If so, invest.It's not let me find some deal for me-- the lowest hanging fruit.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

I think it's going to be location specific for sure; where I am very few people hang out in the house all day long as they are usually busy hitting the parks and attractions. 

Think about where those people hang out and network. 

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

The BEST lenders I have ever worked with (as a borrower) are, as you say, quick to respond, reliable, honest, and never leave me hanging. 

Obviously would be a slower process, but would create very little debt hanging over your head.

I have about 30k right now mostly in a HYSA and am planning to just hang on, I afford everything with my salary and roommates.

In Missouri, a married couple jointly owning LLCs is generally required to file partnership returns for each LLC, necessitating Form 1065 at the federal level and Form MO-1065 for the state.However, the IRS offers a Qualified Joint Venture (QJV) election for married couples, allowing them to avoid partnership classification by treating the business as a joint sole proprietorship.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.