Omg 5000 deductible. Might as well not have insurance. Wow.

Well I don’t think 401k is a waste honestly. If they have a rep to talk to, you could discuss your options and maybe they would withdraw a very minimum. But I had years when I absolutely couldn’t afford to have any retirement withdrawals so I wouldn’t sign up for 401k.

You can roll your old 401k into new plans or combine those two together. It’s all a pain. Finances are a pain

Yep that’s why many people work two jobs. It’s not manageable otherwise. What’s your Masters degree in (don’t have to answer), can it lead to a potentially better employment? Although I understand no matter what degrees one has, some fields are just not well paid, period