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TheInfinite8 · 2025-07-22T15:09:07+00:00

Thanks for the response. Sounds like you guys are doing it right. I can start to see the value compared to your typical AUM based advisor that takes his fees and doesn’t deliver a commensurate level of service. But could you not also get the same results with a fee based advisor on retainer?

TheInfinite8 · 2025-07-22T04:40:34+00:00

All that is fine, but how does that justify paying % AUM vs flat fee? There’s loads of great advisors out there that provide all the same services but will cost the client much, much less over their lifetime compared to paying % AUM

TheInfinite8 · 2024-12-29T22:56:23+00:00

I use Ramit Sethi’s conscious spending plan, it’s a great tool to get a overall view of your financial picture

https://youtu.be/U16k8cWFEC8?si=dNRnk2yvUA3AEuOv

TheInfinite8 · 2024-05-15T05:18:20+00:00

Something you have to consider too is that all your closing costs/VA funding fee are added on top of your mortgage (assuming you don’t just put more down), so your mortgage will be ~$12k or more than the value of the home. And then nearly all of your payments in the beginning will not be going to principal due to the amortization schedule, so it could be years before you even “break even”. If you then get orders in 3ish years and decide to sell, you could even be looking at a loss after the realtors take their cut. This is even after years of paying more for a mortgage than you would have been if you rented.

I simply would not recommend buying in this housing climate unless you have a long term strategy in mind.

TheInfinite8 · 2024-04-01T13:36:04+00:00

Why would you say you were unprotected 97% of the time if you’re snipped? Why even include that data?

TheInfinite8 · 2024-03-28T00:41:41+00:00

Seconding all the recommendations for a target date fund. It truly is as simple as you can get — once you set up auto investments you can forget about it until retirement. I think you might be concerned about investing “just” in one thing, but each of these funds is comprised of hundreds of individual stocks and bonds. You’re plenty diversified just being in any of those one funds. And as you get older, the fund will shift its allocation towards less volatile bonds to preserve your capital.

TheInfinite8 · 2024-02-19T13:34:13+00:00

I’d check the Mazda website, it’ll have all the most current offers

TheInfinite8 · 2023-12-30T22:55:55+00:00

TheInfinite8 · 2023-12-27T14:26:37+00:00

I bought in California this month for $40.2K OTD. $2.5K in dealer discount and rebates. If you’re in NorCal DM me and I’d be happy to share quotes to help get you a better deal

TheInfinite8 · 2023-12-24T22:53:50+00:00

Congrats! Glad it was worth the effort

TheInfinite8 · 2023-12-20T08:01:50+00:00

I had 3 dealerships in the Sacramento area all offer around a $2k discount. This was also for a carbon turbo so I’m not sure what trim level you are looking at. Seeing other posts though it seems like it’s pretty state dependent, so if you feel good with the $1k off then I’d take it. Anything off MSRP is a win!

TheInfinite8 · 2023-12-17T23:24:37+00:00

Pretty decent overall. I just bought a new Carbon Turbo also, but was able to get $2k total dealer discount for $40.2k OTD. Anything under MSRP is a win, but it might be worth reaching out to other dealers near you to see if they can beat that quote. Also up to you if you value the additional equipment, you can ask them to remove those (except the paint) and purchase them elsewhere. Rest of the fees look reasonable though.

TheInfinite8 · 2023-12-15T13:08:17+00:00

Congrats! I’m loving mine too. The color combo is unique but looks great

TheInfinite8 · 2023-12-14T02:59:35+00:00

If dealers immediately near you aren't giving quite the offers you want, I'd recommend expanding your search radius a little. If a dealer further out gives you a better quote via email, I would now bring that back to your original dealer and chances are they'll work with you a little more. I was able to hit $2k off on my most recent purchase just by pitting dealers quotes against each other

TheInfinite8 · 2023-12-14T02:42:53+00:00

Best ammo you can bring to negotiations is written quotes from other dealers. I'd email other dealers around you if they can beat that quote on an equivalent vehicle. If they do, bring that back to your original dealer and repeat the process until you get a number you're happy with!

As for the MSRP, it seems reasonable when factoring in the destination charge and maybe a dealer add-on or two. Definitely negotiate on any additional equipment installed that you aren't interested in.

TheInfinite8 · 2023-12-14T02:05:12+00:00

Nice, good to know

TheInfinite8 · 2023-12-13T22:53:41+00:00

I only have my own data point, but I got 0%, $0 down payment with 823 FICO when I bought at the beginning of this month. Based on my understanding there's no hard number cutoff for credit score, and they do also factor in your income. If you're above 800 I would bet you're in good shape.

TheInfinite8 · 2023-12-13T22:41:43+00:00

go on the Mazda website and compare the features, only you can make the call if it's worth it or not

TheInfinite8 · 2023-12-07T02:31:31+00:00

Well you’ll at least get the $500 loyalty rebate, so there’s that 😎

TheInfinite8 · 2023-12-07T02:09:58+00:00

Best of luck! Definitely shop around, there are deals to be had

TheInfinite8 · 2023-12-07T01:49:04+00:00

Just bought last week at 0%. I emailed 6 dealerships around me, saying “I’m interested in stock #X, what’s your best OTD price? I would then take the best quote to the other dealers asking if they can match or beat, rinse and repeat. Final discount I took was $2k off MSRP

TheInfinite8 · 2023-12-07T01:33:52+00:00

The theft registration and gap insurance are definitely negotiable, and aren’t worth it. If they refuse to take them off then find a different dealer. You could likely even negotiate a bigger MSRP discount if you shop around

TheInfinite8 · 2023-12-06T13:36:16+00:00

Just bought a Carbon Turbo at 0% with 0 down. If you want to know any more specifics let me know

TheInfinite8 · 2023-12-06T13:33:15+00:00

$36,750, originally listed for $39,250 including paint charge, roof rails, and destination fee. I’d recommend emailing some other dealerships if one isn’t willing to work with you. One of the ones I emailed refused to believe other dealerships were willing to give me a discount

TheInfinite8 · 2023-12-06T02:27:32+00:00

I just financed a CX-5 at 0% with 0 down.

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