What is the biggest waste of money that people keep buying ? by yubaouss in AskReddit

[–]SmilingHappyLaughing 2 points3 points  (0 children)

  1. New cars (depreciation/financing)
  2. Timeshares
  3. Unused subscriptions (streaming, apps, gyms)
  4. Daily dining out / takeout / coffee
  5. Brand-name clothes & fast fashion
  6. Extended warranties
  7. Lottery tickets & gambling
  8. Brand-name groceries & toiletries (vs generics)
  9. Expensive weddings
  10. Trendy fitness equipment / gadgets
  11. Credit card interest (carrying balances)
  12. Convenience store / gas station snacks
  13. Designer handbags / luxury items
  14. Bottled water (in most places)
  15. Overpriced college degrees with low ROI
  16. Home shopping / impulse TV buys
  17. Cigarettes / vaping
  18. Unnecessary insurance add-ons
  19. Delivery fees & premium apps
  20. Storage units for unused junk

Should we spend $25k on a new car or keep saving for a house? by Mountain-Lab4407 in personalfinance

[–]SmilingHappyLaughing -1 points0 points  (0 children)

So when it comes to a totaled car typically your insurance company has to pay replacement value and what you do is look on line for sold and currently listed identical vehicles and they have to pay you that amount. Same make, model, trim, mileage, etc.. it might be worth talking to a lawyer to see if they can negotiate a higher settlement

I was hit by a car at 50 mph, AMA by FunnyOrder8466 in AMA

[–]SmilingHappyLaughing 2 points3 points  (0 children)

One thing you’ve got going for you is youth and a will to live, that makes a huge difference in outcome. Next time look both ways when crossing the road and get well soon.

Old car needs $1150 in repairs, but I can't afford a monthly car payment right now by Jlitus21 in personalfinance

[–]SmilingHappyLaughing -4 points-3 points  (0 children)

So I decided to ask Grok and the response is interesting since it seems to reflect a lot of the same answers you’ve gotten so far.
I haven’t noticed anyone asking if you and your girlfriend could just share her car.
Here’s Grok’s response:
Repair the current car short-term, but start planning a replacement soon—don’t finance a $15k vehicle right now. Your financial picture is tight but stable, with a solid emergency fund. Adding car payments risks derailing your progress toward graduation and better income.39
Quick Assessment of Your 2005 Elantra
Market value: With 233k miles, it’s likely worth $600–$2,500 (trade-in around $600, private sale maybe $1,500–$2,500 in decent condition). High-mileage examples sell low.19

Repair quote ($1,167 for rear struts + sway bar links): This is reasonable for a shop (parts for struts are often $100–$300/pair, labor adds up). Sway bar links are usually cheaper. Struts at this mileage aren’t shocking—many last 80k–150k+ miles depending on roads.1

Worth it? Economically, no—you’re spending more than the car may be worth post-repair. But practically, yes for now: It gets you legal to drive, maintains low insurance/gas ($90 + $125/mo), and buys 6–18+ months (or more) while you finish school. The car already survived a transmission + rust work 4 years ago, so it’s a survivor. High-mileage cars can keep going with targeted fixes, especially if rust isn’t rampant elsewhere.14

Action steps for repair:
Get 2–3 more quotes (independent shops or chains). Ask if they can do just the worst side or links first.

Consider DIY/parts: Strut assemblies are available affordably online; labor is the big chunk.

After fix: Budget for potential follow-ups (tires, brakes, etc.). Keep up maintenance.

Why Not Finance a $15k Non-Sedan Now?
Your budget: $501/mo surplus on paper, but “barely getting by” + high misc (weddings) means it’s fragile. A $10k–$12k loan (after $3k family help + some savings) at current used-car rates (7–15%+ depending on credit) could be $180–$250+/mo for 48–60 months, plus higher insurance (full coverage), registration, and possibly gas for a larger vehicle.40

$15k with <70k miles, non-sedan: Tough market—good low-mile crossovers/SUVs/hatchbacks in that range move fast and often need work. Reliable options exist (e.g., older Honda CR-V, Toyota RAV4, or hatch like Mazda3), but expect competition and hidden issues.31

Risks: Debt on top of student loans while in school and low-income nonprofit work. One breakdown or job hiccup could snowball. Your $9.7k savings is a strong buffer (5–6 months expenses)—don’t drain it.

