Podcasts about dear dave

Dear Dave, My husband and I live in India. I'm from the States, and he was born here. When it comes to our finances, I manage our American investments, and he manages our Indian investments. Every month, we sit down with spreadsheets and go over our finances. I trust him completely, but I'd like to better understand our investments here and how they work. Should I just defer to his judgment, or should I learn to understand things a little better? Anna Dear Anna, I always tell folks to make sure they completely understand their investments and how they work....Article Link

Dear Dave, I recently experienced a medical emergency and unexpected hospital stay. I'm about halfway through Baby Step 2, and I'm paying off my debts using the debt snowball system. I have good insurance, but should I put Baby Step 2 on hold for now due to all the hospital bills? Gerard Dear Gerard, That's exactly what you should do. I'm sorry to hear about your health issues, but at the same time, I hope you'll make sure you're only pressing the pause button on Baby Step 2. I'm talking about temporarily stopping the debt snowball and making only minimum...Article Link

Dear Dave, My wife has run her own small business for the last three years. I try to be positive, and help whenever I can, but the truth is things aren't going very well. In fact, the business has never really shown signs of getting off the ground. Over the last several months, we've been putting part of what I make at my job into the business to help keep it open. We've also taken money out of savings to bolster things, and now our savings account is pretty low. I want to support her, because she loves what she's...Article Link

Dear Dave, I'm a sophomore in college studying agriculture business. I grew up on a farm, and recently I decided it's time to sell a small cattle herd my dad helped me start growing when I was a kid. I don't have any student loan debt, and I'm paying for school with lots of scholarships and some help from my parents. I can sell the herd for about ,000, and I was wondering how you think I should invest that money for the future. Colby Dear Colby, You know what? I think the best investment Colby can make right now...Article Link

Dear Dave, How do you feel about the leasing programs automotive manufacturers offer their employees? I've listened to your show enough to know you don't recommend leasing the traditional way through a dealership. Baker Dear Baker, I'd advise investigating the details of any deal like this very carefully. Some manufacturer offers, even ones to employees, are nothing more than another way for the company to fleece more drivers. But some manufacturers offer their employees decent programs that aren't a traditional lease. I assume this is the kind of deal you're talking about. A few of them offer the use of...Article Link

Dear Dave, I'm 26, so I haven't had time to accumulate a lot of money yet through my career. I do have a good, full-time job, though, and have started saving money. Do I need a will or trust when I'm so young and have so little in terms of assets? Alisha Dear Alisha, I love the fact that you're already thinking about things like this. You're a wise young lady. Considering that you're young and just starting out, you don't need anything complicated in place. Trusts tend to be geared toward people with complex estates, so it doesn't sound...Article Link

Dear Dave, My wife and I are going through a divorce, and she just had our first child. Under the circumstances, I feel it's my responsibility to take care of her for a while longer, and to put her and our son in a safe, new vehicle. She's driving a 2002 Chevy Prizm right now with lots of miles on it. I'm afraid any kind of accident could result in a disaster. Do you think I should buy her a bigger, safer new car? Ewan Dear Ewan, God bless you both. And that little boy. I'm truly sorry you're going...Article Link

Dear Dave, My wife and I started out broke when we married. Since then, we've been very blessed in our work and investments. We're currently looking at retiring early in a few years, with a nest egg of somewhere between million and million. Our four daughters, all between the ages of 7 and 12, have been raised in the church, and we've tried our best to teach them to love God, not money. Is there a certain limit we should look at in terms of how much we leave them as an inheritance? Mark Dear Mark, First off,...Article Link

Dear Dave, I started listening to your show, and following the Baby Steps, three months ago. I'm already seeing great results with my money. Over the weekend, I spent time looking at part-time jobs to help me pay off debt faster and keep moving forward with my finances. I found a few work-from-home ideas that were intriguing. But how can I tell the difference between real opportunities and all the scams featured online and on television? Bonna Dear Bonna, Congratulations on making the decision to gain control of your money! You sound motivated, and I believe it will translate into...Article Link

Dear Dave, I've been listening to your show, and following the Baby Steps, for about a year. But I received some news from a family member recently, and I'm not sure what to tell them. One of my cousins just discovered she has cancer. She's a single mom with two young kids, and it doesn't sound like she has thought much about the future. What are the best steps she can take financially at this point to make sure her family is protected? Jacki Dear Jacki, I'm truly sorry to hear about this. A cancer diagnosis is a scary thing,...Article Link

