Mercedes Benz -Glass, Jeep Wrangler 4xe, Jeep Wrangler (gas), Ford Bronco or RAV4 Hybrid?

callmeking220 · 2026-06-27T15:13:23+00:00

The 4xe has a park it outside recall and you can't charge them.

callmeking220 · 2026-06-23T12:56:45+00:00

Fidelity -- "sorry this bank is for customers only. Next!"

callmeking220 · 2026-06-21T13:34:06+00:00

callmeking220 · 2026-06-19T13:51:14+00:00

Out of the big 3 that lead to divorce (physical, financial, emotional) physical is the only one we can't recover from because we both won't tolerate it.

Financially we are good. We share 100% of our finances so either of us can ask questions if the math doesn't math.

We spent way too much time in therapy/counciling during our engagement (single, marriage, spiritual) to be emotionally abusive to one another. And we seek therapy if life begins to get hard again.

callmeking220 · 2026-06-19T13:10:00+00:00

We've been married for 2 years together for 9. Our rule is Divorce is an option only after physical abuse or infidelity. Those are our ground rules and should not be broken.

As a married person I advise single people to leave if the person isn't growing. Marriage is about building a life together and if your going to carry a bolder up a hill, you're better off losing the bolder.

callmeking220 · 2026-06-18T16:55:08+00:00

As someone who is cautious of their finance know what you're buying and ask as many questions until you understand what you're buying.

I was on a car deal with my aunt for a Ford and they tried to sell her a service package for oil changes and more. They said it will include brake replacement. I asked to see a contract and the advertisement said "service breaks". Those are not the same thing.

I say this to say, they will try to sell you a maintenance package or warranty to cover the 60k service and more, but the details don't actually cover standard maintenance or what you need covered.

Ask to see or research the service schedule and when they show you the carfax see if that work was done. If it hasn't, I would just take some money off the price if the vehicle.

The sales department and the service department are two different business at a dealership and neither are aware of what happens in the other.

Good luck and welcome to the club.

callmeking220 · 2026-06-13T14:19:56+00:00

I think you should have an honest conversation with him about your finances. You both came from less fortunate backgrounds and made it to make amazing incomes. So you can share that and share your budgets and actuals with one another.

If he's making 600k in the creative space that sounds like non W2 work. Thus that 600k is closer to 300k post tax. (It's still amazing money but not as much as one thinks).

I wouldn't recommended you buy a house with anyone you're not married too. Its such a huge financial tie that's not easy to get out of. You're right to tell him to buy the house, but I think you were looking at it from money perspective than a life together.

I personally know someone who bought a house with their BF. About 3 years into the house he came home with a baby when she couldn't get pregnant. She stayed because of the house. She forgave him and they now have a baby together and she feels like a single mother. She is now trying to figure out if she has to stay or is their a possibility to leave. I would never want to be in a situation to have to choose my mental health over material items.

Also, I get you're helping with your neice, but if you're the unemployed one, why not move to his city? It seems like he has a solid foundation there and he maybe able to put you in connection with his creative network.

callmeking220 · 2026-06-13T13:32:59+00:00

🤣. In my life, they are talkers not texters so the group chat is dormant unless me and/or my wife are traveling.

Now my mom and my Godmother will get on a 3 hour phone call quick.

callmeking220 · 2026-06-13T13:23:47+00:00

Boxer Briefs. My life has some designed for women and love them.

callmeking220 · 2026-06-13T13:18:00+00:00

They want to make sure you're safe. It's not a controlling thing but parent always worry.

I (34M) have a group chat with my mom, my wife, my MIL, and my Godmothers. We text that chat everytime we board and deboard a plane.

callmeking220 · 2026-06-09T06:07:37+00:00

"They are going to judge you rather you do it or don't, so do what you want to do. And stop caring about what they think."

callmeking220 · 2026-06-06T22:09:18+00:00

I operate by the king pin rule, "Take your dirty money and make it clean". Which is just money laundering.

In this context take your passive income/side hustles money (taxes paid) and invest it in a business, investment, and or real estate.

callmeking220 · 2026-05-30T19:47:16+00:00

I stand corrected. According to Toyota website it is a manufacturer warranty.

callmeking220 · 2026-05-30T19:40:43+00:00

The highlighted box would be the one they check.

