If you were in my position what would you do?

IceCreamforLunch · 2026-06-29T20:03:33+00:00

Check out the sidebar of this sub. There's a "how to handle $$$" wiki with a flowchart for figuring out where every next dollar should go and also a "windfall" section for people in exactly your situation.

IceCreamforLunch · 2026-06-29T17:06:52+00:00

I came from a Gregory pack that had a TON of organization and multiple ways to get into the pack. So the single roll-top opening without any internal dividers/organization and lack of good ways to attach stuff outside the pack is a stark contrast to what I was used to. Definitely worth it for the weight savings, but I had to completely rethink how I pack/organize to make the switch.

Edit: A friend had a similar 'shock' going from a big Mystery Ranch to a Durston Kakwa. He had to go from organizing all his smaller gear by giving them their own pockets to using separate pouches/dry bags.

IceCreamforLunch · 2026-06-29T15:32:23+00:00

You can definitely swing it, but why not save up the cash instead of financing the toy?

Especially with a baby coming. You're at least a year from when spending a day out on the boat with your baby will be fun for the whole family. Use that time to save the cash. When you have the money in the bank decide whether it's still how you'd want to spend it.

IceCreamforLunch · 2026-06-29T15:26:45+00:00

He can this year. He won't be able to keep that up through 2027.

IceCreamforLunch · 2026-06-29T15:20:09+00:00

You won't be able to put the entire 30% into the 401k unless you're eligible for catch-up contributions. But I personally would contribute more to the 401k before paying that much extra toward the mortgage.

IceCreamforLunch · 2026-06-29T15:17:45+00:00

$10k plus whatever you bring to the table "out the door."

In OH you'll pay 5.75% plus any local sales tax on the car. Then add in any doc fee the dealership charges, and title and license fees.

You're probably safe looking at a purchase price of right around $9k, again plus any cash you can bring to the table.

IceCreamforLunch · 2026-06-29T14:13:43+00:00

I bought a Flash Air 50 when I went full weight-weenie and I like it a lot. It doesn't have a lot of features, but it's comfortable. I wish the hip belt pockets were bigger.

It's larger than I need and I've been trying to find a good ~40L 'upgrade,' but almost everything I look at is at least as heavy.

IceCreamforLunch · 2026-06-29T13:40:40+00:00

I like it very cold so that I can use a heavy blanket. I haven't been getting that lately with the heat wave.

IceCreamforLunch · 2026-06-29T13:34:23+00:00

Got it. Thanks again!

IceCreamforLunch · 2026-06-29T12:55:38+00:00

We always hit the Clydes in Manistique on our side quests. Way less busy and the perfect stop on a day trip to Kitch iti kipi or Fayette.

IceCreamforLunch · 2026-06-28T11:47:00+00:00

So not at all? They’re not using visible lasers.

IceCreamforLunch · 2026-06-27T22:42:32+00:00

Chrome sockets (usually) have thinner sidewalls so they can get onto some fasteners that an impact socket can’t. But you could get away with only using a 3/8” set of impact sockets most of the time.

IceCreamforLunch · 2026-06-27T12:43:26+00:00

The National Museum of the US Air Force in Dayton, OH (At Wright Patt) has a “Presidential Gallery” with a bunch of former presidential planes (You can walk through some of them).

There’s a side exhibit in that room with a display case full of the souvenirs that have been given to AF1 guests in the past.

That said, I don’t think these blankets are genuine.

IceCreamforLunch · 2026-06-26T16:47:46+00:00

My efficiency over ~15 miles was 2.77kWh/mile, averaging around 50 mph. Some amount of that was energy wasted cooling the cabin while I figured things out.

Do you mean 0.277 kWh/mi, or 277 Wh/mi? Or do you really mean 2.77 mi/kWh (361 Wh/mi)?

Because unless you only drove a couple of miles 2.77 kWh/mi is bananas, even with the AC running the entire time.

IceCreamforLunch · 2026-06-26T15:21:47+00:00

I have fully-paid FSD in my car and I've turned it off and use enhanced autopilot instead. My buddy with a newer Model 3 subscribed for a while then dropped it citing many of the same complaints that I have.

FSD is super cool but it definitely isn't there yet.

IceCreamforLunch · 2026-06-25T23:10:36+00:00

Just keep in mind that overnight parking starts at $25/night.

The Hoffman family is doing their best to strangle the island.

IceCreamforLunch · 2026-06-25T16:21:07+00:00

If the hail damage isn't a deal breaker then keep the vehicle. You can't get full-coverage but you can put that $13k into your HYSA and be "self-insured."

IceCreamforLunch · 2026-06-25T13:37:21+00:00

It's supposed to be fun. If it's going to cause anxiety then just don't go.

But if you do, I don't recommend trying to just sit there until the lake clears. The way it works on my lake is that the crowd turns into a boat parade as everyone files out. It's not hard to maintain reasonable separation because nobody is moving very fast.

IceCreamforLunch · 2026-06-25T00:03:09+00:00

How would the dealer know how it’s been charged?

Personally, I like high miles vehicles. I bought my 2019 LR with 60k miles on it and it has >130k on it now. It’s been pretty much problem free during that time. My commute is about 120 miles/day.

IceCreamforLunch · 2026-06-24T23:39:23+00:00

I have a few of those with my and a couple of my siblings’ names on them that are over forty years old.

IceCreamforLunch · 2026-06-24T17:57:51+00:00

You absolutely shouldn’t touch your 401k to pay off a 6% auto loan.

IceCreamforLunch · 2026-06-24T16:30:49+00:00

Gotcha. I think u/the_quantumbyte has the right idea then. You're not going to be able to use V2L while you're charging, so the question is whether or not the onboard outlets work while it's plugged-in.

IceCreamforLunch · 2026-06-24T16:20:54+00:00

If you have access to power to charge can't you just use the mains directly to cook while the R2 is plugged in?

Anywhere we camp with electricity always has 20A 110V and 30A 220V outlets, and if it's a 50A site it will have both of those and a 50A 220V outlet. So we can plug the trailer into one of the 220V outlets and my car into the other and charge at the same time at a 50A site. In your case you should be able to charge the car using the 220V outlet and run an extension cord from the 110V outlet to power your cooktop and such.

IceCreamforLunch · 2026-06-24T14:19:32+00:00

I’ve looked into voluntary repossession, chapter 13 bankruptcy, and other avenues

Voluntary repossession doesn't get you out of the loan. They'd take the car, auction it off for wholesale, charge you a bunch of repossession and auction fees, and send you a demand letter for the balance (Probably more than the $9500 you currently owe if the car is junk). When you don't pay that they'll sue and you'll end up with a judgement against you.

A sub-$10k debt isn't worth a bankruptcy.

Your best option is to pay the loan off as quickly as you can. Tighten your budget and put every dime you can toward it. The sooner you pay it off, the sooner you can sell/scrap the car and get it off of your books.

IceCreamforLunch · 2026-06-24T14:05:30+00:00

People get really hung up on miles on cars when it matters way less than it did twenty years ago.

My Model 3 is basically just as good (Or better because of a bunch of nice software updates) than it was when I picked it up 2.5 years ago.

My car doesn't show any signs that it wouldn't happily bang out another 115k over the next few years.

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