A person will not be accountable for stray thoughts

Q: Is it really so that our evil thoughts are forgiven so long as we don't bring them in action because of the hadith in bukhari narrated by Abu Huraira (radhiyallahu anhu):

The Prophet (sallallahu alaihi wasallam) said, "Allah has forgiven my followers the evil thoughts that occur to their minds, as long as such thoughts are not put into action or uttered." And Qatada (radhiyallahu anhu) said, "If someone divorces his wife just in his mind, such an unuttered divorce has no effect." Sahih al bukhari hadith no 5269

Pulling the wishbone on Thanksgiving

Q: There is a tradition on thanksgiving where 2 people pull the wishbone of a turkey and whoever is left with the bigger part of the bone that persons wish will come true. I know celebrating thanksgiving is not allowed and I know that only Allah grants things, but if I pull the wishbone with my cousin not with the intention of getting my wishes come true but with the intention of just having fun, is it kufr?

Making taqleed of one darul iftaa

Q: Kindly advise me on the following:

have been taught that to make Taqleed is Waajib in terms of Fiqh related matters, that is why we make Taqleed of the 4 Imaams.

Due to multitude of Fitan that are present in the Ummah today, is it Waajib to make Taqleed of a fatwa department or 1 of any of the organisations Or what should be done?

Hajj for a person in debt

Q: I have question regarding Hajj. I have taken a loan from my father in 2018 of $65,000 for home purchase in order to avoid interest bearing transactions. Terms we decided were that I will pay when I have the ability to pay back and Alhamdulilah I have been paying back on a monthly basis and have reduced the remaining amount to $19000.

I have $70000 in 401K, cash balance around $8000. I own 50% of the house with my brother and a car (resale approx $5000 value).

My question here, is Hajj Fard on me right now?

If I decide to save for Hajj right now if Allah wills then it might be possible to save enough for Hajj (it might be possible that I may not be able to save enough or visa/qouta issue). But my loan from my dad will be still $19000. What should be my priority to first complete? If Hajj is not fard then can I go for Umrah?