Sep

For most Americans, college is no longer working. A bachelor's degree doesn’t reliably guarantee what universities say it delivers: an investment that prepares you for the workplace and the world. While the income gap between college and high school grads is well documented, the wealth gap is “indistinguishable from zero” due to unconstrained costs, regardless of race or ethnicity. Put differently, college grads will earn more but because of their student loans, they’ll have the same amount in their bank account as someone who didn’t go to college at all¹ . Barely one in ten (11%) business leaders believe that college graduates have the skills and competencies that their workplaces need² . Instead, employers report recent hires showing up without the requisite skills required to contribute as productive employees³.
Traditional universities spend more on non-instructional initiatives like research and athletics instead of developing knowledge and skills that prepare its students. Today, 1M students annually report that they didn’t enroll or they dropped out of college because of the cost⁴ . Americans carry $1.8T in student loan debt while universities have increased the cost of tuition by 30-40%⁵ since 2010. Economists report that over the next ten years, businesses will have increasingly more job openings for college graduates with no adequate supply⁶ . Additionally, as artificial intelligence threatens jobs across industries, humans will be pushed up or out – up to more intellectually intensive and integrative roles, or out of the workforce altogether. Our nation’s economy needs a sustainable, accessible, and effective approach to college if we’re to compete globally.
SOLUTION Polymath University will produce more-prepared graduates through a three-major curriculum, delivered year-round and remotely to same-city cohorts, who will serve apprenticeships en route to graduation in three years.
A polymath is someone who has built depth, breadth, and integration of knowledge. Specifically, polymaths can operate fluently and with expertise (depth) in three or more non-adjacent domains (breadth), and have built the critical skill of applying concepts and frameworks in one domain to complex problems in other domains (integration). Polymath University empowers leaders and problem solvers to thrive in a more complex and technologically-enabled world.
RANGE Polymath University’s approach to education, and its namesake, is built on ensuring that graduates are curious, creative, collaborative, and critically-minded. Polymaths have been proven to be more creative and more adept at solving complex problems, and more resilient against economic shocks⁷. Building a broad, generalist field of knowledge and expertise, as opposed to the hyper-specialization that traditional higher education encourages, makes graduates more valuable in the world and workplace. According to a 2012 study of serial innovators⁸, polymaths are described as having a high tolerance for ambiguity and as systems thinkers. Polymaths can connect disparate pieces of information in new ways, making them highly effective at innovative problem solving. And they are adept at repurposing what is already available and synthesizing information from many different sources.⁹ A Future of Jobs report highlighted the following skills being increasingly demanded by employers (all of which polymaths excel at): creative thinking; analytical thinking; technological literacy; curiosity and lifelong learning; resilience, flexibility, and agility; and systems thinking.¹⁰
REAL-WORLD APPRENTICESHIPS Polymath University will partner with employers to ensure that its degree programs serve the talent acquisition needs of regional business and organizations, and that those degrees include skill development that is often short-changed by traditional universities. In years two and three, students will serve as apprentices with those employer partners in high-demand, early career roles. Across the country, more employers are building apprenticeship programs as a key part of their talent acquisition strategy, with Department of Labor registered apprenticeships doubling since 2010 to 250,000. Many of these employers pay some or all of the tuition for their apprentices to concurrently earn a college degree.
REMOTE Educational outcomes lead all other priorities for Polymath University, and we must hold this as our north star. This means that the most important activity for faculty will be teaching or the associated development through coaching and mentoring their students. As Polymath University is led by the former CEO of the Pat Tillman Foundation, and counts ten Tillman Scholars on its Advisory Board, the Tillman Scholar community will seed Polymath University’s initial set of faculty, drawing on their service and academic experiences to support student learning. Courses will be delivered remotely, but to same-city cohorts that will facilitate week-long immersive and collaborative in-person experiences as well as informal study groups throughout the year, unlocking persistent relationships and networks within our community.
Learn more at PolymathU.org.
highereducation college education HigherEd StudentLoans Polymath Leadership apprenticeship Apprenticeships University talentdevelopment
¹ Emmons, William R.; Kent, Ana H.; and Ricketts, Lowell R. “Is College Still Worth It? The New Calculus of Falling Returns.” Federal Reserve Bank of St. Louis, Working Paper, Jan. 7, 2019.
² Gallup-Lumina Foundation Poll on Higher Education; Higher Education’s Work Preparedness Paradox. 2013. Gallup; Lumina Foundation.
³ Hansen, Michael. “The U.S. Education System Isn’t Giving Students What Employers Need.” Harvard Business Review, May 18, 2021.
⁴ https://nces.ed.gov/fastfacts/display.asp?id=75
⁵ Kerr, Emma; Wood, Sarah. “A Look at 20 Years of Tuition Costs at National Universities.” U.S. News & World Report. Sep. 23, 2023
⁶ Tough, Paul. “Americans Are Losing Faith in the Value of College. Whose Fault Is That?” NYT, Sep. 5, 2023
⁷ Hanks, Andrew; Jiang, Shengjun; Qian, Xuechao; Wang, Bo; Weinberg, Bruce. (2024). Do Double Majors Face Less Risk? An Analysis of Human Capital Diversification. NBER.
⁸ Vojak, Bruce; Griffin, Abbie; Price, Raymond L. (2012). Serial Innovators: How Individuals Create and Deliver Breakthrough Innovations in Mature Firms. Stanford, Stanford University Press.
⁹ Epstein, D. J. (2019). Range: why generalists triumph in a specialized world. New York, Riverhead Books.
¹⁰ Future of Jobs Report; World Economic Forum. 2023.

