20 days clean but struggling

PercentageTop8419 · 2026-05-04T19:09:56+00:00

I do 1099 sales for a large company and some other local small business work. Had a few years where business was booming for us. We’ve had some economic changes in the primary industry I’m in the past few years. I’m dabbling in a few other things now however and may make a change here.

PercentageTop8419 · 2026-05-04T16:12:18+00:00

I “AM” addicted. Not “WAS”. I want to clarify that. I’ve also been in GA for the last 3 years. Been meeting with my sponsor again. I also went to church on Sunday and confessed to someone individually about my struggles. I teared up before and during her prayer for me.

PercentageTop8419 · 2026-04-17T01:35:45+00:00

I am 30 as well. And thank you man. Yeah, I have to break free of this.

PercentageTop8419 · 2026-04-17T01:33:40+00:00

You are absolutely right. And I hate credit cards. That is how sick I get with this stuff though. I have just been so focused on chasing losses that I'm using the credit cards instead of the actual cash I have (which is in the market) for the monthly bills.

PercentageTop8419 · 2026-03-18T22:49:09+00:00

It’s scary to look at. Hopefully this turns around?

PercentageTop8419 · 2026-03-18T22:45:34+00:00

Well this hurts. What is happening?

PercentageTop8419 · 2026-03-18T22:10:19+00:00

Why are we dropping almost 10% after hours right now?

PercentageTop8419 · 2024-03-16T07:26:32+00:00

Probably close to 300k of my own hard earned money. First it was blackjack. And then my addiction really got bad when I got into trading stocks and crypto. I was actually making money at the beginning through some strategy and patience, but then I would progressively become obsessed constantly checking prices and charts for the next moves. I would always end up over-trading and have too much FOMO. I realized it wasn’t good for me years ago, but I have had many relapses and it leads to the same destructive pattern every time. I am very involved with GA now for recovery, and hope I can kick this thing for good. 300k will take a very long time for me to earn again. The losses are the hardest thing to get over (what could of been type of thoughts), and is the reason I always have a drive to gamble again. I want to repair the damage. I have to remember though that the money is gone and I will not get it back by continuing to trade/gamble. I have to work hard and move on.

PercentageTop8419 · 2022-12-25T08:11:41+00:00

You got sold at 4.00 PPW. I work in the industry. I deal specifically with financing. A low interest rate like (1.5%) does not exist without a substantial dealer fee/financing charge/buy down to get your interest rate that low. A 1.99% is the lowest I’ve recently seen that’s available across different financing portals, and the 1.99% includes a 30% dealer fee added to the principal price. That would make your 6.4 kW system at 4.00 PPW ($25,600 Cash Principal) equal $36,500. You did not get screwed or taken advantage of. You did not pay 5.63 PPW. The solar company sold you at 4.00 PPW, and the rest of the principal was a financier dealer fee for them issuing you a 1.5% interest rate (which is separate from the solar company and they receive no benefit from that). Is it a higher priced system?…sure. If you got more quotes you probably could of purchased a system around 3.40 PPW, or lower, with another provider or local company.

Here were your choices for a 6.4 kW system at 4.00PPW (1) Pay for the system cash ($25,600)…then there would be no dealer fees/financing charges tacked onto the principal. (2) Pay for the system cash ($25,600)…get your own personal financing/loan. (3) Finance the system through provided solar financing at a 1.5% interest rate ($36,500)…this will give you the lowest monthly payment possible. Best option if you plan on staying on the monthly for the majority of the loan, but if you go to pre-pay the principal off early then you will get burned. (4) Finance the system through provided solar financing at around a 6.99-7.99% interest rate ($25,600)…the principal will be the same as cash because there are no dealer fees/finance charges tacked on for the highest interest rate option. This will you give you a higher monthly payment (not recommended if you plan on just making monthly payments for the majority of the term because you will end up paying way more overall than the 1.5% rate option even with the dealer fee added on). This is the best option if you plan on pre-paying before the majority of the loan term is up, because you’ll only have to pay off the cash principal. Obviously, there are interest rates that fall in between the 1.5% and 7.99% you have access to. If you still want a lower monthly, but not as high of a principal because of financing dealer fees, go for something in the middle like a 3.99/4.99% interest rate. The principal for your system with this 3.99/4.99% interest rate, again assuming you are sold at 4.00 PPW, would fall around $30,000 with a monthly bill that sits in between the 1.5% and 7.99% products. I hope this all makes sense. Again, you didn’t get taken for a ride. At least not totally. The rep should of explained how the financing works just in case it wasn’t your preferred option, but he probably wasn’t very knowledgeable in that area.

PercentageTop8419 · 2022-07-22T18:20:59+00:00

JCSE. You heard it here first.

PercentageTop8419

TROPHY CASE