My theory on credit score is in fact flawed. Mine just dropped 10 points and the only thing Ive done in the past month is pay down more debt. Like 10k more debt. Score "should of" gone up. My guess is that one of my "positive" credit experiences/references has expired and no longer counts like a car purchase or my HVAC.
IDK, but I do know the amount of accounts I have open is very small compared to the nat average, but most of them are very long standing accounts of 10+ years. Who knows..... certainly not me
Just got my first of a few 401k statements and this year was good for how I have this invested. I'm glad you recommended what I already have in place for them with the Roth so I'm less worried I have it set up wrong
Vanguard target 2045 retirement plan got me a yearly rate of return at 23.84% so I'm pretty stoked about that account. Hopefully the rest are similar even though my investments differ from plan to plan.