I owe about 120k on a house I bought for 170 interest rate is below 4 percent
I have that in an individual brokerage, I’ve had the money in it since the 1st of the year, I’ve made about 15k.
I have about another 40k in my savings. Should I pay off my house ? Or keep the the money in my stock account and just keep making minimum mortage payments?
I have 90k in a sep ira
I’m mid 30’s
I have a small business with a decent chunk saved up in business checking (enough to keep my business healthy )I’m a contractor, I’ve gone back and forth about putting money into my business and try to scale , but that relies heavily on finding labor. And so far I’ve just wasted money on that. I’m kind of accepting the fact that I’m going to just be a one crew business and I’d be ok with the money coming in, even though it’s physically demanding.
I would greatly appreciate some input, the people I ask in my everyday life give contradicting advice.

The last time hashtags really worked for me was when I was at an event Sep last year & had the event exclusive hashtags along with a few other general ones. It also kind of worked at a concert last fall & another event this year but I felt I had to keep reposting the hashtags in the comment section a few times with not as much attention compared to when I used them in previous posts. Not to mention I’m usually private but go public when I use the hashtags. Advice? And are there tips that can help especially if you’ve already posted?

How long will it take to get approved once your medicals are received by local field office ? To brief sep 2021–Applied,, March 2022–Got first RFE,, April 2022— RFE received,, May 3rd ,2024 —-Second RFE for medicals from Local field office (Actual medicals expired) ,, May 6th, 2024 —-Submitted RFE through priority mail ,, May 14—RFE received by USCIS status
Wondering how long will it take more to get approved. Any idea guys ?

My wife and I are planning a 20 day Europe trip, from Aug 14 -Sep 3. We will leave from Houston, Texas. This is our first time in Europe, we are both 30 and are decently fit, we can manage long walking and some beginner-medium hikes/trails. We don't smoke or drink, and enjoy immersive activites but also love visiting historial sights like musuems, etc.
We plan on visiting Manchester, London, Paris, Switzerland, and Italy. Below are the days we want to set aside for each.
Manchester: 2.5
London: 4
Paris: 2.5
Switzerland: 3.5
Italy: 4.5
Flight Days (Houston - Manchster, Rome - Houston): 2
We plan on flying in directly to Manchster and working our way through these countries/cities to end in Rome and fly back from there. I had a couple of questions about our trip.
1) Is there any issue with the dates we picked, should we know about any events, weather, or anything else? I know the Olympics are in Paris but we will be there more than a week after they finish. If the dates need to be moved around we are open to that.
2) Is there any issue with the route we picked? What would be the best methods of transport? I assume train would be best. Any passes we should look into getting?
3) For Italy/Switzerland what would be the best cities/locations in your opinion to visit. I know this is a hard question to answer and varies from person to person.
4) Are there any other things we should book in advance?
5) Any other general tips or advice?

