Mortgage loan originator salary

One of the misconceptions about CIRR is that results are audited before being posted. This is not correct and rather they are audited once a year and then updated after the fact.
Codesmith recently added their audited report to CIRR and it has worse outcomes:
Link to original report
Link to audited report
Differences:

1. 90 day placement rate dropped from 48.2% to 37.9%
2. 180 day placement rate dropped from 80.1% to 78.6%
3. Number of people reporting salaries dropped from 94.2% to 90.1%
4. Number of people earning over $140K dropped from 30.4% to 21.9%
5. Number of people earning under $120K increased from 33.1% to 39.7%

What does this mean?
First off, I highly doubt Codesmith intentionally or fraudulently released the initial, better results so everyone who is in the camp of Codesmith is a scam and CIRR is fake should not use this as justification.
Second, it's possible there was some kind of error. I have to assume the AUDITED results are more correct than the original, so I would assume that there was just some small mistakes in the initial release.
Third, the results aren't terribly different. The main thing to note here is that of the 301 people included in the report, ~237 people were placed and 212 reported salaries to produce that $127K median salary and that it the "average Codesmith student's outcome". This is a problem with CIRR and not Codesmith

This is the best tl;dr I could make, original reduced by 76%. (I'm a bot)

The Pakistan Government's total debt has increased 34.1% year-on-year to ₹58.
5 trillion while the external debt accounted for a 37.6% share with ₹22 trillion at the end of April, 2023.
ADVERTISEMENT. On an annual basis, the increase in external debt remained 49.1%, the State Bank of Pakistan data showed.
Within the domestic debt, the largest share was of the Federal Government bonds that represented almost ₹25 trillion worth of loans.
Other major contributors to the domestic debt were short-term loans and unfunded debt that included money borrowed through National Savings Schemes.
Funds obtained through Federal Government bonds rose 31.6% from 2022 while the increase in the stock of short-term loans remained 29.4%. On the one hand, Pakistan is battling a prolonged balance-of-payments crisis, with foreign exchange reserves covering only a month's import bill.

Summary Source FAQ Feedback Top keywords: debt^#1 Pakistan^#2 Government^#3 market^#4 dollar^#5
Post found in /worldnews.
NOTICE: This thread is for discussing the submission topic. Please do not discuss the concept of the autotldr bot here.

Currently have well over $100k in unsecured debt. Two car leases that I'm current on and a mortgage that I'm two payments behind on.
I'm in the middle of a debt settlement plan with National Debt Relief but it's not going nearly as well as I expected. One of the debts has a payment plan in place and is over halfway paid off, but there has been no progress with anything else.
Today I was served with a summons on one of the loans so...now it's getting real.
If I had a good sense that I could keep my house, my 401K and my cars and have a "reasonable" monthly Chapter 13 payment, I'd probably do that just to be done with it and save the stress, but I have no idea what that would look like.
Since all my debt is unsecured and I have a relatively high income, does that mean I'm likely going to have to pay it all off?
Is a trustee going to take every ounce of my disposable income for 5 years? Even if I get a raise?

