There seems to be a lot of anecdotal evidence being thrown around like “my wife drank like a fish right before we found out she was pregnant and my kid’s fine.”

It’s clear you have no idea what you’re talking about. Go to school, take some classes, then try again.

Oh, so you have a financial degree? Yeah, that does boggle my mind.

Really? A hard pull is attempting to use someone else’s credit? You should probably notify FICO that they’re doing it wrong, since, you know... banks and other lending institutions use hard pulls to determine MY creditworthiness.

Yes, I understand that. But, I still don’t think it’s logical to penalize someone for having credit checks. That’s penalizing someone who is trying to use their credit. If your score is over 750, it should be assumed that, if you’re getting multiple checks, you’re probably doing something productive with your credit.…

Really? So, when my wife and I bought a car and a house, and opened a credit card to get a discount on some furniture, all within a month, we were stupid? Even though every one of those expenses composed no more than 25% of our total income?

If my income easily covers my debt, why should my score drop? That’s literally being punished for using credit. That doesn’t sound stupid to you?

Oh, I’m aware. Guess which one they do when you’re applying for anything substantial (house, car, student loans, refinancing, credit cards, etc...).

I think this aspect of credit is stupid. It’s basically saying “we’re going to punish you for using your credit.”

My house is absolutely not an investment. My house is where I live. I make improvements to my house because they’re things I want, not things I think will make my house more valuable. I expect to get at least what I paid for my house, and if I get more than that, good for me.

I agree. As a lawyer, I used to work for a giant douchebag who was so bad at his job that the only thing he could critique on my assignments was grammar (not that I had/have poor grammar, he just liked things his way).

This is why I say that, instead of gym class, personal finance should be mandatory for high school graduation.

Then get a giant tax bill at the end of the year, fuck it.

That’s my exact philosophy. Right now, my wife and I claim ourselves and 0 for everything else. We end up getting a tax refund and it goes right towards her medical school loans. Well... the refund goes into a brokerage account that we’re using to save up to pay off the loans. Since our loan is around 3.5% and hypothet…

As you point out, it’s $30 or so per year. Most people won’t even pause to consider saving $30 per year. That’s $0.08 per day. Personally, the amount of time it takes to try and figure out how to get my withholding amount to net $0 at the end of the year isn’t worth the $30 it will save me.

I’d rather not figure out what my withholdings would be in order to basically net $0 and I’m a tax attorney. I can’t imagine nearly anyone bothers to figure out exactly what numbers have to been to correctly equal $0 owed or refunded.

You’re right that it being an interest free loan is a fact not opinion.

What you’re relying on there is dollar cost averaging, which basically says, it doesn’t matter what you’re putting into the market, so long as you have a regular investment period (let’s say, monthly) and do it over a long time.

My wife is a resident neurologist pulling 80-90 hour weeks and I’m a tax attorney, working about 50 hours per week. We don’t have time to cook gourmet meals during the week. However, I use the weekends, when I’m doing housework, to make a ton of meals that are very good and will allow us to reheat quick meals during…

Apparently, it’s not as common as you think. These scammers target millions of people and this scam is seemingly effective according to the DA’s office.