First things first. A big Thank you to all of you folks. Clearly this is a knowledgeable group. This is the actions I have taken so far: Paid off CC debit on Friday. As for my truck debit: The company I work for has decided to get me a economical vehicle and will either buy my truck or I can sell it out right. So I should be consumer debit free by the end of the month. Next is budget. The best budget info that I could find on the web says to start out by writing down every penny I spend for a month then break that down to fixed and variable expenses. I tried the quicken and money softwares a few years ago but after 3 months didn't stay up with all the data input. So this time I will keep it Excel simple. As for how I ended up like this: 2 divorces is one reason and a business BK after 911. But thats in the past. Questions: Investments: My company's SEP is with Baird. Since I am not in the VIP club($100K+) I have to pay about $75 per purchase of stocks or ETFs. So unless I buy A shares(I am not sure if it is A or C shares, the ones you have to hold for a long time) I have to pay $75 bucks. Seems to be a rip. I let my cash build to about $1500 (once a month) then make a purchase. Can I just have the company send my money and contribution to Vanguard or a discount house? Thanks again...you folks are great!
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