My wife and I are planning a 20 day Europe trip, from Aug 14 -Sep 3. We will leave from Houston, Texas. This is our first time in Europe, we are both 30 and are decently fit, we can manage long walking and some beginner-medium hikes/trails. We don't smoke or drink, and enjoy immersive activites but also love visiting historial sights like musuems, etc.
We plan on visiting Manchester, London, Paris, Switzerland, and Italy. Below are the days we want to set aside for each.
Manchester: 2.5
London: 4
Paris: 2.5
Switzerland: 3.5
Italy: 4.5
Flight Days (Houston - Manchster, Rome - Houston): 2
We plan on flying in directly to Manchster and working our way through these countries/cities to end in Rome and fly back from there. I had a couple of questions about our trip.
1) Is there any issue with the dates we picked, should we know about any events, weather, or anything else? I know the Olympics are in Paris but we will be there more than a week after they finish. If the dates need to be moved around we are open to that.
2) Is there any issue with the route we picked? What would be the best methods of transport? I assume train would be best. Any passes we should look into getting?
3) For Italy/Switzerland what would be the best cities/locations in your opinion to visit. I know this is a hard question to answer and varies from person to person.
4) Are there any other things we should book in advance?
5) Any other general tips or advice?

24yo she/her looking for roommates! 1000$ MONTHLY MIN MID AUG-SEP 1 MOVE IN Going to SAIC for my masters in architecture! Need somewhere to live by the time classes start. Ideally nearby the school or subway stops, would like a half hour max commute to school. Ideally would like roommates I can be friends with since I don’t know anyone! I’m pretty artsy and love music, anime, going out and cats. I have a pet gecko named Satchmo. Don’t really care about gender or sexuality (but I ’m a bi cis woman if you do.) Please DM if you want to talk more!

Avant toute chose, merci pour votre aide.

• Situation:

En primaire/collège je détestais la svt et les sciences globalement, mais avec les bons profs j'ai réussi à en faire une passion. J'ai fais un bac ST2S (bac techno axé sur la bio et la santé publique) mais au lieu de suivre les chemins classiques comme l'ifsi ou autres études paramédicale, c'est vers la fac (L1 Science pour la santé) et la las (option ajouté a une Licence permettant de candidater pour médecine en partie) que j'ai décidé de m'orienter. La différence de quantité de cours était immense, mais comme c'est ma passion j'ai réussi à tenir, et je pense maintenant que j'ai fait une première correction de mes épreuves, qu'il y a des grandes chances que je sois accepté en médecine. J'adore réviser, et réviser toute la journée n'est pas une chose qui me fait peur. En parallèle je suis actuellement en couple avec une fille en DCG (permet de devenir comptable voir expert comptable si poursuite en bac +8)

• Problème:

Je n'ai actuellement rien contre les vaccins, je suis même contre, mais un est obligatoire pour accéder a médecine: hépatite b. Il y a une paire d'année, une polémique a éclaté affirmant que celui ci causait des cas de sclérose en plaque (maladie pas ouf à avoir au quotidien, et dont la gravité et les conséquences ne sont pas les mêmes pour tous). Actuellement je m'en fou des polémique comme ça, mais ma tante en étant jeune a fait ce vaccin et a été diagnostiqué de la SEP un peu après. (mon autre tante et ma mère eux n'ont rien eu). psychologiquement je n'arrive pas a le faire, j'ai peur de tellement de choses: et si ce vaccin donne réellement la SEP a une sous population non identifié génétiquement ? et si ce vaccin est vraiment nocif mais c'est étouffé par conflit d'intérêt ? et si ce vaccin ne fait rien, mais que je le choppe par hasard: toute ma vie je vais regretter ?. Je sais que la balance bénéfice/ risque est de mon côté, que je risque moins a faire un vaccin protégeant d'une maladie potentiellement mortelle plutôt que d'avoir peur d'un risque présumé, mais concrètement j'ai tellement peur de regretter d'une façon ou d'une autre de faire ce vaccin.