Context for the text you are about to read, I am in the shower with a migraine, I haven’t done anything all day but tinker, watch Blade Runner 4099 and Interstellar. I am not suicidal and I understand reality rn is what it is and that’s just it. But this is what’s on my mind.
Most of these thoughts stem from watching both those movies, being stuck in the house, shower, and just reality. Also with Apple unveiling the revolutionary AVP…
Life fucking sucks. In actual reality it sucks. Mass shootings are on the rise and we are calling them shootings and not what they actually are…fucking murders. The entire east coast is dealing with a hazy storm of clouds that stem from giant fires in Canada.(idk how it is in Plattsburgh but I’m glad I’m here rn) the weather and climate is just gonna get worse and half the planet seems to care and half seems to think it’s fake like the fucking moon landing. The housing crisis isn’t any fucking better. Boomers think it’s fake because they were engraved with cc debit and buy buy buy a house for 100k on a 17/h wage. Our society is fucked with 100% increase in college debt and an increase in mortgages WITHOUT the increase in salary. People don’t want to pay people who matter most (like the writers) or even people who do fundamental life work. But then there’s the other side of the spectrum in which hospitals and insurance companies jip people off by charging fucking 40k to stay in a hospital room for a week. Sorry sorry this is just in the good old U S OF A. Where healthcare is a joke and everyone else in the world laughs at us. We even laugh at our fucking selves. Still have stupid ass racism and sexism and all the isms, like we aren’t all in this together to just live. Like who tf wants to live a 9-5 to come home and have to work a SIDE HUSTLE(now a days scamming people with drop shipping, or just fully scamming people) to make ends meet. It doesn’t help that in the even since I think Reagan, companies understand that joint house holds produce x2 the income in which BOTH PARTNERS have to make atleast fucking 50k+ to have a decent chance at life without maximum struggle.
On top of this there aren’t even people who live long enough or even step foot outside of their state or country. Like what? You’re telling me i live on planet earth and im going to die only exploring .005% of the planet? There’s great GAINT mountains, technological feats in other countries, and even better healthcare in other places and I have never seen with my eyes? Like wtf is that? How is that fair? how does the people who made it into the 5% and up only get to be the ones to truly “live”.
Life fucking sucks. Everyday is a dread because you just want to do the most extravagant things and you can’t. Like I dread going to school to learn cyber sec but like we need to protect ourselves digitally or we are fucked. I mean it would be great if s digital blackout happened like Blade Runner but people are too much of pussies.
I wish I could just live on a ranch with my love and just live. Go see whatever I want to see. Grow whatever I want to grow. Develop new skills and abilities on my own time when they are interesting to me. See the world and explore atleast some of this somewhat still beautiful planet before Elon takes us off world in a couple decades. But no. No one just wants to live. No one ACTUALLY knows how to live. What it means to just fucking live. No one cares anymore. It’s too complex now. Like the fucking government demands money from you every year based on the money you made and they say “fuck it figure out how much you need to give us” and if you say no, you basically get John wick on your ass till you pay or are in jail. Like who wants to live like that. Sounds depressing as hell.
I’m scared for my future as I am only 21 and a junior in college going into the cyber sec world. There’s always this thought itching at the back of my head. They won’t go away and it haunts me. Was it Covid? Is it the war in Russia/Ukraine?(Russia is speculated to have malware infected in USA infrastructure)Is it the clear uptick in gun violence that honestly scares me shitless? Like fucking petrified… is it the USA being fucking trillions in debt knowing that somewhere during my life the average citizen will be even more fucked? Like I can’t stop

I have a relative who owns 2 houses in NJ. His income is ~100k/year. The mortgages are combined with about 200k left. Property taxes on one house are 12k/year and 14k/year on the other.
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He lives in one with his girlfriend and sister. More family lives in the other. Everyone gives him cash and the mortgage, taxes, and utilities are paid every month. Nobody has a lease or is on any paperwork.
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Could the property taxes be separate from the mortgage/loan? I think he pays the mortgage with his legal income but then uses the family member's cash to pay the property taxes in person.Same thing for utilities.
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He’s trying to rope me in to moving in and contributing…in cash...so I can “save money”. But it just feels shady.
Is any of this illegal?

Hi everyone, I’ve kicked butt at clearing out my credit debt before student loans start again but as a hard start date seems imminent I need some guidance:
I have about $3500 left to pay on a credit card that is 0% interest until January 2024. It will then be 16%apr.
If student loans do restart in September I’m looking at a ~$450 monthly payment.
I originally planned to pay $1000/mo on the card until September so it would be wiped before the additional payments set in. However, since I have until January before interest kicks in I wondered if it would be savvier to stretch out payments on the card. I could also just be overthinking. What say you?

Cross posting because I realized this is a real situation and so it shouldn't be breaking any rules in this sub. Apologies if my initial assumption of using the "off-topic" sub was correct.
All things on the United States side occurred in Texas, overseas was Romania.
I'm aware of a family who sold property in Europe. Then, said family transferred the money in small increments into their United States bank account. Small increments because they wanted to avoid triggering any kind of prying eyes noticing the income. I believe it was in the 80,000 Euro ballpark for the total amount. The family proceeded to give a portion of the money(6,000 USD) to their daughter, so she could give it to her fiance as a gift for a down payment on a house. They didn't directly give it to the fiance because once again, they didn't want anyone looking into their personal accounts and they knew the bank would only go one layer deep to verify the source. A gift letter was signed by daughter and fiance to verify that the funds were a gift and not a loan in disguise.
Here are my questions/concerns. Did the family commit tax evasion or any potential crime by intentionally trying to obfuscate the income when they moved it from overseas? Was it potentially a money laundering event when they tried to conceal the fact that the funds were from their accounts by moving them through another person's account first? Are there any crimes here, or does this all seem sketchy to me for no reason?
Edit 1: Where does the potential criminal liability end if there were crimes? Is the fiance on the hook for anything if they were aware of the original source but didn't know the reason behind the moves made by the parents at the time of the events?
Edit 2, to keep relevant info from comments(off-topic thread) on the main post: It was a single instance, cash transaction for the overseas sale(real estate, totally above board to my knowledge). They definitely moved the money in small amounts because they believed if they moved it as the lump sum that they received, it would be picked up automatically and reported by the bank on the US side. I know for certain this was a tactic to avoid income tax here, I just don't know if that was even something they needed to go to the trouble to avoid. Essentially, I'm worried that by trying to avoid paying taxes on something that may have been considered income, they may have caused a domino effect by continuing to move the money in sketchy ways. If intentionally hiding the income in the first place wasn't a crime of any kind, I don't think the things down the line would have been either.

