Thanks for the tips. I get extremely overwhelmed when it comes to numbers and mathing. Used to be pretty decent at understanding it all, suffered a pretty bad concussion years ago and now pretty much anything involving numbers I might as well be reading ****ing hieroglyphics, so it takes a good bit of research for me to get a pretty basic understanding. Couple that with having parents that aren’t good with finances whatsoever and didn’t know anything to pass to their kids, it’s a struggle