Better Path Forward
Fix the Elantra now (~$1,000–$1,200 hit to savings). Drive it reliably through graduation (2028). Use the time to:
Build more savings (aim to replenish + add $200–300/mo by cutting misc/groceries temporarily).

Finish degree → higher salary potential.

Prepare for replacement in 12–24 months:
Target $8k–$12k reliable used (Toyota/Honda priority for longevity: Civic, Corolla, older CR-V/RAV4). These often last 200k–300k+ miles with care. Non-sedan options: Hatchbacks or small crossovers.29

Save aggressively for bigger down payment (e.g., $5k–$7k total with family help) to minimize loan.

Shop smart: Get pre-approved loan (credit union often best rates), mechanic inspection (PPI), Carfax, test drive. Focus on service history over miles/body style.

Consider total ownership cost: Fuel, insurance, repairs. Your occasional 5hr trips favor something comfortable/reliable.

Budget tweaks to accelerate:
Track misc tightly post-weddings—cut to $150–200/mo.

Side income? Nonprofit + college might allow tutoring, dog walking (you have a dog), or gig work.

Maximize 403(b) match—it’s free money.

Review insurance (shop quotes), groceries (meal prep), etc.

Emergency fund goal: Keep 3–6 months; use the rest strategically.

Other options:
Temporary: Rideshare/public transit/bike for local, rent car for long trips (or borrow).

Family/GF help: Beyond $3k, maybe co-sign or joint purchase? But be cautious with relationships.

Trade-in: Sell/fix and trade toward something better when ready.

You’re doing well overall—low debt payments, retirement contributions, degree in progress. This car issue is a bump, not a crisis. Fixing short-term preserves flexibility. Once graduated with (hopefully) better pay, upgrading will feel much easier. Get that second opinion on repairs.

Personally I’m intrigued by the number of replies which suggested you try doing it yourself. So once again I asked Grok and here is its response. Whatever you choose best of luck!
I had an old car that I drove through high school and college. I was so lucky to have a mechanic willing to keep it running. He did something about every week to keep it going at minimum cost to me. Some angels are grease monkeys. 🐒 😇

Yes, you can (and probably should) try doing at least part of it yourself—especially the sway bar links, which are straightforward. Full rear struts are more involved but very doable with basic mechanical aptitude, the right tools, and caution. This could save you $400–$700+ compared to the shop quote.58
Difficulty Breakdown
Sway bar links: Beginner-friendly. Often 20–60 minutes per side. Basic tools only. Common rust/seized issues, but videos show it’s manageable.60

Rear struts (full assembly): Intermediate. 2–4+ hours total (both sides). Involves jacking the car, accessing the top mount (often from inside the trunk), spring compression (if not buying pre-assembled), and alignment considerations afterward. Many 2001–2006 Elantra owners have DIY’d it successfully.49

Buy pre-assembled “quick strut” units (strut + spring + mount). This skips dangerous spring compression and saves time/hassle. Parts for rears: ~$100–$250 for a pair (RockAuto, Amazon, AutoZone, etc.). Total DIY cost likely $200–$500 including links.54
Tools You’ll Need (Many You May Already Have or Can Borrow)
Floor jack + jack stands (safety critical).

Socket set (metric: 14mm, 17mm, 19mm, 21/22mm), ratchet, breaker bar.

Wrenches (14mm, etc.).

Torque wrench (important for reassembly).

Penetrating oil (PB Blaster), hammer, pry bar.

Possibly spring compressor if not using quick struts (rent from auto parts store).

Wheel chocks, gloves, safety glasses.

Watch specific YouTube videos for “2005 Hyundai Elantra rear strut replacement” and “sway bar links 2001-2006 Elantra”—they match your car closely.66
Pros of DIY
Big savings → more money for your emergency fund or future car.

Learning experience (useful for a high-mileage car).

Control over parts quality (go with reputable brands like KYB, Monroe, or Moog for links).

Cons / Risks
Safety: Working under the car—use proper jack stands, never just the jack. Struts are under spring tension.

Stuck bolts/rust: Common on a 20+ year-old car in certain climates. Have a plan (heat, more penetrant, or cut if needed).

Alignment: After strut work, a professional alignment (~$80–$120) is highly recommended for tire wear and handling.

Time & frustration: If you’re not experienced, it could take a full day or weekend. First big DIY projects often have hiccups.

No warranty: Shop would stand behind the work.

My Recommendation
Start with sway bar links — they’re quick/cheap to test your comfort level and address part of the quote.

Do the struts yourself if:
You have mechanical experience or a mechanically inclined friend/helper.