Title explains most of it. Some background
Currently I have a small mortgage balance of 30k ( estimated 345k value) and have roughly 60k available to pay it off.
We make a decent living so I think we'd have enough to cover closing costs on the next home.Is this a good idea if I'm looking to transition into a new home in the near future?
My thought process is to do this so I wouldn't have to carry two loans at once during the transition period. I know bridge loans are an option, but are typically expensive. Also, I'm trying to avoid PMI on the next home/ have it for a short period of time. Any insight?
Much appreciated.

There’s a lot that goes into this and for myself it feels like I’m making excuses blaming my mental health. Don’t know that it really matters because as far as I can tell there’s no leniency given for this type of situation, and there’s a lot of history that goes into this and some stuff I haven’t ever talked with anyone about or really processed entirely but in the interest of transparency, here goes. Trigger warning and disclaimer that I’m not actively a danger to myself or others.
I’m bipolar, was diagnosed at 16 after a suicide attempt. I’ve tried a lot of different things to manage it. Medication. Therapy. Pulling up on the ole bootstraps. I’ve spent years of my life thinking about suicide almost every day and making poor decisions without concern for the long term. The short of this part is that on December 12 2019 I made a promise to myself that I would find a reason to live within two years or that was it. December 12 2021 was the day. Tattood right on my chest over my heart as a reminder that I’ve got an expiration date. Things were going okay for a few months after that, ended up checking myself into a hospital in March of 2020, I was experiencing my first ever episode of psychosis. Couldn’t stay consistent with medication, went into months long mixed episode and struggling with alcoholism and drug abuse to try to cope with the increasing paranoia that people I cared about were out to get me and plotting against me. Spent from March to August on FMLA taking benzos until I OD’d. I had a seizure, threw up all over myself. Somehow woke up the next day and decided that probably wasn’t a good thing and went through the withdrawals. Decided then that no meds was better than being inconsistent. Somewhere in all of this I deferred my mortgage payments and built up about 20k in back due payments.
Fast forward to September 2021, I’m still depressed and suicidal but at least I wasn’t paranoid. Things aren’t getting better and friends are talking about moving to another state. I’ve got no way of paying back what I owe on the mortgage. So, I sell my house. The sale goes through in November 2021. I pay off all my debt but my car and student loans with the equity left over. Give away almost all of my belongings and then head out. Book an Airbnb from November to December. Found a house in the woods that seemed cool, apply for financing, somehow get preapproved despite the previous deferment of my mortgage payments. I make an offer on the house, it takes a while and things are up in the air because it’s a dome and mortgage companies don’t like that. Can’t be appraised without scrutiny, etc. December 12 comes and I’ve got no guarantee of being able to move into this new place and no real plans, but things are looking up and maybe this new house in the woods is exactly what I need.
Few weeks later I close December 29th. I move in and then life turns into a freefall to the bottom over the next 9ish months. I no longer had the motivation to care for myself. Was going 1-2 weeks at a time without showering or brushing my teeth. Trash building in piles all over the house. Dog shit on the floor. Reckless spending, no real cares. Almost certain that one day soon i would follow through on my promise.
Randomly last august I get hit up by a hiring manager at work - they tell me that I should apply for a job they’ve got posted, someone name dropped me and said I’ve got potential. I apply, get the job. Turns out I love the work, I get to creatively problem solve, give input, shape the way something that hundreds of thousands of people use every day works, but I’m struggling with keeping up. SeptembeOctoberish Decide it’s time to give meds another shot and take inventory of my life. Things have leveled out and the meds I’m on virtually eliminated the suicidal thoughts and depression. I need to find a therapist and have a lot more work to do just to get my head on completely straight, but I’ve got the capacity to think and act in my own best interest for now.
Where I’m at now - About 45k in credit card debt over the course of last year. Was on a debt management plan for 2-3 months towards the start of this year but even with those reduced payments and the raise from promotion I was still overdrawing my account so I stopped that - the stress was actively causing me more distress and making me lose hope that things could be better and that I could dig myself out of this. Haven’t made payments in several months and things are starting to go to collections. Made mental health and stability the priority. Thought get my head on straight then figure out financial situation and that’s how we got to me making this post today.
I’m still working on trying to reel in my spending habits and not act on impulse but it’s a lot to try to do everything all at once after free fall and no maintenance for so long. I don’t really know what to do from here or how to get started on fixing this in a sustainable way.

