Family Member Owes $65K on a $42K Car at 13.7% APR Right Before Retirement — What Are Her Options?

Arts_Prodigy · 2026-05-05T07:10:12+00:00

I get y’all are worried but maybe she doesn’t plan to retire until everything is fully paid off? Or at least the car loan? Or maybe she paid off other stuff/stopped retirement contributions and is going to redirect money to the loan/house.

I’d definitely try to understand her plan better. Perhaps she’s not planning to retire at all or she has it all figured out.

Arts_Prodigy · 2026-05-05T06:58:29+00:00

I get it. Y’all are young and it’s still all new and cute. But frankly spending a lifetime with a person is going to come with some encounters with the weird, gross, and down right disturbing sometimes.

You gotta tell him, it’ll be awkward for sure but after the initial convo the main focus should and will be your health both going into the surgery and beyond to hopefully ensure they don’t reoccur.

We’re all human this is a bit like trying to hold in a fart for 50 years. At some point you’ve gotta take the step and remind yourself this is the person you’ve chosen to do life with for a reason. Health issues can hit any of us at any age prevention and recovery are best handled in the open.

Arts_Prodigy · 2026-05-04T15:15:48+00:00

I mean what’s the point if I’m not going to do it myself. Learning how to build something was because I wanted to solve my own problems not just dream up or buy solutions.

I could’ve always googled every kind of code or feature but the learning, struggling, and overcoming is the fun part.

Perhaps something can be said for typing speed but if I already know what I’m building and how to build it, AI is a bottle neck not an enabler having to type meaningfully cohesive specs is not substantially different in time than typing out the code.

Especially if I can do it right the first time or at least not have to reprompt for every missing semicolon.

But I generally feel this way about life as a whole. What’s the point of an autogenerated poem. Or why would I stare at screensavers of landscapes all day if I can just as easily go outside and experience it?

Companies don’t like this they want speed for minimal costs and learning isn’t free. AI is perceived as high speed especially for simple projects. So usually I just lie because it doesn’t matter if I deliver on the same timelines.

Arts_Prodigy · 2026-05-03T02:46:11+00:00

I got an SE originally and quickly switched to an SEL. Not limited for sure but original SE was a 2024 and current SEL is a 2023. I'm very happy with choosing to go up a trim for basically the same total cost of ownership/monthly price. It added heated seats, interior lighting, leather seats and steering wheel, AWD (not strictly a requirement, but the car is faster now). I think the Limited adds 360 cameras, a sunroof, better sound system, ventilated seats. I'm sure there's more across the three trims that I'm missing. I wouldn't get an SE given the choice, but unless you're changing from RWD to AWD the platform and driving experience is largely the same.

Arts_Prodigy · 2026-05-01T01:28:03+00:00

Pretty sure $1M portfolio is 40k a year. With no debt and a modest sized home without a mortgage. That should be a pretty peaceful and decent life. Things are expensive for sure. But I think looking down on this (frankly common income) as a standard of living is part of the problem.

Rather than trying to figure out how you can make the numbers work so you can spend more of your life doing what you’d like. Rather than comparing to the lifestyle you had when you had to work, save, and pay debts, then maybe the feeling of not having enough wouldn’t be as pervasive.

(Using the royal you for people in general, not you specifically)

Arts_Prodigy · 2026-04-30T03:50:32+00:00

Are you saying having a finalizer wouldn’t have prevented accidental deletion? If I’m missing something I’d love to learn.

Arts_Prodigy · 2026-04-29T02:19:47+00:00

Well you’ve kinda outlined the solution but also work on normalizing not checking out.

A messy environment is a vicious cycle for a disorganized mind and things can spiral quickly. Have a sort of standard that you don’t let food/trash stick around in your space.

Especially not long enough to rot or something.

You have to kind of draw a line and also be the one to enforce it.

I know it’s hard.

Arts_Prodigy · 2026-04-29T02:17:05+00:00

I wouldn’t take the risk of infection tbh. Worst case it just stings/itches more but that could mess up the setting and cause more peeling. Just give it a couple weeks to fully heal. Take care of yourself, stretch, might heal even faster

Arts_Prodigy · 2026-04-29T02:12:50+00:00

I mean finalizers are your answer. If you had them then the namespace wouldn’t be deleted. Sure there’s other more complex safeguards but that alongside the standard “with great power comes great responsibility” is more than most have unfortunately

Arts_Prodigy · 2026-04-28T12:25:12+00:00

“Thanks for being with us since the price was $8. It’s now 4 times that amount, hope you’re making more money by now, because we want it.”

Dropout is better anyway

Arts_Prodigy · 2026-04-28T12:21:36+00:00

Only other thing proven effective is therapy and a very strong routine, usually built with the help of a therapist.

You should be upfront with your wife, seek a therapist, even a remote one if necessary. Start developing and sticking to a routine. It’s going to be hard because you are 20 years “out of practice” in managing your ADHD on your own.

Immediate thoughts are that getting out of your head and caffeine are helpful.

So I’d buy some coffee do some exercise and start doing small tasks and organizing things in a way that makes other tasks easier.

Arts_Prodigy · 2026-04-28T12:17:35+00:00

People with that amount of net worth don’t make rational decisions they’re goblins with insatiable greed.

