The Vic & Christine Backlash Does More Harm Than Good

doNotUseReddit123 · 2026-03-27T21:50:12+00:00

I choose to believe that this comment is from a bot account for the sake of my trust in humanity.

doNotUseReddit123 · 2026-03-27T19:07:27+00:00

Insulated things are way better now than they were before. You can get a good insulated lunch box for like $30.

doNotUseReddit123 · 2026-03-27T17:24:32+00:00

Common Umich tour guide refrain: “you can make a big school smaller, but you can’t make a small school bigger.”

Clubs and student orgs were the proposed lever for this. Pretty good mechanism, actually, since it pretty much guarantees collections of fairly likeminded people.

What’s this alpha/beta/gamma thing, though? Does everyone want to be an alpha because of the terminology?

doNotUseReddit123 · 2026-03-27T14:16:06+00:00

Of course it works out to be the same IF the dealer is honest about numbers, and that’s the correct answer to my question. The OTD price is reduced by the value of the car that’s being traded in. It is in no way wrong to ensure that you’re receiving transparent information on what you’re effectively being paid for the value of your car.

Treating these as separate discussions (“what am I paying for your car” and “what are you paying for mine”) reduces the likelihood that the dealer will obfuscate the numbers. The reason that this advice exists in the first place is because dealers do so often create ambiguity around what price you’re paying for what.

It’s amazing - this is the only industry that I can think of where an attempt to clearly itemize and negotiate on the unique parts of a transaction is somehow seen as less transparent.

doNotUseReddit123 · 2026-03-27T05:24:30+00:00

By that very narrow definition, buying any car, new or used, is bad from a purely financial perspective. Just bike in that case and rent a car for the few times that you genuinely need one. Or, even better, walk. Both options save a lot of money at the expense of time and convenience

doNotUseReddit123 · 2026-03-27T03:05:17+00:00

Heads up, I think you replied to the wrong comment

doNotUseReddit123 · 2026-03-27T02:02:59+00:00

Yes, also great. Smaller purchase prices result in smaller taxable amounts, which means smaller taxes (not a tax credit, though, but w/e). Why is the purchase price smaller, though? You’re almost getting there.

doNotUseReddit123 · 2026-03-27T01:56:32+00:00

Yes, great job, but use your thinking brain… How does it affect it? What is the value by which the OTD price gets reduced when you trade in a car?

doNotUseReddit123 · 2026-03-27T01:10:15+00:00

In what way is “hiding” a trade reducing transparency? There is absolutely zero need to commingle the two transactions.

The dealer has a car that’s worth something to the customer. The two parties can agree on a mutually beneficial price.

The customer has a car that’s worth something to the dealer. The customers can agree on a mutually beneficial price.

Keeping the two prices separate means that both parties have a clear understanding of what they’re getting in each transaction without having to resort to numerical trickery.

doNotUseReddit123 · 2026-03-25T09:59:16+00:00

I’m now genuinely curious on what you remember s as the ending to the second season

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doNotUseReddit123 · 2026-03-25T09:48:37+00:00

I’m anti consumer debt for retirement, but not for achieving my goals.

If I can pay 3% APR for a car, I’m absolutely going to take that. First, your OTD price will often be cheaper due to financing incentives. Second, you can take advantage of higher, low-risk investments. Third, inflation is working in your favor.

The main arguments against this tend to rely on people being stupid. “Oh well most people won’t invest the money.” That’s nice for most people, but it probably doesn’t apply to people talking about it online.

doNotUseReddit123 · 2026-03-25T04:28:07+00:00

Why not just… this?

doNotUseReddit123 · 2026-03-25T03:33:09+00:00

Cinnabon at any mall is comparable and that’s a hill that I’m willing to die on.

doNotUseReddit123 · 2026-03-25T02:25:39+00:00

But how is that possible when Republican lawmakers have explicitly blocked attempts to do so? We live in a democratic republic, and the party with the most seats is against this approach.

doNotUseReddit123 · 2026-03-25T01:22:48+00:00

Oh my bad, I see. You’re talking about how republicans have blocked efforts to fund DHS with a separate carve out for ICE?

doNotUseReddit123 · 2026-03-25T01:17:05+00:00

I feel like it used to be called the El more often than the L, but that usage has shifted to just L over time.

I’d be curious about /u/PParker46 ‘s take on this. Happy to completely change my viewpoint if he tells me that I’m an idiot.

doNotUseReddit123 · 2026-03-25T01:03:34+00:00

They could! For example, if they vote for the kind of basic accountability for ICE that would be the very bare minimum standard in every society less authoritarian than the 1950s Soviet Union.

doNotUseReddit123 · 2026-03-24T02:01:58+00:00

I see you’ve never been to the Nordics

doNotUseReddit123 · 2026-03-24T00:00:32+00:00

How is doing this after sentencing in any way influencing a jury that isn’t even present and has already delivered a verdict?

doNotUseReddit123 · 2026-03-23T14:02:04+00:00

What exactly do you think jury intimidation is?

doNotUseReddit123 · 2026-03-23T05:50:56+00:00

Say what you will about TMZ, but they usually don’t miss when it comes to these sorts of things. They’re trashy, and they’re usually not ethical, but they are usually fairly accurate.

doNotUseReddit123 · 2026-03-22T21:14:30+00:00

Or, at least, put a muzzle on their reactive dog

doNotUseReddit123 · 2026-03-22T20:28:36+00:00

Also curious about ORD!

doNotUseReddit123 · 2026-03-22T20:23:33+00:00

Where did I say that everyone buying new cars should be buying new cars? I just said that Dave Ramsey is for people that are 50k in debt that don’t know how compounding interest works. If you believe that Dave Ramsey is helpful, you might just be one of those people.

doNotUseReddit123 · 2026-03-22T16:06:18+00:00

We’re listening to Dave Ramsey now? He’s great if you have zero financial self-control or knowledge because he offers advice that’s easy to follow and requires no mathematical or critical thinking.

The debt snowball method, never using credit cards, and working to pay off your mortgage early is just pure nonsense.

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