u/dequeued

Please don't ask people to contact you directly. Thanks.

This is a better question for /r/legaladvice, but it looks like you didn't get any responses there. You might try /r/landlord, /r/renters, or /r/Advice.

For dealing with collections, you should try going through the steps in the collections wiki: https://www.reddit.com/r/personalfinance/wiki/collections.

For your main question, read https://www.reddit.com/r/personalfinance/wiki/credit_building.

For dealing with the collections, read https://www.reddit.com/r/personalfinance/wiki/collections and follow those steps.

A single message with a subject of "Hello?" and a body of "Is anybody in there?" is not a serious inquiry.

Cutting some recurring costs like Nitro, coffee, and lunches would certainly help, but the biggest issues are probably the car and personal loans. It's good that you're saving for retirement, though. That's an accomplishment.

Can you list out a more complete itemized budget of where all of your spending is going each month, including the loan payments? Also, what was the personal loan used to finance? And can you list out the total remaining balance and interest rate for each debt/loan? You don't have any credit card debt, right?

It might also be a good exercise to log every single expense for an entire month. I suspect you're spending at least $500 a month on coffee and lunch. And it might be a significantly more than that.

Neither of them?

Rich Dad, Poor Dad is a schlocky book that people are best off forgetting as quickly as possible. The best part is the title and the advice ranges from misleading to legally dubious. Kiyosake is a fraud.

1. He advocates a risky/dangerous approach to investing.
2. He's not really someone you should trust. He has repeatedly lied about his wealth, background, and investments. His company went bankrupt, he's been sued by his co-author, etc.
3. His books are the lead-in to a series of scammy seminars designed to separate people from their money.

There may be some grains of truth and inspiration in Rich Dad, Poor Dad, but the financial advice itself is terrible.

I haven't read Set for Life and I'm not very familiar with it, but I'm not sure why you're focused on pushing real estate investing on this audience. I'd suggest a general personal finance book like Get a Financial Life or perhaps I Will Teach You to be Rich. There are some other suggestions in the PF reading list.

We would like to retain responsibility for the subreddit. The subreddit receives many submissions, mostly from people looking for /r/personalfinance, and we help direct all of those people to resources.

The requestor seems to lean heavily towards speculative investments including penny stocks and does not seem to participate in any personal finance discussions on Reddit. Also, their modmail does not seem to meet the requirements to make a request here (not that that's the primary issue here).

Thanks.

The Reddit spam filter did not like your post and removed it. Feel free to make a new post, but you'll need to use an image for the links (imgur.com works well).

Read the collections wiki and follow the steps and advice here.

If the non-deductible holdings have appreciated, there will be some pro rata taxes although the amount of taxes may be very small.

Can you split the Traditional IRA into two IRA accounts, roll the pre-tax shares into your 403(b), and then finish the steps to do a backdoor Roth IRA with the non-deductible shares (probably paying some pro rata taxes)?

Here's a post from someone with a similar-sounding situation on Bogleheads forum:

https://www.bogleheads.org/forum/viewtopic.php?t=407112

Make sure you are following the steps in the Prime Directive.

Regarding your finances, the first thing is to get your spending under control. I doubt that taking out a 401(k) loan to delay eviction is the best option. That money in the 401(k) is shielded from creditors and bankruptcy, but if you take it out, you'll owe taxes and you're probably still headed towards being evicted.

I'd strongly consider moving in with family or friends temporarily if there are any options to do that. Living in an expensive city like NYC is probably off the table for now.

I'd also consider making a more detailed post here or on /r/personalfinance with the same information on debts and your itemized monthly spending.

Once you get more settled with a job, pursue bankruptcy. That probably won't get rid your student loan debt, but the credit card debt is probably unsustainable.

EnergyWide6621, if you are considering suicide, call the National Suicide Prevention Lifeline at 1-800-273-8255 or a hotline in your country immediately. If you are in the United States, you can text "HOME" to 741741 to communicate with a Crisis Text Line volunteer at any time of day to speak about any crisis.

/r/suicidewatch is currently the most prominent subreddit featuring support for other redditors suffering from suicidal thoughts if you want to seek help on Reddit.

It's possible there's a mistake in your credit report. Someone with debt could also have the same name as you. Debt collectors aren't exactly known for being cautious about who they harass. I'd start by checking all three of your credit reports using annualcreditreport.com (it's free). If you find any collections, follow the steps in the collections wiki. If you find accounts that are not yours, follow the steps in the identity theft wiki. There are other wiki guides linked in the /r/Debt sidebar.

I'd suggest asking on /r/irishpersonalfinance if you're based in Ireland or /r/investimentos if you're based in Brazil.

If you're elsewhere, see the country index in the wiki.

3% is okay, but not great. You can get 4.3% to 4.5% with several banks that are commonly recommended. CD rates are a bit higher than that, but I'm not sure they are high enough to be interesting.

/r/personalfinance/wiki/personalfinance/wiki/banks_and_credit_unions has some common recommendations. Also make sure you are following the Prime Directive linked in the sidebar. More retirement savings may be the next step depending on your situation.

Please don't send your bank statements to anyone. Post a detailed list of your debts (amount, type, interest rate, monthly payment), your itemized monthly spending, and your monthly take home income.

Please repost without the last line. Thanks.

Sorry, this was removed by the spam filter and I only just saw it now. Posting link shorteners is almost impossible. If you still have this question, you could take a screenshot of your rule and make a new post.

If you want to recommend an app, you can do that, but please don't paste advertisements or referral links into your comments.

Please don't use link shorteners here.

Read through the credit building wiki page. It has some specific recommendations.

Several of us reviewed your history and content before responding. If our genuine concerns come across as a smear, I want to clarify it's not our intention but rather an expression of the concerns raised. Best of luck with your new endeavor.