I wasn’t sure how to phrase the title but basically my fiancé and I are going to close on a home in less than a month. We will both be on the title of the house and mortgage loan but we are not legally married. Will it be in our best favor to get married before the end of the year? I’ve tried looking online for an answer but not really finding anything. Hoping someone can give some advice on here…

Here was another example of a great experience with this trusted borrower in a medium-term loan. The first payment was on time according to the original schedule, but we did require an extension on the second half. Despite that, they were proactive in arranging for the extension well in advance of when the loan was to become due, and out communication was never an issue as we navigated this one. Today's repayment comes slightly earlier than when we had accounted for in stretching the back half out, which is a nice surprise to be sure! This individual has a high degree of integrity and I always feel at ease when working to help--as it should be!
10/10 experience, would gladly lend to them again if the need arises!

Hey all, I got pre-approved for a mortgage loan but my lender didn't run any numbers or check my pay or employment history, just asked me some real basic questions and gave me a pre-approval. Well we had an offer accepted on a house and it just dawned on me that last year I had about a 4 month unemployment gap from August to December. I applied for jobs during this whole period. Is this something that may affect my ability to qualify for a loan? Should I bring this up before they ask for my W-2's? Has anyone else qualified or been denied a mortgage after having a small unemployment gap? Thanks all!

I just want to pre-face this by saying that we are not under any mortgage stress (thankfully), this is purely coming from a position of wanting to get ahead financially a lot quicker.
Context:
My wife and I collectively make roughly $200k a year, and are quite blessed to have a reasonably low mortgage ($263k owing, repayments are ~$350 per week). Where this falls apart a little bit is that we have other debts that total roughly $80k, ranging from unsecured personal loans, car loans, and credit card debt. While this is a lot, we are paying this all quite comfortably.
We are also quite a large family (4 kids, only 1 full time), and as they are getting older, they are starting to require more space. We are currently in a sizable 2 bedroom unit, with an internal garage we have converted to 2x additional bedrooms and are starting to feel the squeeze space-wise a bit. Neither one of us are super comfortable buying a new property at the moment given the borrowing capacity and uncertainty regarding interest rates - not to mention the other debts we currently have.
Outgoing expenses for all of the above is roughly $900pw, which is in fairness above the minimum payment amounts.
Idea:
Our home is currently valued at around $450-$470k. The idea we have thrown around is:

• Sell the unit
• Use the equity to completely pay off all other debts, leaving us with roughly $110k+ which will be put into a HISA and not touched.
• Rent a more suitable family home for a year or two @ ~$600pw.
• Be able to save an additional $250+ per week
• Purchase a "forever home" in a few years time, with a sizable deposit, and no other debt.

I know it sounds backwards, but on paper it almost sounds like it's quite a decent idea for someone in this situation.
Am I missing something here? Why is/isn't this a good idea?

Hello there,
We've finally found a house we love and want to live in. We're going to sign a contract next Monday. So now, we're starting to prepare cancellation of apartment contracts (housing, electricity, gas, water, etc.).
Previously, we were living in two separate apartments so thus, we have two separate accoynts of these utilities. Now the house we'll live in will be under a joint-loan account named under me and husband. The bank account which the mortgage will be billed will be under my husband's account.
Now, we're thinking what to do with the bills? I'm considering of having these utilities named under me instead and billed on my account.
Not sure if these is the right way to go. Hoping for any first hand accounts on how you handled these utilities.

