matters far more than the aid letter attached to it.