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@rehpic At that level of estate, source a few estate attorneys and try to build a consensus for yourself. There are several ways to accomplish passing down a legacy while minimizing taxation. Gifting, philanthropy, trusts, etc. Really depends on the family situation and goals. I’ll happily...

@forchristianfellowship Any accounting courses included with the associates program? Computer science/programing? Focus on a field where jobs are plentiful now and in the future. Keep grinding. Save more money. Build a nest egg and a career.

@rmsofla I’d stick with one of the funds i mentioned.

@rehpic I haven’t come across one yet. If you want to share the scenario, I can probably share an opinion or three.

@rmsofla Safe harbor means that they are making a contribution to you to offset what the owners of the business are making for themselves. It’s somewhat “ethical” profit sharing/match as dictated by 401k laws. The easy buttons are either the fund for your retirement year or the S&P 500 fund...

@nonebutjesus Ask around. Meet with several. Invest the time. I work with clients all over the country and even some ex-pats. I always recommend that prospects meet with others to see how they mesh with each. This business is all about trust and my value is measured by more than how i perform...

@decency Advisor here (not hers but my clients are in similar situations). She needs some complex planning here as there’s potential estate tax, long term care, and special needs planning issues down the pipeline. Some of these needs are state specific. There’s also potential to get creative...

@loveisintheairkathryn Ballpark should be higher than that but it depends on how you were invested. I’d ask your advisor for an analysis of your performance (or lack thereof). More like a qualitative exercise. If you’re not happy with the answers, shop around.

@maggiehanley Do you have other assets? Do you have an income? In most cases, paying off the mortgage isn’t ideal. Especially now when you can make 5% on your savings without risk.

@ayla17 Hate to be the “tough guy” here but if this is your second time around with debt consolidation, you may have a “living beyond your means” problem. (Which you admit). It’s time to truly reevaluate everything. Last thing to look at are the retirement assets as those are super expensive...

@keaton85 Most of us here are US based so not sure you’ll get much advice that is relevant in Spain. Sorry OP.

@eugen Stick with the S&P 500 until you’ve got $50-$100k. Then maybe mix in some other stuff.