I really need to vent this out dahil its so stressful when pera ang pinag aawayan sa family. Lalo ma if it involves my brother and mother.
Well it finally happened. My brother snapped na sa mama ko and all hell broke loose na sa bahay
For context, brother ko is matagal ng may love-hate relationship with my mom dahil sa financial reasons. You see, madame utang nanay ko - around 6 figures na and it keeps getting bigger and made worse when loaning apps became a thing (Fuck most of those apps btw!!! A lot of them are debt traps!). Ganun ang utang dahil nagkasakit tatay ko nung 2018, which nabayaran na peronit got worse and worse dahil sa mga tubo and eventually, may utang kame dahil lumaki tubo, and my mom's solution is to borrow money to pay isa sa utang nya. Dumating na sa punto na nag loan na kame sa bangko ng total money she owed people para isahan nalang bayaran namin and lo and behold, MAY UTANG PADIN!!!! Idek how that happened! Everything got paid na and still, meron pa daw. Top that with her not having a job, and kami lang ng tatay ko nagbabayad ng utang nya (Mostly dad ko nagbabayad. I help out lang pag may extra dahil salo ko ma internet and kuryente). Heck, umutang na dad ko sa mga kakilala nya and on loaning apps to pay mga utang ni mama but of course for obvious reasons, they don't go away. She even used our names sa mga utang nya - kunware kami daw nangungutang pero in reality, sya lang din yun. Even used fake names to borrow money multiple times to several people
Basically, my dad can't enjoy his hard earned money dahil it all goes sa utang nya and I can't enjoy most nf salary ko dahil need ko saluhim bills and may hinuhulugan pa na share aa car.
Now don't get me wrong - my brother is no angel when it comes sa pera. He has shitty financial managing too and caused us a fair share of money issues like Prioritized yosi, luho ng mga sapatos, libre ng friends and mga ex gfs, loaned 5k under my bill ease account na ako lahat nagbayad dahil he did that whole he has no job, let my dad pay for his installment alsa phone nya dahil wala trabaho, and just recently, loaned 3k sa friend ng mama ko and claimed he can oay it dahil promoted sya sa work even if wala padin sha work now! All while making the bills less priority.
Pero utang ni mama ang pinaka malala and just now, she and my brother had their biggest fight ever. Want nya na yung brother ko i text isang inutangan nya, claiming na di daw sya makakabayad now pero next bayaran nalang and double the payment gagawin dahil short atm. My brother allegedly agreed (At least he told me) pero he didn't want na nagagamit name nya anymore sa mga utang dahil he hates suddenly having loans made na di naman dapat sakanya and due na din to a genuinely traumatic experience he had. They argued about it and my brother, in his rage, snapped and told my mom its all her fault na malake utang and why naghihirap kami.
I tried playing peacemaker, getting both sides, and pagbatiin sila. Willing si brother pero mama ko stubborn talaga. Ayaw makinig and instead says her usual gaslighting like "tandaan nyo kawawa kayo pag wala ako", "Inalagaan ko kayo simula pagkabata", "want ko lang mg tulong", etc. My mom even tried magalit sakin and idamay ako pero I reminded her na I am the peacemaker and di ako involved, which she gladly and fortunately agreed so she focused back sa brother ko. This made my brother snap again, and doibled down sa pag mention ng fault ng utang is mama ko. Thus, he did what no one at home has done ever - he made my mom have a total meltdown at nagwala. All he had to say was "Sorry not sorry. I said what I said"
My mom used the gaslighting again to calm down and only talked to herself pero used the term "Tandaan nyo", "wala kayo", ang sasakit NYO magsalita" even if di naman ako kaaway. I know how she gets mad so I reminded her in a calm manner na umupo muna sya and to just let her rant. Pero I also reminded her di mya ko kaaway. Nagmatigas pa ulo however so I sighed and reminded her na I am not arguing with her and stop acting like a child and that may mga utang din sya sakin due to loaning apps under my name and ayun nanahimik din
Pareho sila may fault sa pera pero nanay ko ang pinaka mali dito. This was a long time coming and honestly, di nako magulat na brother ko nag initiate dahil matagal nadin sya frustrated sa mga utang like everyone else sa bahay but he was the only one that had the balls to say it sa nanay ko. She also says na utang naman daw nya yun, not realizing while utang nya yun, the names na nakalista is ours so syempre, kami ang punching bag nf mfa naniningil
I am a firm believer we will one day not have etong mga utang again pero long time pa yun. Pero now my brother and mom now have a big rift between them. Pinaka naawa ako sa dad ko. Stressful na sa work, and mga utang and now he too, has to deal with the aftermath of their argument. Di ito first time na nag away sila ng brother ko. Eventually nagbabati and my dad doesn't mind. Pero this time, it was due sa pinaka issue ng family namin na sa pera. I worry this is gonna stress him even more. Lalo nat he has kidney disease and gout triggered by stress. He might either be even more stressed or mag snap nadin. Di rin pwede bumukod brother ko dahil no job sya.
Basically, its gonna be super awkward na sa house while they ignore each other
If you made it here, thank you for listening. Wala ako pa rant about dto. Usually dad ko lang and he's at work atm. Kaurat talaga pag nagaaway kapatid at nanah ko kahit sila lang din cause ng financial issues namin. Ako ma nagbati, pero mas lumala pa talaga. Haist hirap maging panganay lol
On the plus side, d na gumagana sakin gaslighting ng nanay ko, which is good. Di na me people pleaser sakanya dahil narin siguro sa urat
Before you all say cut my mom off, despite her issues sa gaslighting, she is a great mom and outside mg pera, she is a kind person who truly does care about us. Bad lang talaga sa pera and as for the gaslighting, its a product of her upbringing - laki aa abusive na lola and step mom nya and my lolo was absent most of the time of her life nung bata bata pa sya (Lolo in his senior years did change for fhe better amd bumawi sa mama ko) . As for my brother, I love him too pero nasa punto nako na I am letting him learn the consequences of his financial mishaps the hard way

