imho i'm trying to bank as much money as possible. if i hit $1.2 million in 3 years, i can leave law and become an arbitrator. i'm at about $300k in taxable accounts now. i can do it.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49105855)

age?

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49105873)

Yes I am terrible with money, but also, in some ways money seems fake at this point too. I mean if you want to do things in life you have to spend money and it may not always be the optimal time but you do what you can with what you got and you pick yourself up and go back to work in the morning.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106058)

Net worth: About $2.2M

Total spent on car payments in my lifetime: $0

I only buy shitty used cars and drive them into the ground. No point in spending more money than necessary on a rapidly depreciating asset. Maybe I will buy a nicer car some day when I feel like I have maed it, but until then, I would rather save more money so that I can quit wagecucking sooner.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106183)

how much sex do you typically have?

fav positions?

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106199)

are you coping well with your wife's diagnosis? i hope she is able to beat it.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106219)

4 years ago when she was diagnosed was a bad time. she is on medication and has been mostly stable for the last couple of years.

stage 4 means the cancer has spread from the original part to a different part of the body. this is considered incurable. but the doctors will try to elongate life as much as possible.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106281)

my poasting during my substance abuse spiral is very well known here and i wronged my wife many times. we got back together in 2022 and i was kinda rocky at first, but it's very good now. we've been together since 2005 and in the last couple months it's all come back to me how in love we were when we first got togehter, and i feel like that again. plus she still looks about the same, which is cool.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106322)

and that's awesome, man. hope u have many more years together.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106352)

$7k on mine

Then they’ll be paid off and I’ll need a new one and start the Hebrew cycle over again.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106411)

if you're you buy a new car and there's an incentive below market rate it's kinda stupid not to. even ordinary rates. if you can cop 6% and invest what you would have paid for it into the market earning a conservative avg 10-12% per annum, why wouldn't you?

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106867)

Of course, if the car loan is 0% or 1%, you take the loan every single time. I would definitely take the loan if the interest rate is below 5%. But it gets a little more questionable for higher interest rates.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49107715)

If you have cash to burn, sure, go for it.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49106982)

Outlay for a car shouldn't be significant from an investment perspective relative to your income or financial holdings. If it is, you're allocating way too much to vehicles. (Which is, of course, exactly what people selling cars want.)

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49107405)

your second paragraph is completely nonresponsive. of course it's a minor consideration for people buying cars within their means.

it doesn't fucking matter what you're borrowing money *for* for personal use. what matters is the terms of the loans. if i have $100k and am buying an appreciating asset for $50k and depreciating one for $50k, and i want to finance one so i have $50k to invest, then it doesn't matter which one i finance all things being equal. if anything, you'd prefer to finance the depreciating asset because the lenders secured interest is decreasing. if you ran into trouble you'd rather the bank have a lien on something that had decreased in value.

dumbfuck.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49107494)

I asked if I could just pay off the whole loan the next day, apparently that fucks the dealer over but if you make three monthly payments then it "counts" for them.

(http://www.autoadmit.com/thread.php?thread_id=5751010&forum_id=2)#49107429)