• Les différentes options se présentant a moi:

a) La médecine: quand je vois les programmes je sais que c'est CA qui me plaît, c'est réellement ces programmes qui me font quelques chose et qui me donne envie, faire médecine c'est réellement un rêve.
b) Continuer en licence puis en master: La fac c'est de ce que je vois, deux options: -le doctorat qui est pas du tout mis en avant, flemme de me donner corps et âme pour un métier et être payé un SMIC alors que j'ai bac+8 -tous les autres métiers parallèle à la recherche (assistant de recherche clinique, pharmacovigilance etc) mais ça me semble être des métiers tellement peu concret, qui au final s'éloigne pas mal de la bio tel qu'on la voit a la fac? j'ai réellement l'impression que la fac de science c'est de la branlette intellectuelle sauf pour les doctorats. en gros si je reste a la fac je ne ferais pas de doctorat, donc les études c'est cool je vais kiffer ça je ne dis pas le contraire, mais une fois dans la "vrai vie" je vais vite me faire chier.
c) abandonner la santé pour aller en DCG (compta). oui c'est un domaine qui m'est inconnu, mais je me dis que j'ai réussi à aimer les sciences car je les ais travaillé ? pourquoi pas la compta ? pis si je suis destiné à faire un métier qui ne me plaît pas, autant que celui ci soit plus concret, avec une plus grande embauche, et avec une évolutions en terme de salaire plus "assuré" ? finalement je me dis que si j'ai le courage de penser a médecine, c'est pas étudier quelque chose de full nouveau qui devrait m'effrayer (au sinon c'est médecine que je devrais abandonner)?
d) les épreuves du DCG peuvent se passer en candidat libre, je pourrais aussi tenter de rester à la fac au cas où j'accroche pas du tout au monde de la compta, et bosser à fond pour avoir le dcg en même temps ? comme j'aurais plus mon option santé ("médecine") ça va diviser par deux mon travail lié a la licence rajouter les cours du DCG va juste au final me donner la même quantité de travail que j'avais de base cette année.
donc l'avantage de combiner DCG et fac c'est pouvoir rebondir si ça me plaît pas, mais en contrepartie j'aurais moins de possibilités d'entraînement. aller en DCG sans la fac en contrepartie me bloque les portes de la fac, mais m'assure plus le fait de réussi le DCG. (si je tente la compta, j'aimerai viser le plus haut possible)
Breffff je suis assez perdu je ne sais pas quoi faire, merci aux courageux qui liront tout, désolé pour les fautes, merci d'avance pour les conseils !

hi gizzheads !
i’m going to my FIRST gizz show after listening for 3 years, and i’m anxious as hell because i’m going solo as hell. i had a gnarly breakup and so i’m gonna fly solo, does anyone have any recommendations to make it a good experience? i really want it to be a night i remember because i’m a huge concert person, but i don’t want it to be a bummer cause i’m going alone! do you often make friends or find people to hang with at a venue like this? i’m planning on camping too idk if that helps
thank you friends !!!!!

https://www.oculus.com/appreferrals/NetroRX/3590778937626214/?utm_source=oculus&utm_location=2&utm_parent=frl&utm_medium=app_referral