Dear Dave, We've been following your plan, and it's been a real blessing to us. Last week, my mother-in-law told my wife they haven't paid their property taxes. They owe ,000, which was originally due in January, but she didn't say why they hadn't paid the bill. I love my in-laws. They're good people, but they're big spenders — and in my mind — a little irresponsible with their money sometimes. We make a good living, and we could help them out. But my wife and I have talked, and we're both afraid this situation may be just the tip...Article Link

Dear Dave, My wife and I are on Baby Step 4 of your plan. Recently, we were offered the opportunity to take part in a three-day, hands-on stock trading class. The only problem is we don't have the ,000 registration fee at the moment. What do you think about us temporarily taking that amount from our emergency fund, then replacing it over a few months' time? We would still have the minimum three months of expenses you recommend still there for emergencies even after taking the class. Pete Dear Pete, I wouldn't waste my money on the course. And I...Article Link

Dear Dave, I just finished paying off my credit card bills from last Christmas, and I've made a resolution that it's the last time I'm going into debt for the holidays. With that in mind, how do you feel about using layaway programs when it comes to buying Christmas gifts, instead of putting purchases on credit cards? Marty Dear Marty, Here's a good rule of thumb for pretty much all spending, not just Christmas gifts. If you can't buy it with cash up front, you can't afford it. The only thing I generally give folks a little wiggle room on...Article Link

Dear Dave, My mom is 76, and the only debt she has is about ,000 left on her mortgage. She has 0,000 in retirement accounts, plus a long-term care insurance policy. But she has just ,000 in a money market account with checkwriting privileges for everyday bills and purchases. To be honest, this worries me. She has always lived within her means, so am I wrong to be concerned? She has also been talking about paying off her mortgage, and I'm not sure how I feel about that, either. I'd love your opinion. Kelly Dear Kelly, You sound surprised that...Article Link

Dear Dave, I stopped contributing to my 401(k) temporarily to help us build an emergency fund a little faster. Things are going slowly, though, and I'm getting worried. My wife and I are both 46, have no debt except our home and we have a combined household income of 0,000 a year. We have ,000 in a single stock, and I was wondering if we should cash out that stock and use the money for our emergency fund. Doug Dear Doug, That's exactly what I'd do. I'd cash out that stock as soon as possible and put the cash in...Article Link

Dear Dave, I stopped contributing to my 401(k) temporarily to help us build an emergency fund a little faster. Things are going slowly, though, and I'm getting worried. My wife and I are both 46, have no debt except our home and we have a combined household income of 0,000 a year. We have ,000 in a single stock, and I was wondering if we should cash out that stock and use the money for our emergency fund. Doug Dear Doug, That's exactly what I'd do. I'd cash out that stock as soon as possible and put the cash in...Article Link

Dear Dave, Our son is in high school, and he has a car and a part-time job nights and weekends. We've worked with him on saving, spending, and giving, but should a teenager have an emergency fund, too? If so, how much do you recommended them setting aside? Dominic Dear Dominic, This is a great question! I'm glad to know you're working with your son and teaching him wise financial habits. I always recommend an emergency fund of three to six months of expenses for adults, and I think that's a fair expectation for teens, as well. He won't need...Article Link

Dear Dave, I had an interview for a sales management position during the first week of January. Since then, I've sent two follow-up emails.One was to thank the human resources representative for their time and for considering me for the job. In the second, I reiterated my interest in the position and desire to work for the company.Was this a proper and professional approach? If not, how would you suggest handling things after a first interview? Tiffany Dear Tiffany, In this situation, I would recommend sending another email. You want to walk right up to that fine line that separates...Article Link

Dear Dave, I can't afford my student loan payments. Is the best approach to send them what I can afford, even if it's not the minimum payment, or not send anything at all until I'm in a better financial position? Sydney Dear Sydney, Here's the deal. Those guys aren't going to stop calling and bugging you, no matter which of those options you choose. But then, you probably already know that. The benefit, however, of sending them or — if the minimum payment is — is you're forcing yourself to start thinking in terms of planning and...Article Link

Dear Dave, I'm 38, and after looking and waiting for years, I think I've found a rental property scenario I like. My plan is to take ,000 out of my retirement account and use it as a down payment on a property. My loan payment would be [post_excerpt],400 a month, but I could easily rent the place for [post_excerpt],800 a month. What are your thoughts? Colin Dear Colin, No offense, but I can tell you've never been a landlord before. Bringing in nearly [post_excerpt],800 a month, while paying out [post_excerpt],400 may seem like a nice place to be. But you've...Article Link

