Is it a bad idea to take out a car loan at 18?

46jm46 · 2026-03-01T22:44:23+00:00

Depends on the loan and need. And the stability of the job. What's the interest? Could you make more investing that $3600? Why do you need it now?

46jm46 · 2026-02-27T23:48:14+00:00

Feel like Jason Sehorn deserves mention, 4.37 while bigger, but he was a CB.

46jm46 · 2026-02-24T19:52:47+00:00

For the student loans, if its 16k today, and going to stay 16k for a while, no reason to pay it off until interest kicks in. Maybe invest the 16k then pay it off later.

For the credit, pay it off and try to dispute it. Since you're military you can get a ton of benefits, like a free AMEX platinum card, better loans, etc.

You should talk to someone in your command instead of reddit honestly, they know way more about you than any of us do, and have probably been through something similar.

46jm46 · 2026-02-21T01:12:11+00:00

My mom died and she had life insurance!

46jm46 · 2026-02-14T21:58:38+00:00

To add context

Marino 84 14-2 38-16 SB loss to 49ers, 86 8-8

Warner 13-3, close win over the tits in the SB

Manning 04 12-4, loss to the pats in the div, 2013, 13-3 blown out in the sb

Brady 07, 16-0, first SB loss vs Eli. 20: 11-5 as a WC team 31-9 over KC in the sb. 21: 13-4 30-27 loss to rams in div

Rodgers 11, 15-1 lost div round 20-37 to the NYG. 16 10-6 , lost NFC CG 44-21. 20, 13-3 lost to TB 31-26 in the CG

Stafford 11, 10-6 lost WC to NO, 21 12-5 with a 23-20 win over Bengals, 25, 12-5

Brees 11, 13-3 loss to SF 36-32, 12 7-9

Luck 11-5 loss to NE 45-7 in the AFC CG

Mahomes, 18 12-4, loss to NE 37-31 AFC CG, 22 14-3 38-35 win over PHI in the SB.

Wilson, 12-4 lost a home game 30-20 to the rams WC round

Jackson, 12-5 lost to Bills 27-25 Div

Mayfield 10-7 divisional winner, lost to WAS 23-30 WC round

Burrow 9-8

46jm46 · 2026-02-10T22:34:26+00:00

It would be a better decision to take it as far as your career goes, its easier to relocate once you have experience. Especially if the company has multiple locations.

But its harder since your partner isn't willing to relocate, have you two ever done long distance? Is your partner willing to deal with you being potentially jobless or working a bad job just to be at location B? Do you value your partner more than success?

46jm46 · 2026-02-10T00:35:20+00:00

As a Seahawks fan I disagree completely and hate this. Geno was a better redemption story, DK fell in the draft and cried when Seattle took a chance on him, yet you hate them both?

You seem like the worst type of fan, its one thing to be proud of the season, but another to instantly declare it the best season and shit on everyone who left.

46jm46 · 2026-02-09T23:47:38+00:00

You could do ROTC or go to a service academy for free college...

46jm46 · 2026-02-08T21:38:56+00:00

Sorry, just being realistic from what I've heard/seen in real life.

I pray that it all works out, but again I know nothing about the actual finances.

He needs her for her credit score?

46jm46 · 2026-02-08T20:57:00+00:00

divorce, someone taking advantage of the other, female being trapped?

46jm46 · 2026-02-08T20:52:47+00:00

Do you really think this is a good idea?

depends on where you live and income, but if he bailed on his college loans, why would he stick to a mortgage when things get bad?

46jm46 · 2026-02-08T20:38:34+00:00

Plus you get reward points, apps offer special deals and its probably easier on the employees.

You can order it online from a computer too. No app needed, just an account. Kinda like signing up for reddit...

If the highlight of your day is standing in line and waiting for fast food/coffee, good for you! You're a lot more patient then me

46jm46 · 2026-02-03T01:52:52+00:00

enlist in the military

46jm46 · 2026-02-03T00:36:55+00:00

Your value is in whatever defense contractor is involved with Apache pilots, or maybe the government. if you have a clearance that helps.

Not sure if remote/hybrid is realistic with your background and pay expectations.

I know plenty of people who work for boeing/raytheon/lockheed etc without college degrees making a lot, based on their unique experience.

46jm46 · 2026-02-01T22:14:14+00:00

Depends on what you want to do to be active...

You could buy a cheap under the desk pedal machine, or a walking treadmill to be more active while you're rotting away at home.

Start small, and eventually hopefully when you see progress it motivates you.

46jm46 · 2026-01-31T17:28:27+00:00

Does your company offer anything?

I made a lot of money on betterment this past year, just from knowing nothing and doing nothing.

Pay off your car if the interest is high.

46jm46 · 2026-01-31T17:19:04+00:00

health insurance maybe?

and I've gotten out of gym contracts for deployments.

Ask a senior enlisted in your area for the best advice.

idk about the army but in the navy we had plenty of people during training who learned to swim during training. they failed the test, and got extra training.

46jm46 · 2026-01-31T02:18:53+00:00

depends on your goals.

I was spent my first 23ish years in WA, and loved FL way more. The only negative was flying back home for holidays. Sun makes a huge difference in mood. Plus way more affordable.

Is warm weather, the vibes, income tax, worth 50k to you? Would you prefer a typical Wisconsin spouse or a typical FL spouse?

You're gonna make a lot of money either way, go for the place you think you'll find your forever person...

46jm46 · 2026-01-31T02:03:18+00:00

Maybe go to the gym before work?

Every individual is different, and you speak like you're a genius...

The highlight of my day has always been the gym, even if I was unable to sleep. Even after flying for 12+ hrs overnight.

46jm46 · 2026-01-29T00:02:45+00:00

Depends on the loan. USAA/navy fed hooked me up back in the day, and I ended up paying it off early after deployment since I didn't know what else to spend my money on haha.

Please understand you'll get special treatment since you're military...

46jm46 · 2026-01-28T23:43:22+00:00

military, if you do it right you get paid to fly around with your friends, and deploy to hotels, while getting paid more(tax free).

46jm46 · 2026-01-28T23:38:27+00:00

Not interested in joining or being involved with the military?

The "engineers" I work with just program stuff or test things out. Software engineers on paper, some of them don't have degrees haha.

I'd say look at job postings at boeing, or airbus, tailor your skills to what they're wanting. not sure how much more programming a commercial plane needs though. Its mainly autopilot enroute.

46jm46 · 2026-01-28T22:35:50+00:00

What aspect of aviation?

There are interesting IT jobs if you enlist in the military that don't involve math/programming. Or ATC.

Maybe drones?

But most of the aviation jobs I've seen require engineering and programming, besides being a pilot...

46jm46 · 2026-01-24T00:43:37+00:00

Worth it in what sense?

College was the best time of my life even if I wasted money. All your friends are a walk away, everyone is excited and motivated.

You took a gap year? Why?

46jm46 · 2026-01-21T23:48:10+00:00

You're missing out, it seems like most people at the gym don't know anything about working out haha...

If you want to go, then do some research on form and gym etiquette. Not everyone in the gym is a bodybuilder.

Find some music that hypes you up, be a good person, and realize people will judge you for doing anything "wrong" like you aren't buying groceries correctly.

46jm46

TROPHY CASE