Currently listening to: Priceless – Maroon 5 feat. LISA
Baby, you’re priceless
I never had anything like this
I’m resting my head on your thighs, it’s
All I wanna do, yeah
It’s all I wanna do
Your body, I’ve never seen anything like it
So take my money, don’t want it, no
It’s all I wanna do, yeah
I told her not to touch her 401k. As tempting as it might seem in a financial pinch, pulling out of a retirement account comes with serious consequences—heavy taxes and a steep early withdrawal penalty. It’s like paying a premium for your own money, and it can really set you back long-term.
Instead, I suggested she reach out to her credit card company. Since she’s been a loyal cardholder, there’s a chance they might work with her to lower the interest rate. It’s not guaranteed, but the worst they can say is “no.” A polite phone call could potentially save her hundreds in interest.
We also talked about the idea of a personal loan. While it might seem like a lifeline, I reminded her that unless she tackles the root cause—her spending habits, it’s only a temporary fix. Debt moved around is still debt.
Then I encouraged her to look around her home for things she could sell. I know this is easier said than done—I’m a minimalist, so I don’t hang on to much. She, on the other hand, is a proud maximalist. But even just starting small could help her generate some cash and lighten the load, both physically and mentally.
Finally, I told her she really needs to build a monthly budget she can stick to, and when she’s in a more stable place, move her savings into a high-yield account. Even a little interest adds up over time, and it’s a step toward financial control rather than financial reaction.
Again, this is just my personal opinion. I’m not a finance bruh nor am I a CPA.
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