Dear Dave, Do you have any advice for sticking with your goals and New Year's resolutions? I always have great things in mind to shoot for in December, but then they always seem to fall by the wayside before spring. Dear Rae, Believe it or not, setting goals and making them happen is easier than most people think. You just need to keep a few guidelines in mind at the beginning of the process. The first guideline is to be specific. What do you want to achieve? And be super specific when you answer that question. Things like “eat healthier”...Article Link

Dear Dave, My wife and I have been married for two years, and we both have good jobs. Together, we bring home around 0,000 combined. We also have 0,000 in a savings account, and no debt except for our mortgage. A couple of weeks ago, I was contacted about an opportunity to take a job in commercial real estate in my hometown. To be honest, this kind of work has been a dream of mine for several years. The problem is my wife is upset by the idea of moving. She says it's because she doesn't want to be even...Article Link

Dear Dave, A friend told me about your Baby Steps plan, and after years of living paycheck-to-paycheck and running up credit card bills, I'm ready to get control of my finances. I just have one question. Baby Step 1 is saving [post_excerpt],000 for a beginner emergency fund. Do you recommend getting current on past due bills before starting Baby Step 1? Miles Dear Miles, Congratulations! I'm glad to hear you're finally sick and tired of being financially sick and tired. This is the perfect question for someone in your situation, because it gives me a chance to walk you all...Article Link

Dear Dave, I have 0,000 in student loan debt. Since the amount is so large, is there a special place in your Baby Steps plan for it? Jules Dear Jules, I hope you have a nice, large income with which to fight that big pile of student loan debt. I've seen even worse situations, though. I've talked to people who went 0,000 into debt for a four-year degree in a field where they'll make ,000. Yes, that kind of thinking and behavior is out there, and it's ridiculous. The fact that it's a large amount of student loan debt doesn't...Article Link

Dear Dave, One of my credit card bills was turned over to a collection agency, because I was late making payments several times. The agency has offered me two or three different payment options I can afford. If I agree to one of these, does the original creditor get paid, as well? Bethany Dear Bethany, You're facing one of two possibilities. The collection agency is either directly representing the credit card company, or it owns the debt outright. Neither way of handling it is unusual when someone has defaulted on a loan. Here's the deal. You've already got a mark...Article Link

Dear Dave, My wife and I are currently on Baby Step 2 of your plan. We attend church regularly, and we've always made sure we tithed 10 to 15 percent in the past. Do you think it would be okay to lower our tithe while we're getting out of debt and working through our debt snowball? Karl Dear Karl, When you look up the Hebrew word “tithe,” it means tenth. Not 10 to 15 percent — a tenth. I've studied scripture on this subject for about 25 years and taught in Christian settings. But please keep in mind you shouldn't...Article Link

Dear Dave, I have a money market account that I use as both my checking and savings account.I have a debit card and check writing privileges with the account, and I get a better interest rate on my money.Is what I'm doing a good idea, or is it better for some reason to have separate savings and checking accounts? Bonnie Dear Bonnie, It's always good to have a physical and emotional boundary between your savings and the everyday funds in your checking account.This is especially important when you're talking about savings or an emergency fund. There's nothing inherently wrong with...Article Link

Dear Dave, I'm 20 years old, and I'm in a bad spot. I've been a jerk for the last year, not listening to my parents about anything.Now, I've got over ,000 in debt from running up bills on credit cards and writing some bad checks. Two weeks ago, I also lost my job and totaled my car. I'm about to lose my apartment, too, because I don't have the money for rent. A friend of mine said I could stay with him for a while, but I'm really scared.My parents say I created this situation all by myself, and I...Article Link

Dear Dave, My wife and I have paid off all our consumer debt, and we're in Baby Step 3 building up our emergency fund to six months of expenses. When do you recommend buying a new car in the process? Do we have to wait until we've finished all the Baby Steps? Aaron Dear Aaron, Congratulations! You two are taking really positive steps forward in gaining control of your finances. I'm proud of you! Ok, I'm not sure if you're talking about buying a newer car — like a great two- or three-year-old model — or an actual new car....Article Link

