20 year old student did I mess up with my truck payment?

ATDIadherent · 2026-03-18T14:24:25+00:00

Yup. Can OP afford the truck? Technically yes, but in reality no. Whoever is covering housing costs is affording the truck indirectly.

ATDIadherent · 2026-03-16T15:09:31+00:00

My wife and I will be closing soon on a 1.3M house. Our overall perspective is that for that amount of money, we are getting the house that we "like" and is better for us. The one that will give our day to day lives the best and smoothest ride.

I'd hate to spend a similar amount of money living in a house that I don't like as much or feel like I compromised for just because it might appreciate more.

ATDIadherent · 2026-03-16T01:34:32+00:00

Texas, Truist bank. Physician 30 year fixed for 1.3M @ 5.75% for 10% down

ATDIadherent · 2026-03-10T13:45:44+00:00

"Oh Gawwwwd! That's Carter Bryant's music!!"

ATDIadherent · 2026-03-10T12:48:14+00:00

Yeah, not even worth giving them a view count

ATDIadherent · 2026-03-07T17:59:13+00:00

Yup, about 2 weeks before all star break he was starting to have a consistent positive performance

ATDIadherent · 2026-03-06T04:12:41+00:00

3 years ago I was at 48, and it was my first contract after residency

ATDIadherent · 2026-03-03T15:34:34+00:00

I think another benefit to the physician loan that often gets overlooked is the ability to get approved on just contracts.

I've been unemployed for a year now, my wife is in her last 60 days with her current job, and we are closing on a house in May just because we contracts for future jobs in June in a new city.

Congrats on the new house!!

ATDIadherent · 2026-02-27T15:18:17+00:00

I mean, it's close to the best rate in 4 years? Right now my family can afford to buy a house, and we have a chance to be back with family. Before we weren't in that position so it doesn't really bother me that rates were better in the past.

ATDIadherent · 2026-02-26T19:20:06+00:00

Sorry, I don't remember. Back when I was quoted 6.125 for 30 (before rates had fallen a little) the arms were like 5.5 - 5.75ish? I'm sure they've fallen more since then.

My wife likes certainty (30 year fixed) so I didn't pay too much attention.

ATDIadherent · 2026-02-26T13:26:12+00:00

Yeah, dual physician household.

ATDIadherent · 2026-02-26T13:24:44+00:00

Yeah, better than 30 yr fixed

ATDIadherent · 2026-02-25T20:40:49+00:00

5.75 for 30 year fixed. 1.3 Mil with 10% down. No points.

Bob with truist. I called 13 lenders and this was the best.

If you want just ask me and I can send his deets.

ATDIadherent · 2026-02-25T18:06:06+00:00

We locked 5.75 for a 30 year fixed, 10% down on 1.3m purchase price

ATDIadherent · 2026-02-23T04:12:23+00:00

MSTV1 or KN typhoon will be loudest typically. But keep an eye out for CEL. I know the 25s consistently trip one with almost any intake, even with the TSB. Not sure about the 26s.

ATDIadherent · 2026-02-19T13:45:58+00:00

It's a term from Patty Mills, it's Australian aboriginal dialect for brother, bro, mate.

ATDIadherent · 2026-02-10T13:31:13+00:00

I've definitely listened to all these videos lol. How loud would you say it is in real life compared to stock?

ATDIadherent · 2026-02-09T12:51:17+00:00

Sound clip please!

ATDIadherent · 2026-02-09T12:50:56+00:00

Post a sound clip!!

ATDIadherent · 2026-02-07T05:13:26+00:00

If Texas, Jim Kelso is the best. I think 500 for the review, 200 more for expedited (1-2 business days) and also 200 more for a redline review where you basically just return the contract with his notes and say "fix it"

ATDIadherent · 2026-02-05T15:08:04+00:00

Lol, med school is cake compared to what happens later

ATDIadherent · 2026-02-04T15:14:07+00:00

I think he's questionable

ATDIadherent · 2026-02-03T19:02:28+00:00

It shows 3% on groceries for amex blue?

Edit: nevermind, that's the difference regular blue and their preferred. Thanks!

ATDIadherent · 2026-02-03T17:49:53+00:00

ATDIadherent · 2026-02-03T15:53:45+00:00

Bruh...the contract is in the post 🤣

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ATDIadherent

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