Hi all. Car just got totaled. waiting for insurance to call with appraisal. I’m thinking I need to use the pay out to pay off higher interest personal loans i used to pay off CC debt. Plan is to pay off all debt other than mortgage & student loans. This is ~32k spread over 3 loans at a few rates, two in the teens, another at 9%. Then put a little down and get a car payment. should be getting used car at maybe 6-7%. still shopping rates. open to lender suggestions. Sound plan?

I am based in the United States. I always loved research in my field. I was a top undergraduate researcher and co-authored a few publications. My institution loved me. I went to an elite university for my master's program and was in debt from it. I did research and loved the program, too. I finished my master's degree at the age of 21. Growing up as a refugee who experienced poverty, I was so scared of my DEBT. I took a job that paid me very well. I actually got into 3 PhD programs but backed out last minute.
It's been 3 years now, and I have paid most of my debt. I realized that I did not need to go to an elite university for my master's degree because the quality of education is similar to the non-elite. I was able to buy a new car, get plastic surgeries to fix my obnoxious face, and spoil my family. I also got married VERY young and got divorced. I learned my lessons and lost about 20k. Now, I have about 80k of savings and 30k student loans left. I am so much happier now.
I am not happy with my high-paying job. I hate every aspect of it. I missed research. That was something I was passionate in. I was very good. I make about 150k a year now. I know that a PhD in my degree will give me a 80k starting salary, but I honestly do NOT mind. I miss being able to solves problems that I am passionate about. Research was my life. I lived for it.
Is this a reason to go back to pursue a PhD? Am I too old? I am 25 now. If I apply for this upcoming application, I won't start until I am 26. I feel so behind. I feel like a loser.

I'm starting school at the start of July and was under the impression it's still not too late to apply for the position. I'm just unsure about what that path forward would look like and was told I would be groomed by a recruiter, so was hoping to get current students or commissioned PAs input here. I've been unable to shake a strong desire to serve my country and would hate to regret possibly not doing this. First question is what is the loan repayment program like? I've heard 40k annually vs. 40k for the entire 4yr contract. I'm worried I will put in all the effort to do well in school but then afterward practice in a mundane setting, providing basic care for healthy soldiers, losing foundational knowledge. The loan repayment would be great, but not if the base salary is around 80k. I know im being a little vague here, so any thoughts on this or anecdotal advice on why to do it or not to would be appreciated. TIA
Edit: Single male, early 30s with no dependents.

Just curious what everyone’s take on ending the student loan moratorium will have on the housing market. I could see this increasing supply due to millennials who bought house during the pandemic struggling to make their mortgage payments AND student loan payments.