Hello all. Looking to offload a bunch of my manga. There’s both some OOP sets as well as some common series.
PLEASE NOTE…..
I AM NOT CURRENTLY LOOKING TO SPLIT SETS PLEASE DONT ASK FOR SPLITS.
ONLY US SHIPPING.
I AM OPEN TO OFFERS.
Full DISCLAIMER that I have not read any of these series. They have been bought either new or used and have been sitting on my bookcases this whole time. There is varying degrees of yellowing from series to series and volume to volume. Most have some degree of normal shelf wear. There may be ripped/marked pages or even missing pages (although I doubt it as most of the volumes as you’ll see in the pictures are in overall good to great condition).
They have been kept away from sunlight (blackout curtains on the bookcases) and my apartment is a non-smoking apartment.
All series have pictures of the series as a whole as well as what I can visually inspect and find anything on the outside of the volumes. PLEASE LOOK AT THE PICTURES TO SEE THE FULL CONDITION OF THE SERIES. If you need any clarification or more pictures of a series or a volume please let me know and I can get more pictures or clarify the extent of the damage if there is any.
All packages are shipped using Media Mail or whichever method is cheaper unless otherwise discussed for a different option. Any Package over $200 will have a signature required
I will ship these out as promptly as possible.
UPDATED TIMESTAMP https://imgur.com/a/6kmVDqF
MANGA FULL/PARTIAL SETS
GTO 14 Days in Shonan 1-9 $199: https://imgur.com/a/BDAxPLk
Tokyo ESP 1-8 $75.8: https://imgur.com/a/HLYaKIv
Jack the Ripper 1-5 $64: https://imgur.com/a/dAnXyNu
Doubt 1-2 (G3) $25.5: https://imgur.com/a/eCGFXh7
As Miss Beelzebub Likes 1-8 $77.3: https://imgur.com/a/d4SxSvF
Helvatica Standard Italic and Bold $25.5: https://imgur.com/a/0yVvc5a
Sickness Death 1-2: $22.5: https://imgur.com/a/DC5aY8C
Moteki 1-2: $31: https://imgur.com/a/owHeRFd
7th Garden 1-8: $55: https://imgur.com/a/vMDFKOS
Lament of the Lamb 1-5 $38.5: https://imgur.com/a/uJL4TWi
A Centaurs Life 1-16 $110.5: https://imgur.com/a/kEjlS3I
Not Lives 1-10 $54.8: https://imgur.com/a/9xHc3s3
Ultra man 1-3 $25.5: https://imgur.com/a/IxhKha3
Steins Gate 1-3 with volume 1 Loot Crate Ed: $73.9: https://imgur.com/a/ozbXByP
Cat Paradise 1-5 $48.8: https://imgur.com/a/C0NHRcS
Afterschool Charisma 1-12 $104.5: https://imgur.com/a/dqgSepT
Franken Fran Omnibus 1-4 $105: https://imgur.com/a/HUuzIyf
Croquis Pop 1-6 $59.3: https://imgur.com/a/9AAqQdd
Blue Dragon: Ral Grad 1-4 $40: https://imgur.com/a/OgXOTRi
Nora: The Last Chronicle 1-9 $65: https://imgur.com/a/z1gKt6K
Holy Corpse Rising 1-7 $68: https://imgur.com/a/0zMAmVL
Evergreen 1-4 $30.5: https://imgur.com/a/X4kHQJl
Tomodachi x Monster 1-3 $20.5: https://imgur.com/a/vgtS0OI
Clay Lord 1-3 $20.5: https://imgur.com/a/Iiglf8K
Die Wergelder 1-2 $30.5: https://imgur.com/a/j845ceF
Handa-Kun 1-7 $73: https://imgur.com/a/OzHnY01
Clockwork Planet manga 1-10 $99.9: https://imgur.com/a/RhTZ7UI
Himouto Umaru-Chan 1-10 $102: https://imgur.com/a/vxctepq
Immortal Hound 1-6 $57: https://imgur.com/a/mchdje7
Drifting Classroom singles 1-11 $235: https://imgur.com/a/ocIEFQj
To the Abandoned Sacred Beast 1-9 $68.4: https://imgur.com/a/drRKrM5
Zero Familiar Omnibus 1-3 $79.6: https://imgur.com/a/h8ZbSPk
Zero Familiar Chronicles 1-4 $30: https://imgur.com/a/VoJpHEY