Dear Dave, My husband and I began your plan a few months ago. We love the process of living on a budget, and how it has helped us gain control of our finances. Our kids are 14 and 13 now. Do you think it's a good idea to include teenagers in budget meetings and financial discussions? Paula Dear Paula, This is a great question! As long as you're not in an extreme situation, like you're looking at foreclosure or bankruptcy, or you're on the opposite end of the spectrum sitting on a pile of wealth, I think it's a wonderful...Article Link

Dear Dave, I just finished paying off all my consumer debt in Baby Step 2. It took a long time, but I finally did it. Now, it's time to grow my [post_excerpt],000 beginner emergency fund to a full-funded emergency fund. I've been working on this for a while, and I'm glad I'm doing it. But I was wondering at what point can you spend, and have a little fun, when you're following the Baby Steps plan. Mark Dear Mark, Congratulations, buddy! The first couple of steps can be the hardest. I'm really proud of you for sticking with it and...Article Link

Dear Dave, I'm getting married next month, and my fiancé and I are both following your plan. I'm on Baby Step 3. I make ,000 a year and have ,000 in my emergency fund. My fiancé made ,000 a year, and he's on Baby Step 2 paying off his car loan. He has his beginner emergency fund in place, and we already have ,000 set aside for a honeymoon trip. I said he “made” ,000, because the company he was working for just went out of business. He's an experienced heating and air technician, and he has already had a...Article Link

Dear Dave, My wife and I are debt-free, and we live on a budget. My mother-in-law, on the other hand, uses credit cards for practically every purchase. Several times she has gone too far and run up balances she couldn't pay off.We bail her out when she does this, but often the extra purchases are frivolous things she doesn't need.We love her, of course, and we feel obligated to help because my wife is her only child.But her behavior with credit cards is beginning to put a strain on our finances. What should we do? Charles Dear Charles, This is...Article Link

Dear Dave, I follow your advice and live on a budget, but it's really hard to save up for a down payment on a house because property is so expensive on the West Coast. My family thinks I should buy a cheaper property back home, fix it up, and flip it to get the extra money I need. How do you feel about this? Alan Dear Alan, When you take on this kind of work, you need to oversee what's happening every step of the way. You're working out details, keeping an eye on the crew, and it's all on...Article Link

Dear Dave, We've been following your plan for a while. We're debt-free, except for our home, and we have six months of expenses set aside in our emergency fund. Recently, I lost my job. I'm luckier than some, because I received a generous severance package from my previous employer, plus my wife still has a good job. My parents always raised me to take care of things myself and not rely on others. I suppose it's because of this I feel a little guilty about filing for unemployment compensation. Do you think there's anything morally wrong with accepting unemployment benefits?...Article Link

Dear Dave, My wife and I are trying hard to get out of debt and start controlling our finances. We've always given our kids allowances in the past, but we've been considering putting their allowances on hold until we pay off our debt and get in better shape financially. What do you think about this idea? Cody Dear Cody, I'm glad you two are making smart changes in your lives, but I wouldn't stop what you've been doing where your kids are concerned. It can be a series of great teachable moments for them. I would, however, stop calling it...Article Link

I visited Mark Alice Durant at his home in Maryland to talk about his book, Summer of the White Fox, and After, published by Saint Lucy Books. We talk about how Mark came to photography and why he started his own publishing imprint. Summer of the White Fox, and After is a memoir and a monograph, with a touch of history and philosophy weaved into the essay. It is a recounting of grief and loss that enveloped Mark and his family through distinct events and all during the pandemic. It is also a story about experiencing love and care in ways that were, perhaps, unforseeable before all of the tragedies struck Mark's family. https://www.saintlucybooks.com/shop/p/summer-of-the-white-fox-and-after | https://www.instagram.com/saint_lucy_books/ This podcast is sponsored by the Charcoal Book Club Begin Building your dream photobook library today at https://charcoalbookclub.com Mark Alice Durant is a photographer whose photographs, installations, and performances have been presented internationally including the Los Angeles County Museum of Art, the Museum of Contemporary Art in Chicago and Artist's Space in New York. In 1991, he co-founded the performance duo ‘men of the world' that for 10 years performed on the streets of Chicago, Toronto, Seattle, New York, Houston, San Francisco, and other cities. He has written extensively on the nexus of photography, performance and cultural phenomena with essays appearing in such journals as Art in America, Art on Paper, ArtUS, Art Journal, Afterimage, Dear Dave, Exposure, New Art Examiner, and PLUK. Durant is the editor of the online journal Saint Lucy which is devoted to writing about photography, contemporary art and the lovely people of Baltimore. He has contributed to numerous catalogs, monographs and anthologies including The Passionate Camera: Photography and Bodies of Desire, The Gothic, Jimmie Durham and Marco Breuer: Early Recordings. He is author of McDermott and McGough: A History of Photography, Robert Heinecken: A Material History and co-author of Vik Muniz: Seeing is Believing and Dressed for Thrills: 100 Years of Halloween Costume and Masquerade. In 2005, Durant co-curated and co-authored Blur of the Otherworldly: Contemporary Art, Technology and the Paranormal. Durant was co-curator of Some Assembly Required: Collage Culture in Post-War America in 2002 and in 2008, he curated Notes on Monumentality at the Baltimore Museum of Art. He has served on the faculties of the School of the Art Institute of Chicago, UCLA, the University of New Mexico, Syracuse University, and the Milton Avery Graduate School for the Arts at Bard College. He has received grants and fellowships from the National Endowment for the Arts, the Fleishhacker Foundation, the Center for Creative Photography, the Illinois Arts Council, and the MacDowell Colony. Professor Durant received his B.F.A. from Massachusetts College of Art and M.F.A. from the San Francisco Art Institute. Support Real Photo Show with Michael Chovan-Dalton by contributing to their tip jar: https://tips.pinecast.com/jar/real-photo-show