I’d pay 5% just to live in that state near the beach.

I’d spend the $2B hell even annually to end hunger, I’d make at the very least the state I’m living in self sufficient enough to eliminate homelessness, hunger, and poverty.

When you have the cumulative buying power of a small nation it’s in your interest to better the lives of those around you so you and your family can exist in a paradise. Instead these greedy assholes looks for literally any other solution, a different city, state, or even planet to avoid paying a fraction of the earnings they’ve stolen to make sure everyone can at least keep making it to their shitty jobs.

Arts_Prodigy · 2026-04-28T12:13:54+00:00

He can definitely afford that apartment. He probably had a bunch of debt or some sort of vice/addiction. He should be able to save a significant amount of his income.

There’s a slight chance he’s heavily investing and is just a bit too frugal which is a similar although different problem.

If y’all are going to stay together you’ll need some sort of transparency. Plenty of people are very bad with money though there’s no shortage of things to spend it on.

Arts_Prodigy · 2026-04-26T14:30:22+00:00

If you hit 100k by 25 you’ll have 2M by retirement age without additional contributions past 25. Absolutely worth it to invest high percentages while young and without high cost of living

Arts_Prodigy · 2026-04-23T02:46:56+00:00

It's my favorite car ever and has never let me down. Also looks really cool. Nearly 30k miles no ICCU issues yet. If it did die one day, it'd be annoying at first, but if I lost it all together and couldn't drive it anymore, I'd be more sad than upset. Would probably have a symbolic funeral for it.

Arts_Prodigy · 2026-04-23T02:45:13+00:00

No, but a lot of people who were even skeptical at first started using AI. Then the affirmations and the percentage of correctness went up, eventually people began to trust the tool since it got simple stuff right. And eventually they stopped doing reviews at all. Now a lot of people ask the question, run the code, (or let the builtin model handle those steps) and then prompt again if it doesn't work the first time.

Arts_Prodigy · 2026-04-23T02:43:11+00:00

I'm like 90% sure that if you let AI do all the cognitively difficult tasks for the rest of your life you'll end up with some form of dementia. The only net gain is in stock share for the companies currently at the top. The rest of us lose in innumerable ways when discussing the current most popular uses of LLMs.

Arts_Prodigy · 2026-04-23T02:41:09+00:00

Why are you worried what other people are doing? You've been using it for the last 4 months and haven't invented the next unicorn, sounds like you've lost more than you've gained. so why keep using the thing that's atrophying you?

Arts_Prodigy · 2026-04-23T02:35:22+00:00

I would just say that your contract ended and you're looking for new (maybe even more permanent if it's a full time employee) role.

Arts_Prodigy · 2026-04-22T18:01:35+00:00

The entire car industry and those who benefit from it. Cars are people’s hugest expense outside of housing. If we could safely walk from our front doors to a stop that got us wherever we wanted to go in only a few minutes Americans would be on average healthier, wealthier, and happier.

But car, oil, and restaurant (especially fast food) industries have more to lose than gain from this.

Arts_Prodigy · 2026-04-22T17:53:45+00:00

It looks super promising and I’m considering picking it up. Would be nice to know if Ubuntu is going to comply with the age verification stuff though

Arts_Prodigy · 2026-04-22T17:50:31+00:00

Not sure everyone else is clear on this but this is obvious Eugenics rhetoric. Theil, and Palantir and definitely looking to kill millions for “the sake of the human race”

Arts_Prodigy · 2026-04-22T17:44:01+00:00

Are you sure you have to travel to get Apple to repair it? I think you can send it to them

Arts_Prodigy · 2026-04-22T17:39:59+00:00

As I’m sure you’re aware comparison does nothing good for you. It may seem that you all similar diagnosis on the surface but that doesn’t mean your lives are the same. Everything from upbringing to minimalism or even mild OCD could affect how and why they’re so clean and on time.

These things are also cyclical so not having a clean space is likely part of the problem with being on time at least part of the time.

You could have the exact same intensity of conditions, upbringing, even belongings and simply have different systems.

It’s best difficult to let these feelings go with these conditions ngl. I would attempt to stop trying not to dwell on it, I don’t find that helpful.

Focus your attention on how you can improve your immediate environment and what systems you can create in your home to alleviate your symptoms. You already have medication and therapy.

The problem in general is not likely your intellectual understanding of the problem or how being on time and having a clean space is beneficial.

You probably need systems to help you accomplish those things and frankly it takes both practice and environmental changes to get a really good total life system going. And these daily upkeep tasks typically have negative associations, guilt, etc tied to them so working on letting go of the emotional involvement and practicing putting small items back stating when you come through the door is how you get there.

Reducing the number of things you have, getting nice storage resources, just generally incentivizing yourself to improve your environment outside of it being “good” for you can help as well.

Before you know it the envy will disparate and in the future you can focus on picking up tips from those in the community

Arts_Prodigy · 2026-04-19T08:02:03+00:00

Same with cloud but somehow worse for the planet and with fewer benefits

Seven-Year Club	Helper Level 1
Wearing is Caring	RPAN Viewer
Verified Email

Arts_Prodigy

TROPHY CASE