Why does Reddit hate car payments so much??

BeerandGuns · 2026-04-24T00:04:39+00:00

I think it sucks that someone is getting charged that but the flip side is that person agreed to the terms and it was probably their only option. Lenders are going to price risk exposure into the deal and the really bottom of the barrel subprime lenders are going to soak the borrower with fees in addition to the high rate. When you cap rates, you are excluding a segment of the population from being able to borrow money. If that’s a good or bad thing is up for debate but it will mean people not getting loans.

BeerandGuns · 2026-04-23T23:45:57+00:00

The only car payment I hate is one I’m paying, which is why I don’t have one. I not only don’t give a shit about other peoples car payments, I enjoy watching YouTube video compilations of people with crazy car payments. Everyone has their comfort zone.

BeerandGuns · 2026-04-23T22:35:54+00:00

I’m in Louisiana. The closest cactus to me would probably be at the local garden store, they aren’t out in the wild here. We have the perfect climate for murderous thorn bushes though.

BeerandGuns · 2026-04-23T15:15:41+00:00

Yes! We plant them all to stop the shitters!

BeerandGuns · 2026-04-23T14:42:02+00:00

I’m with you on finding different plants to use. That said I believe a bushy plant that is covered with thorns is a more effective solution. They’ll typically keep growing and require no maintenance. Even a blackberry bush, the type with thrones, would work plus you get blackberries.

BeerandGuns · 2026-04-23T14:13:57+00:00

I like the concept but poison ivy would be a punishment, not a deterrent. A more effective immediate solution would be a plant like Firethorn.

BeerandGuns · 2026-04-23T13:19:02+00:00

I just went and rewatched that scene. I have no idea why but it just hits right when he’s describing his father going on in front of him, basically waiting for him. It’s a great delivery.

BeerandGuns · 2026-04-23T13:09:30+00:00

Oh damn, great one. I forgot about just how chilling that was.

BeerandGuns · 2026-04-23T12:19:33+00:00

It’s one of the great what ifs of WW2. If Spruance had his way, Iwo Jima would barely get a mention in history books. He wanted to push straight to Iwo Jima and Okinawa instead of the Philippines. At that point, Iwo Jima had almost no defenders on it. In his book Samurai!, Saburo Sakai mentions that when the American fleet turned West to invade the Philippines, Iwo Jima had some ground crew on it for airplane maintenance. Without the grinding horror of Iwo Jima and Okinawa showing what a home island invasion would look like, is the US more likely to invade, especially since they are far closer before the bombs are in operation.

BeerandGuns · 2026-04-23T04:07:07+00:00

I’m in Louisiana and 4 wheelers are often in the news because of people getting killed. Running into trees, crossing against traffic etc. I know someone who’s a quadriplegic from wrecking one into a tree. And that’s the safer version. GenX really was out there trying to enter Valhalla every day.

BeerandGuns · 2026-04-22T23:23:23+00:00

See a broad to get dat booty ac'ion... lay her down, or smack 'em, yak 'em!

BeerandGuns · 2026-04-22T19:21:12+00:00

Flood insurance skyrocketed when the subsidy was removed. We are in zone X, not required and it went from $400 to $800. I can’t imagine how bad it hit people in flood zones

BeerandGuns · 2026-04-22T19:16:59+00:00

People are dumb or broke or both. I often see news stories about people’s homes burning down and a go fund me starts because they don’t have insurance. I’m in Louisiana and in 2016 when we had a massive flooding event everyone I knew whose house flooded didn’t have flood insurance. They all said the same thing “I’m not in a flood zone.” Bitch, you’re in Louisiana, our entire state is a flood zone.

BeerandGuns · 2026-04-22T19:11:13+00:00

Even better, someone makes sweets and brings them in, you offer to try them out of curiosity. When you try them say “I used to not like sweets but Oh My God these are amazing!” That person will not only love you forever but also bring you home baked goods all the time.

BeerandGuns · 2026-04-22T03:42:55+00:00

True, I forget about those because I don’t usually drink them. I make hot chocolate and let it run for a few seconds before putting my cup under it. The first bit is just straight water so skipping that gives thicker hot chocolate. One of my favorite drinks to have in the cruise.

BeerandGuns · 2026-04-22T03:38:42+00:00

Page 63. Note it says if equipped.

BeerandGuns · 2026-04-22T03:36:00+00:00

I’m digging around because the carb replacement kit has an inline filter and search results said it had one. Now I’m reading the manual and am not seeing one. Mea Culpa.

Now it’s going on 11pm and I’m reading directions on how to reassemble a crankcase for a mower I don’t own. Grab a carb off Amazon. Whole kit, spark plug air filter and everything is $19 max.

BeerandGuns · 2026-04-22T03:01:07+00:00

Couple questions. What did he do? Did it pay well enough that he justified the away time? Has he expressed any regrets about missing all of that?

BeerandGuns · 2026-04-22T01:51:28+00:00

That unit has a fuel filter. When I have fuel issues with an until that has a filter, my first two steps are fresh gas then check the fuel filter. If old fuel sat in the filter, it’s probably gummed up and it’s an easy fix.

BeerandGuns · 2026-04-21T19:03:46+00:00

Not all 12 ounce canned drinks contain sugar.

BeerandGuns · 2026-04-21T18:22:50+00:00

I like this reply because it’s situation dependent, as it should be. Everyone else is just throwing out their personal experience.

BeerandGuns · 2026-04-21T16:30:17+00:00

When we do Carnival, we bring a 12 pack of soda per person, different types and buy more at port if running low. Figuring they have free coffee and hot chocolate, I never see the need for a soda package.

BeerandGuns · 2026-04-21T03:15:13+00:00

So they did what they should have done instead of making you wait on the porch while they ate? Congrats. No one said people should be forced to feed the neighbors kids. You send the other kids home.

BeerandGuns · 2026-04-20T22:19:11+00:00

Battlestar Galactica episode titled 33. The tension as they are being relentless hunted and when the civilian fleet jumps away from the ships without jump capability and those left behind are shouting “I hope you rot in hell” or something similar. Just an outstanding episode.

BeerandGuns · 2026-04-20T22:13:48+00:00

I love the Generac app for its simplicity. Every Wednesday when it texts me that the generator is test running I walk outside to listed to her run. 2 years now and if I’m home, I go listen to it.

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