TL/DR: Over the past 6 months, after taking a temporary cut in pay, I have racked up $12k in credit card debt that my husband doesn’t know about. I feel bad about it, but think I can get it paid off without bringing him in the loop. What would you do?
Details: This past October I started a new career. I am compensated with a base salary + commission and bonuses, but it takes a while to build a client base. I am almost to the point now (after 7-8 months) where I am making what I was making in my previous job, and comp should just be up from here. Based on my performance so far this year, I am also expecting about a $20k bonus (if not more) in October. However, the past several months of my compensation being in flux has put a huge financial strain on me and I’ve made decisions that I now regret.
Before I started the new gig, my husband and I discussed that I would be taking a significant, albeit temporary, cut in pay (about $2,000 less per month take home). I worked from home the first few months while watching our infant so that we wouldn’t have to pay for daycare. Other than that, I honestly did very little to try and cut back on expenses. When I couldn’t make ends meet, I just started putting things on my credit card. A lot of it was stuff like groceries. There was also a surprise birthday dinner for my husband that I didn’t have the cash to pay for. But there was also quite a bit of “unnecessary” spending. Things like work attire for my new job, stuff to decorate my office with, Christmas gifts that went above our budget, etc. This is all stuff that I am used to being able to pay for as it comes up, because I’ve always had a decent cushion in “my” bank account after the bills were paid. But that cushion was gone when I took the cut in pay. A couple of months ago I finally told my husband I was struggling with the pay cut and stressed about finances, so he started transferring me $500 per month to help with household expenses. He guilts me about this every month.
For some context here, DH and I have semi-separate finances. We have two joint checking accounts - his paycheck goes into one, mine goes into the other. All of our household expenses come out of “my”checking account (mortgage, utilities, groceries, car payment, insurance, cell phones, etc. and anything related to the kids). My husband puts about 75% of his paycheck into savings and lives on the rest (gas for his car, occasionally eating out for lunch - although he typically takes leftovers - and misc. things for home maintenance). DH is really frugal and basically never spend unnecessarily. He also handles our monthly church tithe (dagger in the heart here because he sounds like a saint as I write that part).
The thing is, we have a pretty decent savings account, but my husband acts like it is untouchable and gets annoyed if I tell him I need to dip into our savings for things like the Christmas gifts. He says I need to plan better and be less frivolous with my spending. I can’t say he is totally wrong, either.
Then all of the sudden in the last two months my DH got a bit of a wild hair. He wanted to to take a small family trip in May and then he was adamant we needed to book a somewhat extravagant family vacation to Florida in July. I pushed back on some of it, telling him I didn’t think we could really afford to do all of that right now, but I eventually capitulated. Then some things came up with our family car, which he would typically take care of - but it was kind of expensive to fix so he had to pull money from our savings. I just checked and we have now taken $12k out of our savings in the past few weeks to pay for these things.
The thing is, I feel like his reasons for taking money from our savings is always justified, but my reasons are not. When I bring this up he says things like “If it wasn’t for me we would have no savings” (remember, he puts most of his check in savings every month because I pay all of our household expenses).
On top of all of this, my husband has basically no federal withholdings taken out of his check. Instead, I withhold extra from mine to cover taxes we owe on his wages. (I currently earn about 1.5X his pay and within a year I think I will be at 2-2.5X his pay.) When I filed our taxes, I figured out we would be getting about $8k back (because of the job change and cut in pay I ended up paying too much in). I diverted our refund to my secret bank account that he doesn’t even know about - which only has a few hundred dollars in it right now - so that I could use the tax refund to pay down about 2/3s of the credit card debt. I justified this on my mind since most of taxes came out of my paycheck anyway.
This is effed up, right? I don’t think I am intentionally being deceptive (I mean, sort of) but I’ve kind of reached the point where I don’t feel like DH is going to help me if I need it, financially speaking. It’s on me to figure it out. And if he doesn’t agree with my decision he shames me and tells me I am selfishly overspending. But truly I think my expenses are basically normal - I don’t get my nails done (not that there is anything wrong with that), I buy a lot of my clothing secondhand, I purchase generic groceries, I don’t eat out at lunch, and I don’t really have a habit of shopping on the weekends or buying expensive shoes or purses. I think I live about the same or more cheaply than most women who make my salary. But even then I feel like I have to hide things from him. If he notices I bought something he says “Quit spending money!” even if it’s a $30 pillow from Target.
Please be brutally honest with me. What would you do in my situation? Would come clean and own up to the debt? Or just get it paid off and never speak of it. The credit card is just in my name, by the way. I know I’m not 100% right in my actions, but I also just feel a little resentful and backed into a corner. I have half a mind to start diverting a big chunk of my compensation into my secret bank account once I’m making a lot more just so I don’t have to share that money with him and I can do what I want with it without him getting to automatically control it. I don’t feel like this is healthy.
Help.