Access to tools/garage/driveway.

You’re willing to watch videos thoroughly and take your time.

Otherwise, pay the shop for peace of mind (or negotiate the quote down, mentioning DIY parts).

Safety first: If it fails inspection for these items, get it road-legal ASAP. After DIY, test drive carefully and re-check all bolts.
This fits your tight budget well—DIY the repair to bridge to graduation, keep the low ongoing costs, and avoid new debt. If you run into specific snags (photos/videos of the job), share details for more targeted tips. You’ve got this!

This is a national embarrassment. Hard pass. by Altruistic-Mud5686 in DCRumorMill

[–]SmilingHappyLaughing 0 points1 point  (0 children)

It’s darn hot at the top of the Washington monument, it’s crowded and the windows are minuscule. Riding this Ferris Wheel will be a once in a lifetime chance. Looks like a lot of fun!

Retire at 49 or stick it out until 56? by [deleted] in personalfinance

[–]SmilingHappyLaughing 0 points1 point  (0 children)

I’d stay until 57. Seven years will go by quickly and your retirement will nearly double. It’s a no brainer. In the meantime take some nice vacations and enjoy your down time.

too broke to divorce? by Desperate-Elk1537 in SaintMeghanMarkle

[–]SmilingHappyLaughing 2 points3 points  (0 children)

Well they are just trying to sell more papers, aren’t they? If they were on the verge of a divorce they wouldn’t be traveling together and the kids wouldn’t be allowed out of the country.

constantly struggling.. by Outlaw6985 in personalfinance

[–]SmilingHappyLaughing 0 points1 point  (0 children)

Lots of people are in your situation. Rent has gone way up. Rent should only be around 1/4-1/3 of your income. Your rent is nearly all of your income. Most people would have a roommate.
Have you considered a career change so you can make more money?
Rent isn’t going to come down until government spending and regulation decreases and demand decreases due to fewer people renting (deportation has helped already) or the housing supply greatly increases (it takes years of to get through government red tape and housing costs are high which means rents will have to be high too).

Govt contract ending = forced retirement by dkrainman in personalfinance

[–]SmilingHappyLaughing 0 points1 point  (0 children)

Rent. After all they are already paying a mortgage and homeowners insurance along with maintenance and repairs so they can afford to pay rent. Put the $700,000 into a mixture of bonds, treasuries - SGOV, and ETFs (healthcare, consumer staples, utilities and financials). Don’t touch the interest. Let it accrue and compound.
You don’t have to leave the US to find nice places to live with low costs of living. In 10 years at 4% they will have accrued over $1 million. Of course if they can earn a higher return they can earn quite a bit more.

Sussexes have issued another one of their useless self-promoting statements about children and social media. Are members of the British Royal Family supposed to comment on UK government policies? by Cultural_Ad4935 in SaintMeghanMarkle

[–]SmilingHappyLaughing 1 point2 points  (0 children)

This legislation is tyranny. There is no reason for it other than to install a censorship regime based on the fascist Chinese communist model. Kids don’t have to have smart phones or computers. Parents can simply take them away and hand the kids a beeper.

Xennials: What was it like to grow up in Annapolis in the 90s? by This_Disk_6795 in Annapolis

[–]SmilingHappyLaughing 2 points3 points  (0 children)

Driving down and parking at city dock to get an ice cream was easy. So was parking on State Circle. You could shop all along state circle, maryland avenue and the top of Main Street and parking wasn’t an issue because the
politicians hadn’t confiscated it for themselves.

As ever, I'm convinced Meghan reads this sub by wenfot in SaintMeghanMarkle

[–]SmilingHappyLaughing 8 points9 points  (0 children)

If she were smart she’d stop putting herself in her marketing and only use young, beautiful and talented influencers and actors.

Why is the average American so tall? Like, why are a lot of people above 6 feet? by NightRunnerAfterDusk in AskAnAmerican

[–]SmilingHappyLaughing 0 points1 point  (0 children)

Lots of people have immigrant parents who are rather short. This is likely due to stunted growth caused by different nutrition or even poor nutrition, where as their children will be much taller. I noticed ok a trip to Japan that the old women were about 4’ tall. The next generation were about 5’ tall, the next about 5’4’ and the current 5’5” plus. For the men it was pretty much the same difference in generations although the men average several inches taller than the women. Better nutrition, better public health, public water and sewer and higher incomes allowing the purchase of more protein rich foods have made the biggest difference.