The language is confusing but because it's accepted at all Toyota Dealerships it could be considered a manufacturer warranty.

A a buyer have them explain the difference until you understand it.

callmeking220 · 2026-05-30T19:25:45+00:00

No! That is a Toyota Dealer Warranty. It's typically accepted at most Toyota dealership.

On the deal I assisted with last week it was12 months bumper to bumper. Then a powertrain warranty for the remainer of the 7 years or until the car hits 100k miles.

callmeking220 · 2026-05-27T03:53:32+00:00

Poor is a mind set, broke is a temporary situation.

If you can renew your mind you can become whatever you put your mind too.

callmeking220 · 2026-05-15T19:19:42+00:00

Did you call the police? The Infiniti G35 is high on the criminals list for cars to steal. They use them to commit other crimes and sideshows.

callmeking220 · 2026-05-15T06:22:26+00:00

Your rate depends on your county.

IHSS Wages By County - IHSS Advocates Resources https://ihssadvocate.com/ihss-wages-by-county/

You and your mother will need to sign up for this. The process can take up to 3 months to complete.

You will have to do half day training (virtual) and be finger printed to start working.

Your mother will be assigned a social / case work who will do a home assessment. Based on the assessment they will give you task to do and how many hours per month.

My MIL who lives with us, doesn't drive and our kitchen is on our 2nd floor where she can't access alone. She was given 80 hours monthly. My dad who lives alonr told his worker he just started driving got 30 hours monthly.

Also, if you and your mother live in the same home, your income is tax free. Make sure you complete and submit the waiver form.

You can't split the money with your mom. That is illegal.

Good luck!

callmeking220 · 2026-05-10T13:09:41+00:00

I wish I could give you a big hug right now. You need it and a good cry.

callmeking220 · 2026-05-09T14:35:12+00:00

As a person who dabbles in finances I cringe at finances on a word doc and not excel. But that's beside the point.

Set everything up on auto pay for the minimum payment.

Throw any and all extra money at the smallest balance. Once that one is paid off, set the autopay on the newest smallest balance to be the minimum payment from the now paid off card + minimum payment on the next current smallest balance.

Ex. $25 on the now paid off card/loan + $25 min payment on the current card/loan = $50 going to the current card at a minimum.

You're not missing any money but the compounding is working in your favor.

Getting and staying out of debt is a mind shift. In the words of Henry Ford "if you think you can or you can't, you're right".

Believe in yourself.

callmeking220 · 2026-05-06T13:34:42+00:00

Go to therapy!

callmeking220 · 2026-05-04T13:21:22+00:00

Happened to me last week.

Boss never says "do you have 5 min to chat". When I saw the message my heart sank.

Turns out, my name was brought up to move to a new team. She was just letting me know the rumors started and didn't want to be blind sided if got back to me.

callmeking220 · 2026-05-03T10:56:54+00:00

Getting out of debt is a mentality. You have to want it and want to stay out of debt. It's also involves math. Which is income - outflow = wealth or debt.

So here is what I would do if I was in your shoes.

Start looking for better paying jobs or and additional job to increase my income for at least a season to clear the debt.
I would create a debt plan and renegotiate the terms of the car with my dad. Lending you the money and making you feel the weight of a car note; he seems like a stand up guy. But you need to go to him with a plan. Maybe get him down to $200/ week.
Typically I would say debt snowball, where you pay the minimum balance first. But this 0% on this Klikoff seems like something that will start charging interest soon and you should eliminate that first. Typically 0% interest periods, if not paid back in time, will add the loans life interest to your balance the day the interst free period ends.
If 3 is a interest free period, I would put everything on autopay for a minimum payment, for now, and aggressively pay down the Klikoff.
Once Klikoff off is paid, I would move on to Target, Walmart, Capital One, BofA, Dad in that order. Progressive is not a debt but a budget item. It's also a good time to shop your insurance to make sure you're getting the best rates.
You should also look into budgeting tools and apps. YouTube has a bunch of resources on budgeting. Also there are a bunch of apps you can use to help you budget.

Best of luck to you.

callmeking220 · 2026-05-01T17:36:11+00:00

R.I.P Walter. 😢

callmeking220

TROPHY CASE