Genshiken 1-9 $55: https://imgur.com/a/FYgcBNP
Nirvana 1-2 $14: https://imgur.com/a/iZM0Ykl
Arpeggio of Blue Steel 1-15 $210: https://imgur.com/a/jrZpjQa (ON HOLD)
Dragon Drive 1-14 $140: https://imgur.com/a/1vOAIAk
War World Blue 1-7 $39: https://imgur.com/a/S1EvMxf
Ancient Magus Bride 1-12 including special booklet $89.4: https://imgur.com/a/MZYOyrm
Grand Blue Dreaming 1-9 $81: https://imgur.com/a/ThkB6uR
Servamp 1-13 $143.3: https://imgur.com/a/eUmYvOr
Urusei Yatsura 1-7 $105: https://imgur.com/a/X1oFmkV
Devils and Realist 1-15 $192: https://imgur.com/a/HPygdtC
D-Frag 1-13 $195: https://imgur.com/a/LRu7jWN
Ajin Demi-Humans 1-14 $132: https://imgur.com/a/CWqqu76
Haganai 1-18 plus 50% more fails and Club Minutes $490: https://imgur.com/a/pe9miPe
Shield Hero Manga 1-4 $36: https://imgur.com/a/ngj3RO7
Delinquent Housewife 1-4 $38.4: https://imgur.com/a/JIX0eHj
H.P. Lovecraft At Mountains Madness 1-2 $28: https://imgur.com/a/otM8XMY
Kuma Miko 1-8 $72.6: https://imgur.com/a/gKwpXob
Yokai Rental Shop 1-4 $35: https://imgur.com/a/nV0ogZe
Ghost Diary 1-3 $26: https://imgur.com/a/LV4v7Hp
Didn’t I Say to Make My Abilities Average 1-3 $37: https://imgur.com/a/SGkl3be
Land of the Lustrous 1-9 $88.5: https://imgur.com/a/7XyfHzS
Emannon 1-3 $33: https://imgur.com/a/6Z1jkKp
LIGHT NOVELS FULL AND PARTIAL SETS
No Game No Life 1-10 97.3: https://imgur.com/a/6OIObXb
Goblin Slayer 1-9 $83.2: https://imgur.com/a/wLT1Yk6
Spice and Wolf LN 1-21 $231: https://imgur.com/a/h30MTQm
Wolf and Parchment 1-3 $33.5: https://imgur.com/a/6fhsX0P
Grimgar of Fantasy and Ash 1-13 $126.9: https://imgur.com/a/5ltzcKQ
Haruhi Suzumiya Hardcover Light Novel 1-11 $393: https://imgur.com/a/42QCvgn
Another Hardcover LN $21.7: https://imgur.com/a/UIiTYMu
Another Episode S/O HC LN $19.8: https://imgur.com/a/GX4YAg9
Pretty boy Detective Club LN 1-3 $31: https://imgur.com/a/xIE9M4p
Ancient Magus Bride Silver Yarn $9: https://imgur.com/a/DpBEsOB
Ancient Magus Bride Golden Yarn $9: https://imgur.com/a/Z56HdfE
SINGLE VOLUMES
The Mysterious Underground Men $95: https://imgur.com/a/xff7GkK
Haruhi Manga Anthology $16: https://imgur.com/a/B0xCET1
Another Omnibus Volume $20: https://imgur.com/a/GBOhHVF
Summer Wars $18: https://imgur.com/a/Fz3CWvq
Gantz (32,33, 35, 36 sold) 10, 12, (10 & 12 are ex library copies) 34 still available, SOLD INDIVIDUALLY NOT AS A SET. $45 for v34, 10 and 12 for $14 each: https://imgur.com/a/0ETgC1t
Dream Fossil $17.8: https://imgur.com/a/M4d07mD
She and Her Cat $10.5: https://imgur.com/a/ugTlUci
Venus in the Blind $19: https://imgur.com/a/hLuIyFJ
Scumbag Loser $16.5: https://imgur.com/a/FZuhHni
Ancient Magus Bride Supplement 1 $9: https://imgur.com/a/pqYAxti
Ancient Magus Bride Supplement 2 $9: https://imgur.com/a/aXYOknU
Ancient Magus Bride Merkmal Official Guide book $9: https://imgur.com/a/t26T7G3
Gigi Monster with slipcover $30: https://imgur.com/a/WpiNfNu
Maiden Railway $8: https://imgur.com/a/GzDKh4O
An Invitation from a Crab $10: https://imgur.com/a/t3UGJiE
A Girl on the Shore $11.5: https://imgur.com/a/EKbvRQY
PEZ $8: https://imgur.com/a/uUxTgZN
ARTBOOKS/ILLUSTRATIONS
Tokyo Ghoul are: Zakki $15: https://imgur.com/a/CoNXxX4
D.Gray Man Illustrations NOCHE $25: https://imgur.com/a/zot5KUc
The Art of My Neighbor Totoro $30: https://imgur.com/a/ECaDNkx
Otomo: $19: https://imgur.com/a/P5gPysl4

