A member was recently laid off from a full time job and is seeking guidance navigating this new reality. What should I do with my 401K from my last employer? Are health insurance premiums tax deductible if you work as an independent contractor? How to best establish clear boundaries with clients regarding last minute cancellations. When you are able to pay an extra monthly payment on debt, do you advise paying more on credit cards with introductory/limited time 0.00% APRs? A member seeks support with how to best allocate a small financial windfall. Does it matter if I change some of my expense categories for the new year? Struggling with giving myself “permission” to invest in something I want but don’t technically need. Are there different recommendations for how to invest with a larger amount of money (i.e. an inheritance)? Seeking clarification on the usage of Planned Savings.