so gist is, been working a part-time office job for about a year and a half now. and for the most part, not too bad of a gig, all things considered. i get the option to work up to eight hours if i want, and if they have the work to spare. and the work is so mind-numbingly easy i get eight hours worth of work done in three. since nobody checks up on me for the most part (hearing and seeing the sheer totalitarianism of american businesses makes me feel really lucky about this place), i spend the rest of the time learning new things like coding, maths and sciences, history, or just getting some creative writing done.
now, at an e-meeting today, supervisor mentioned an opening for a full-time position that's one step up the corporate ladder: pretty much the same thing but with extra duties like training new hires. the downside is the loss of flexibility in the schedule (rn, as long as i'm in the office for a specific four hours, i can come and go whenever i like; and that's valuable for when i have a health flare-up and need to go home earlier without getting docked); but i could use the extra hours and money to pay off a loan asap, and it also looks okay on a resume when you move up a little.
thing is, i go to apply for the job on the company website: no salary listed. i ask my supervisor what the pay increase is like, and they gave me a wishy-washy idk answer, citing something about "pay scales" and "it depends" where i would fall on that. ask some co-workers who have been there for decades, they have no clue how it works either. so then i figure ok, maybe hr can point me to the right person to ask about payroll--only to find out the hr rep quit suddenly not too long ago, so there isn't one right now (gee that makes me wonder).
i figure i wouldn't get the position anyhow bc i'm a smidge underqualified (they want two years experience and a kind of specialist certification i can get by taking a government-administered course. i'm thinking about taking next time it's open if i can afford it bc hey, looks ok on a resume). but if comes with a relatively substantial raise, even two or three more dollars an hour, i figure it's worth a shot; especially since i'm still a bit miffed about my annual raise of 2% (wow, that'll tide me over till next june jfc).
except judging by the looks of things here.... there isn't gonna be a raise here, is there? definitely not applying until i get a number bc i'm sure as shit not taking on more work and sacrificing my schedule flexibility for free. but is it worth it to apply anyway, see how it turns out? like, if i apply and succeed, and they pull the bait and switch, is it possible to haggle for better? would they fire me later if i turned them down over it? would rather not leave atm, at least until i get that certificate training as something to bring to another firm, bc i got a pretty good thing going here. but it's definitely getting clearer every day that i gotta move on soon if i wanna make more money. thoughts?

Let's say that I'm aware of a family who sold property in Europe. Then, said family transferred the money in small increments into their United States Bank account. Small increments because they wanted to avoid triggering any kind of prying eyes noticing the income. I believe it was in the 80,000 Euro ballpark for the total amount. The family proceeded to give a portion of the money(6,000 USD) to their daughter, so she could give it to her fiance as a gift for a down payment on a house. They didn't directly give it to the fiance because once again, they didn't want anyone looking into their personal accounts and they knew the bank would only go one layer deep to verify the source. A gift letter was signed by daughter and fiance to verify that the funds were a gift and not a loan in disguise.
Here are my questions/concerns. Did the family commit tax evasion or any potential crime by intentionally trying to obfuscate the income when they moved it from overseas? Was it potentially a money laundering event when they tried to conceal the fact that the funds were from their accounts by moving them through another person's account first? Are there any crimes here, or does this all seem sketchy to me for no reason?
Edit 1: Where does the potential criminal liability end if there were crimes? Is the fiance on the hook for anything if they were aware of the original source but didn't know the reason behind the moves made by the parents at the time of the events?
Edit 2, to keep relevant info from comments on the main post: It was a single instance, cash transaction for the overseas sale(real estate, totally above board to my knowledge). They definitely moved the money in small amounts because they believed if they moved it as the lump sum that they received, it would be picked up automatically and reported by the bank on the US side. I know for certain this was a tactic to avoid income tax here, I just don't know if that was even something they needed to go to the trouble to avoid. Essentially, I'm worried that by trying to avoid paying taxes on something that may have been considered income, they may have caused a domino effect by continuing to move the money in sketchy ways. If intentionally hiding the income in the first place wasn't a crime of any kind, I don't think the things down the line would have been either.