Dear Dave, I'm pretty responsible with finances, but my girlfriend is in a bad situation with her money and her career. She has a huge car payment and lots of credit card debt. On top of this, it takes almost 40 percent of what she brings home each month just to pay rent, and she quit her job because she decided she didn't like it anymore. She's been floating lots of ideas, like filing bankruptcy or moving in with me. She thinks us living together will help her learn to be more responsible with her finances. I'm concerned that if...Article Link

Dear Dave, My husband lost his job four months ago, and we're close to losing our home. I'm working three jobs trying to keep our heads above water, while he's “waiting for the right opportunity.” I understand his feelings, but at the same time I've been encouraging him to find a job like delivering pizzas to help out. Should we continue this way, or should I quit my really hard job, and just let him take responsibility? I love my husband, and I hate the idea of losing the house, but this is driving me crazy. Janet Dear Janet, Many...Article Link

Dear Dave, How do you feel about people taking money out of savings to pay off credit cards? I have an emergency fund in place, like you recommend, and a savings account. I also have about ,000 in credit card debt. What's your take on this? Kellye Dear Kellye, Honestly, I'd rather see you pick up a side job nights or weekends. That's not a ton of debt, and you could have it paid off in just two or three months with a decent part-time job. Plus, it'd keep your savings intact. But if you're determined to do it your...Article Link

What makes for a memorable series finale? For me, it's closure, surprise, and embodies the Irish wisdom, "Leave the table a little hungry; leave the bed a little sleepy, and leave the bar a little thirsty." In this final episode of the Rated Rabbi Sports Card Podcast, we take one last, loving look at the year 1984 and the original inspiration for this show: my 1984, 80-card, PSA-graded Master Set tribute to the 1984 All-Star Game. Has this been a show about Eighties nostalgia? Sports? Pop Culture? Cards? Collecting? Spirituality and seeking meaning? It's been a little bit of everything. On this final episode, we celebrate one more Debra Winger Mail Day and Goose Gossage strikes out Rickey Henderson to seal a 3-1 National League win. We conclude with my answer to the question: What would you today tell the you from 1984? I have deep gratitude for my guests: Dr. Shark, @1956ToppsGuy , The RaSal,  @Iowa_Dave_Sportscards , and Adam K. Many thanks to John Newman and @SportsCardNationPodcast, Danny Black and @hobbynewsdaily , and Jeremy Lee and @SportsCardsLive  for graciously welcoming me as a guest on their shows. And most of all, I feel deep appreciation for all of you who have come along for a ride as viewers and listeners of the show.

Lister receives word from the 3 million year old letter of his old flame that he's the potential father of her incoming child.

