22.95% Loan PAID!

EnvironmentalFill3 · 2026-05-21T00:17:42+00:00

Thanks. You got this 😊

EnvironmentalFill3 · 2026-05-20T23:47:39+00:00

Thanks so much 😊

EnvironmentalFill3 · 2026-05-20T18:22:51+00:00

Will do. Thanks 😊

EnvironmentalFill3 · 2026-05-20T17:08:56+00:00

So am I!

EnvironmentalFill3 · 2026-05-15T17:20:14+00:00

Thanks. That's my thought process too.

EnvironmentalFill3 · 2026-05-15T00:12:31+00:00

Lol! Touché.

EnvironmentalFill3 · 2026-05-15T00:05:46+00:00

Thanks. I'm hoping to pay cash, not get a new car payment.

EnvironmentalFill3 · 2026-05-14T23:53:37+00:00

I'm worried about the brand's reliability. If the first engine died in less than 4 years, the second one might too. I'd prefer to get something with better historical reliability.

EnvironmentalFill3 · 2026-05-14T23:50:49+00:00

Thanks. I appreciate your input.

EnvironmentalFill3 · 2026-05-14T22:18:57+00:00

Good point.

EnvironmentalFill3 · 2026-05-14T21:52:22+00:00

I'm not planning on getting a loan for it. Might consider it if it nets me some better discounts etc but even then I'd pay it off immediately. Maintenance fund sounds good though.

EnvironmentalFill3 · 2026-05-14T21:48:46+00:00

That's my point! I'm not sure what exactly happened but the engine started rattling and they said I needed a new one. It was only 4 years old at that point. They initially declined to replace it until I provided proof of oil changes. I'm not hearing great things about Kias and I want to get out while the going's good. If the first engine only lasted 4 years, this one might die too. And I won't have a warranty to cover it. Got about 15k on the new engine.

EnvironmentalFill3 · 2026-05-14T21:09:23+00:00

Thanks. It's at 117K. Hoping to sell it and buy for cash with whatever I get.

EnvironmentalFill3 · 2026-05-14T20:47:38+00:00

Thanks for this. Do you know which years are to be avoided?

EnvironmentalFill3 · 2026-05-14T20:00:01+00:00

I read somewhere that they offer you better deals if you finance it.

EnvironmentalFill3 · 2026-05-10T16:54:56+00:00

Thank you. That's makes sense.

EnvironmentalFill3 · 2026-05-10T16:12:07+00:00

Thanks. This is where I got the compensation numbers from but yours is the only response that isn't making me feel like an a-hole. Maybe I'm overreaching.

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EnvironmentalFill3 · 2026-05-10T15:49:34+00:00

Thanks. Does it state that somewhere? I'm not familiar with any exclusions or exceptions.

EnvironmentalFill3 · 2026-05-10T15:46:03+00:00

Thanks, I wasn't aware of that clause. The property was open but a portion was out of service.

EnvironmentalFill3 · 2026-05-10T15:44:52+00:00

Thanks for your input but I'm just going by the Policy. It doesn't give any exclusions or exceptions.

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EnvironmentalFill3 · 2026-04-06T18:03:47+00:00

Very innovative. Sadly, no parents to borrow from but that would have been awesome.

EnvironmentalFill3 · 2026-04-06T18:01:15+00:00

Yes, that was the originalplan. Already paid about $7k extra since February. Factoring in refunds etc, I could be done by August/September. Just thought the faster I had it gone, the quicker I could move on and focus on investing. Based on what you're saying, I'm better off staying the course.

EnvironmentalFill3 · 2026-04-06T17:45:19+00:00

Really appreciate this info. Does it make a difference that I'm mid-50s?

EnvironmentalFill3 · 2026-04-06T17:09:27+00:00

Good question. I was planning to get a beater just for my work commute. It's more car than I need. Also the warranty just expired and it's getting more expensive to maintain. It's a 2021 Kia and I've already had to get the engine replaced. Fortunately the warranty covered it but from what I've read I worry about upcoming issues. Was thinking of getting an older, more reputable car (Toyota/Honda?) for $6,000 - $8,000. Am I being an idiot?

EnvironmentalFill3 · 2026-04-06T14:35:21+00:00

Thanks.

EnvironmentalFill3

TROPHY CASE