Is it necessary to plan a budget if I’ve been able to save a decent amount every month?

Is there anything called federal student tax? Got a call from the IRS and then 911 yesterday. I'm scared.

Hello I am trying to figure out if Golden valley lending is legal? Or a cso, I live in Ohio and it seems like I have paid them so much. Thank you

My credit is declined in spite of having a good score. Can it happen? Can there be any other reason for a credit denial?

I got a call from a debt collector regarding tax. He said I owe $450 to the IRS. Really? Do private debt collectors work for the IRS?

Is there anything to do if I see a charge on my credit card statement, which I’m not aware of. I’m wondering - Do I have to pay the amount? But, why will I pay it if I haven’t purchased anything?

Can a debt collector pull my credit report?

I have researched and have not found a license for the state of Ohio, they say it doesn't matter since it isn't a payday loan but an installment loan. I have paid back all principal to them plus additional $77, I know I won't ever see that over payment. Just making sure I am correct that I do not owe them even though they say they are a legal.

I guess how much is sufficient to live a stress free life after retirement? Is there any formula to calculate? I am now in my 30s. So, how will I know how much I'll need after my retire?

What can happen if i don’t pay off payday loans? Can lenders send me to collections? I have to pay credit cards, house rents and utility bills. So, I’m thinking to stop making payments on payday loans for a while. I will have a talk with the bank after a few days. Any advice?