Welcome to SHIPWRECKED & COMATOSE, an in-depth podcast dedicated to the classic BBC science-fiction sitcom, Red Dwarf. In this episode, your regular hosts, Kurt North and Mark Adams, are joined by Carl Bryan to discuss episode 5 of series X of Red Dwarf: Dear Dave . Host: Kurt NorthCo-Host: Mark AdamsGuest: Carl BryanEditor: Kurt NorthTwitter: @RedDwarfPodWe Made This on Twitter: @we_madethis We Made This on Facebook: https://www.facebook.com/wemadethispodnetWebsite: https://wemadethisnetwork.com/Support the We Made This podcast network on Patreon: Patreon.com/wemadethis

Welcome back to Thursday Night AMP. Stevie J and Great Sudoku talk about Red Dwarf's "Dear Dave" episode! These shows are made possible by your support on Patreon. RapReviews and AngryMarks share the same server for hosting so any support for either site would be appreciated. Thank you.

"Dear Dave"For Time (15 Min Cap)1 → 10-Ring Dip-Overhead Squat 115/85lbView the Video Version: https://youtu.be/TGghSiv1uXcHire a Coach: https://zoarfitness.com/coach/Submit Your Score: https://zoarfitness.com/tng/Shop Programs: https://www.zoarfitness.com/product-category/downloads/Follow ZOAR Fitness on Instagram: https://www.instagram.com/zoarfitness/Support the show

Every article about Dave Chappelle includes a reference to his jokes about the trans community.  Dave, is this what you want your legacy to be? Enough with the Yondr pouches. Joe Rogan is requiring one tonight. A look at Richard Belzer's comedic chops. Some stories about Tony Clifton and Andy Kaufman's brother. Support the show! Join the $2 Club! at  Buy Me A Coffee: www.buymeacoffee.com/dailycomedynews Listen Ad-Free and get the episodes early with a premium subscription for $4.99/month on Apple Podcasts. https://podcasts.apple.com/us/podcast/daily-comedy-news-podcast-a-podcast-about-comedians/id1474309028 www.linktr.ee/dailycomedynews Facebook group: www.facebook.com/groups/dcnpod - join us to to discuss comedy and your favorite comedians. YouTube channel:https://www.youtube.com/@dailycomedynews?sub_confirmation=1 Instagram is @dailycomedynews https://www.instagram.com/dailycomedynews/?hl=en Reddit https://www.reddit.com/r/dailycomedynews/ AI generated transcripts at www.dailycomedynews.com Twitter is @dcnpod because the person with what I want tweeted once Email: john at thesharkdeck dot com Daily Comedy News commentary includes satire and parody. Daily Comedy News is a production of The Shark Deck, the leading company in short form daily podcastsBuy Me A Coffee: https://www.buymeacoffee.com/dailycomedynewsSee omnystudio.com/listener for privacy information.

In this episode, Dave and Jamison answer these questions: Dear Dave and Jamison, I work for a medium sized startup, and our planning process sucks! We used to do quarterly planning, and it seemed like the product managers had no idea what was going on at a higher level. The big focus seems to have changed every quarter that I've been here, and the whole planning process is a charade: 75% of the so called ‘road map' gets thrown away after a few weeks. Normally, this wouldn't bother me, but I end up spending a lot of time in meetings helping these product managers come up with plausible timelines and making sure that what the business wants to build is actually feasible, and it's bad for my morale to see so much of my work wasted. The product management team heard some of this feedback from me and others, and started changing to ‘continuous planning', but now there is even less structure for when they build the big spreadsheet roadmap for the quarter. They bought new tools, and don't seem to be using them. Should I suck it up and just check out or try and get a license to use the patented soft skills advice and quit my job? Hi Dave and Jamison in no particular order.I have been listening to the podcast for a couple of months now. I have enjoyed every episode and and the advice you give. I am a junior software developer who has been working at a startup 9 months ago. I was offered a remote junior position and accepted even though the company is based in a neighbouring city. This made sense at the time because I would not have to worry about commuting to the office. 3 months ago my manager suggested that I come to the office more often as this would benefit my development and give a me a chance to socialise with my co-workers. We agreed that I go in 3 times a week. Now the past few weeks there has been pressure to start coming to the office full time. I would be fine with this but the problem is that I currently do not own a car and have to rely on public transport to get to work. With public transport it takes almost 4 hours to get to and from work each day (I actually listen to multiple episodes of the podcast on each trip) There is about 40 minutes of walk time included in that because the nearest bus stop is not close to the office. As you can imagine that is physically draining and also affects my work life balance as I spend almost 15 hours of the day either travelling and working. My biggest concern now is that 9 months ago If I was offered this job but as full time on site I would not have even considered it. Do you have any advice with how to refuse going to the office more often without making it seem like I'm opting out of an option that is more beneficial to my career. Thanks in advance.