A 61-year-old Arkansas woman called into the "The Ramsey Show" hoping for clarity on investing in her 401(k) while still paying off debt. But what started as a simple inquiry quickly turned into a reality check, tractor and all. The caller introduced herself as Teresa, a self-described "country girl" with no nest egg. "I have no retirement money saved up whatsoever," she told personal finance expert Dave Ramsey, although she had started following his Baby Steps plan and scraped together a $1,000 emergency ...

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Core Insights - The couple, Cassie and Andrew, earn a combined annual income of $120,000 but are living paycheck to paycheck due to financial obligations and debt [1][2] - They are currently $30,000 in debt, which includes $22,000 in student loans and $8,000 in credit card debt, alongside a monthly rent of $2,500 [2] - Andrew's desire to purchase a new $60,000 truck raises concerns about their financial priorities, especially given their existing debt and plans to buy a home [4] Financial Situation - Cassie expresses concern that the monthly payment of $850 for the new truck would hinder their ability to save for a house or pay down debt [3][4] - The couple's current financial obligations include significant debt and high rent, which complicates their ability to make large purchases [2][4] Alternative Solutions - A suggestion is made for Cassie to discuss purchasing a less expensive car with monthly payments of $425, which would allow them to save or pay down debt more effectively [5] - By opting for a less expensive vehicle, they could potentially save $5,100 in a year, totaling $30,600 over six years, which aligns with the payment period for the truck [5] Cost Considerations - The overall cost of owning and insuring the new truck would be significantly higher than that of a smaller car, impacting their financial situation further [6] - Andrew's perception of the truck payment as affordable may change once additional costs are factored in, highlighting the need for a more comprehensive financial assessment [6]

Core Points - The article discusses the situation of a car owner, Stella, whose car was stolen and later recovered, highlighting the complexities involved in dealing with insurance and title transfer after a theft [1][2][3]. Group 1: Insurance Process - Stella's insurance company declared the stolen car a total loss and paid her $5,000 for the vehicle, which was 15 years old [1]. - After the car was recovered, Stella must inform her insurance company, as the car is now their property, and they have the right to sell or scrap it [3]. - Some insurance companies may allow the previous owner to buy back the car, but this is contingent on the insurer's policies [3]. Group 2: Title and Inspection Requirements - If Stella is permitted to buy back the car, it will likely come with a salvage title, requiring repairs and a state inspection to obtain a rebuilt title and insurance [4]. - The process for obtaining a recovered theft title varies by state; for instance, in Massachusetts, an application must be submitted after passing a salvage inspection, along with a fee [4]. - The application processing time for a recovered theft title can take four to six weeks [4].

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Core Viewpoint - Defiance ETFs has launched the Defiance Daily Target 2X Long LMND ETF (Ticker: LMNX), aimed at providing active traders with leveraged exposure to Lemonade, Inc. (NYSE: LMND), a company known for its innovative insurance technology solutions [1][2]. Group 1: Fund Overview - The LMNX ETF seeks to deliver 200% of the daily percentage change in the share price of Lemonade, Inc., allowing investors to express short-term bullish views on the stock [2][3]. - The fund is designed for knowledgeable investors who understand the risks associated with leveraged investments and are willing to actively monitor their portfolios [6]. Group 2: Underlying Company - Lemonade, Inc. operates as a fully digital insurance company, offering various insurance products including renters, homeowners, car, pet, and life insurance through licensed carriers in the U.S. and Europe [4]. - The company utilizes proprietary AI-driven software and automation to enhance efficiency in policy issuance, claims management, and customer interaction, thereby redefining the traditional insurance experience [4]. Group 3: Investment Strategy - The fund employs a fixed-fee business model and relies on reinsurance agreements to manage underwriting risk and stabilize financial results [4]. - The LMNX ETF is not an investment in Lemonade, Inc. itself, but rather a financial instrument that seeks to leverage the performance of LMND [5].

For years almost every new car sold has come with a high-tech, futuristic screen. But are they a distraction for drivers? Here’s what the research says https://t.co/Jnb2vf4sId ...

A recent episode of “The Ramsey Show” featured Doug from Connecticut, who called in to ask a question that many listeners might relate to: Should he use his savings to pay off a 0% interest car loan? Doug shared that he’s single, 45 years old, and earns between $140,000 and $160,000 a year. He has $280,000 in retirement savings, $23,000 in a high-yield emergency fund earning 4% interest, no credit card debt, and a mortgage. But there’s one catch: he still owes $26,000 on a car loan. Don't Miss: Caller St ...