i moved from my apartment one bedroom on Sep.30.2023 with a very good condition for the apartment like new. and i have video and pictures for everything.
my lease was month by month but has 60 days notice. i inform the landlord 50 days before leaving the apartment because i was buying new house and my wife was pregnant and we have baby 3 years and we will get a new baby on December that is why we need to move bigger apartment. then after moving the landlord refused return me back my security deposit check.
i make a small claim in small claim court and i get order from the judgment to get my money back with double amount.
after this the landlord sue me with small claim saying she need one month because she said i didn't inform here by writing in 60 days before moving.
and i informed here by message on Facebook on Aug 13 2023 I'm moving out September 30 2023.
My trial will be may 30, only i need your help how can i success in this case without paying the one month. what shall i say to the judgment in the court.

​

September 2014 R3 Results:	nocopyrightsounds	monstercat	pollgames	EDM	polls	anything	Teenager_Polls	musicsuggestions	PollsUnlimited	Polls4Days	SongRecommendations	PollsUncensored	Total Votes:
Turn Around (Grabbitz)	1	19	3	2	1	1	4	1	1	1	1	1	36
Triumph (WRLD)	1	7	0	0	5	0	5	1	0	0	0	0	19
Fly (San Holo)	1	2	2	6	4	0	1	0	0	0	0	0	16
Circles (Lensko)	5	1	0	1	1	0	1	0	0	0	0	0	9
War (Astronaut, Far Too Loud)	0	6	0	1	0	0	0	0	0	0	0	0	7
All You Are (Memtrix)	0	2	0	0	1	0	0	0	0	0	0	0	3

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I've read enough on here (and elsewhere) to feel fairly confident in this plan, but a little feedback would be great as I'm relatively new to investing on my own.
Background: 31yo, have been with a FA for ~9 years who steered me into American Funds. (Currently 80k AMCAP, 80k AMRMX in an investment account and 40k CWGIX, 40k ANCFX in a Roth IRA. These have .57-.75% expense ratios.) FA wants to move things to comparable Schwab ETFs and would charge .5% annually (plus maybe they make other commissions depending on the funds? Feels obfuscated.).
Plan: Ditch the FA and move funds into 3 Vanguard accounts - brokerage, Roth IRA, and (new for me) SEP IRA.
Would put a 2055 tdf (VFFVX) in both SEP and Roth and 63/27/10% resp. into US/Int/Bnd index funds for the brokerage (VTSAX, VTIAX, and VBTLX). Reason being, tdf better in the tax-advantaged, and slight tax/expense ratio advantage & ability to tinker with the 3-fund (versus VTWAX or tdf) in the brokerage.
Contributions to SEP and Roth would come first (~10-15k/year) and anything else (up to 5k, variable due to self-employment) in the brokerage. Any rebalancing done through contributions or once a year.
Also have 100k I want available as a potential home down payment to put in a HYSA or MM with Vanguard and 30k in stock gifts that I'm thinking to leave as is (equal parts MSFT, NKE, ARKK - the latter at FA's suggestion instead of JNJ). *And I have an emergency fund with ~1 year's expenses. No plans for children with my partner.
Thoughts or glaring oversights?

If I could cross train I’d stay active duty. But I seriously cannot continue to do this same job anymore.
BUT I totally forgot I was promotion eligible. I highly doubt I’ll make MSgt this is year but if I do it really would suck to get that pay increase just to leave.
Ugh. Now come the conflicting thoughts.

My roommate wants to leave, I'm okay with that. Her conflict resolution and lack of communication skills, coupled by her severe autism doesn't make for a good situation. She found herself in a bad situation in her last apartment and I bailed her out by allowing her to be a user on one of my credit cards. She charged it to the max. I was okay with that as long as she made extra payments and I was willing to give her as much time as she needed to take care of it. So forward to now, I'm not interested in continuing a friendship with her after she is off the lease, but I am holding back letting her out of the lease until the card is paid. I recommended that she get a loan for it. Our lease ends in Sep 2025. I feel if I give her what she wants she will just walk out of her promise to pay what she charged I will be stuck with the bill.
Is it unreasonable for me to not agree to dropping her from the lease until this condition is met?