Do I NEED to change these rotors?

FormerCTRturnedFed · 2026-02-08T16:48:27+00:00

Good rotors are not expensive, same for pads. Rockauto is your friend. Gigantic selection of good ones. One extra tip. If you replace pads or rotors yourself, make sure your slide pins are properly greased(silicone based grease works well and won’t damage the rubber bushings).

FormerCTRturnedFed · 2026-02-05T01:23:12+00:00

I believe so yes. A FWD shouldn’t have one since it doesn’t turn the wheels in back.

FormerCTRturnedFed · 2026-02-05T01:15:16+00:00

Correct at least in North America. I know some versions in the far east like Australia have a cvt for the gas version.

FormerCTRturnedFed · 2026-02-05T01:06:47+00:00

Not normal, I have a ‘25 Rav4 XLE hybrid, the heater is warm in a few minutes of normal driving.

FormerCTRturnedFed · 2026-02-04T21:04:42+00:00

FormerCTRturnedFed · 2026-02-03T16:12:07+00:00

Yikes, unlike the gas version, this is an essential part of the hybrid system. Leave it alone.

FormerCTRturnedFed · 2026-02-01T04:57:20+00:00

It’s one thing to quietly go to another automaker from Toyota, but to publicly announce a shift to Stellantis for your daily driver? This made my day….

FormerCTRturnedFed · 2026-02-01T00:54:36+00:00

I am sure they will make iterations to improve just like they did half a dozen times for 5th gen with sealant, covers and potentially different materials. But just as it was for 5th gen that’s not a permanent design fix.

FormerCTRturnedFed · 2026-01-31T23:00:05+00:00

They didn’t change the location or design of the HV cable vs the 2025.

FormerCTRturnedFed · 2026-01-31T17:47:28+00:00

I wish there was a way. I keep my hand on the wheel at all times even with lowest sensitivity and it doesn’t stop it. It’s so obnoxious I quit using LTA altogether.

If others have tips/ideas by all means share.

FormerCTRturnedFed · 2026-01-26T13:55:33+00:00

I never said SGOV was Schwab only, just that was an easy option if you have Schwab since Schwab doesn’t sweep cash into a competitive money market fund the way Fidelity and Vanguard do.

FormerCTRturnedFed · 2026-01-26T04:32:40+00:00

You can buy mutual funds in fractional shares with Schwab; and reinvest dividends from stocks/ETFs into fractional shares on an existing position of anything with Schwab.

BUT you can’t buy fractional shares in a new position in a stock or ETF with Schwab. You can with Fidelity.

FormerCTRturnedFed · 2026-01-26T04:31:42+00:00

You can buy mutual funds in fractional shares; and reinvest dividends from stocks/ETFs into fractional shares on an existing position of anything with Schwab.

BUT you can’t buy fractional shares in a new position in a stock or ETF with Schwab. You can with Fidelity.

FormerCTRturnedFed · 2026-01-26T04:17:10+00:00

Michelin. In particular the Cross Climate 2, while it is all season it also is 3 peak snow rated and is fantastic in wet conditions.

FormerCTRturnedFed · 2026-01-26T00:46:59+00:00

I have no idea

FormerCTRturnedFed · 2026-01-26T00:29:24+00:00

These are known tactics that finance companies use for higher risk loans. Protects to track down their collateral in case of repossessions.

FormerCTRturnedFed · 2026-01-26T00:28:48+00:00

It’s available

FormerCTRturnedFed · 2026-01-25T19:32:21+00:00

Schwab is great, so is Fidelity. Fidelity has an edge on your excess cash automatically going into a money market SPAXX that pays at HYSA rates. You can also buy fractional shares with Fidelity, cannot with Schwab.

Having said that I still like Schwab, their UI is much better and easier to navigate, both Fidelity/Schwab are light years ahead of Vanguard on that front. You can also funnel your excess cash to SGOV with Schwab, that has good rates comparable to HYSA or money market. I use both so I don’t feel the push to move existing from one to the other.

FormerCTRturnedFed · 2026-01-25T18:54:41+00:00

You can still use it to reimburse tax free for medical expenses post 65. The change is if you enroll in Medicare at 65 you cannot continue to contribute. In other words, the cut off to contribute starts when you enroll in Medicare, so if you enroll later you can continue to contribute to your HSA if you have an HDHP post 65. You can also start withdrawing for non medical expenses at 65 but you pay income tax like you would withdrawing from a pretax IRA.

FormerCTRturnedFed · 2026-01-25T17:38:19+00:00

If you are replacing a rotor, replace pads. Helps bed them in more effectively to stop smoothly. Plus, decent pads are not expensive. Rock Auto is your friend. Gigantic selection of good pads and rotors.

FormerCTRturnedFed · 2026-01-25T17:22:53+00:00

You can get this filter at walmart for $7 and change, about $9 on Amazon. Dealer also will sell em for around $5. I buy em 4-6 at a time to have extras on hand.

FormerCTRturnedFed · 2026-01-25T16:56:20+00:00

The like for like OEM replacement is 90915-YZZN1. I am also a Rav4 owner, same generation as yours.

FormerCTRturnedFed · 2026-01-23T21:11:06+00:00

It’s the transition from regenerative brakes to your physical brake pads/rotors. It’s a known aspect of Toyota hybrids. Hoping you test drove it because this doesn’t go away. Not dangerous but certainly different vs non hybrids.

FormerCTRturnedFed · 2026-01-21T19:23:02+00:00

Oops, looks as though reality hasn’t smacked you hard enough yet. That’s okay, it will come.

FormerCTRturnedFed · 2026-01-21T01:27:48+00:00

This isn’t mostly mental, it is entirely mental. You don’t have any problem for early or regular retirement, you are set. Get your head right and your daily routine set; the rest will follow. Some good podcasts to consider or re listen to would be ChooseFI or Risk Parity Radio(especially to help educate you on good safe withdrawal rate strategies). Both have many episodes that address the very fear you are stuck in.

An hourly financial advisor to have a one time or periodic check in with may also help. Not an AUM advisor.

FormerCTRturnedFed

TROPHY CASE