Finance
Expenses
Cryptocurrency
On and off ramps
Kraken is the best centralized exchange (CEX) for buying cryptocurrencies. You can get the best rates by using Kraken Pro (it's free, just a different user interface with lower fees) and checking "Post only."
Coinbase is the best way to liquidate USDC for USD– it does so at a 1:1 ratio with high limits.
Medical debt
- Medical debt below $500 will not show on a credit report
- Once debt gets sent to collections, you can usually negotiate for a lump sum payment 20-40% off
- If the debt was sent to collections recently, you can often still pay with the hospital directly
- Ask the hospital or collections agency to itemize the bill, which will often reduce the amount
- (Charisma roll required) You can "call bait" a debt collector into committing an FDCPA violation, which can reduce the amount of debt by up to $1000