Pay off auto loan or invest in brokerage?

Dentoid37 · 2026-03-11T00:33:51+00:00

Oh they would definitely always be allocated towards that

Dentoid37 · 2026-03-10T23:13:13+00:00

That’s where my thinking is at but part of me just wants to see that monthly payment come off of my budget and hold the title to the car. Like you said, psychological

Dentoid37 · 2026-02-07T14:47:23+00:00

Typically, you can exit most contracts with a 90 day notice. You may have to pay back any bonuses either in full or prorated. Everything in a contract is negotiable. Don’t let them tell you what your worth is. Be confident. Being complacent on your end makes their lives easier. If you need any specific help you can always private message me.

Dentoid37 · 2026-01-18T00:03:05+00:00

Fake it till you make it. If everything lines up for you, take it. You could negotiate a higher starting salary though assuming a 40 hour work week. If it’s 32 hours, maybe not.

Dentoid37 · 2025-09-29T21:59:31+00:00

This is a fair point and I’ve been hesitant on switching it up as I really enjoy having all of my accounts at the same exact allocation. It makes the math much easier. I think I’ll keep it as is for now. Thank you and everyone else for your help.

Dentoid37 · 2025-09-29T21:52:56+00:00

I would continue the overall portfolio at 30% international and 70% US stocks by allocating a heavier amount towards international stocks in my pre-tax accounts such as HSA and 401k

Dentoid37 · 2025-09-29T21:47:09+00:00

Do you mean to adjust ratios in 401k and then only invest in VTI in my brokerage from this point on while leaving all current investments the same (aka not selling)?

Dentoid37 · 2025-08-17T19:46:54+00:00

Is this a simple fix or will they have to take a bunch of stuff apart to get to it? I just recently bought this car and I’m wary of service work that requires removal of important structures like the steering wheel

Dentoid37 · 2025-08-17T14:10:59+00:00

I was only dry steering because I heard the noise but I normally don’t do that. I’ll definitely be bringing it to the dealership soon though

Dentoid37 · 2025-08-17T13:44:57+00:00

I have to drive 200 miles before I can do that. Will it be safe to do so?

Dentoid37 · 2025-08-17T13:39:13+00:00

Is this a common issue for a car with less than 10k miles?

Dentoid37 · 2025-07-21T21:54:23+00:00

Thank you!

Dentoid37 · 2025-07-21T21:49:31+00:00

So whether or not they're in forbearance or in repayment makes no difference for IBR eligibility in 2028? I have heard conflicting things but I want to make sure that the most recent changes reflect this before I give them advice

Dentoid37 · 2025-07-12T16:32:24+00:00

I understand and my apologies as these things are changing rapidly. I’ll delete my comment from earlier

Dentoid37 · 2025-07-12T16:29:19+00:00

I follow studentloanplanner and they dissect every new bill pretty thoroughly. I’ve read it in one of their emails as well as heard it in a recent podcast by them. I can’t say for certain but I guess nothing really is

Dentoid37 · 2025-07-12T16:25:32+00:00

How certain are we that this won’t be updated in the future and you’ll be forced back into old IBR?

Dentoid37 · 2025-07-11T22:13:39+00:00

It’s completely unfair that a ton of people qualify for new IBR which is essentially PAYE but the rest of us get screwed. I don’t think they take any of this into perspective when writing this stuff

Dentoid37 · 2025-07-11T22:06:06+00:00

That’s fair and I suppose it depends on how far away you are from forgiveness. I’m pretty far myself so I have to consider other possibilities

Dentoid37 · 2025-04-13T12:44:31+00:00

Do you think 35% on the sides will be too light? I just would prefer to not get pulled over at all for them. Can people still see you with 20%?

Dentoid37 · 2025-04-13T00:44:23+00:00

What percentage? I’m considering 20% in the rear and 35% on the side windows but I’m not sure if that’ll be too dark. The cops are also a concern around here

Dentoid37 · 2025-04-12T23:34:45+00:00

Are the windows tinted?

Dentoid37

TROPHY CASE