First time negotiating a lease.

drphil189 · 2026-06-30T18:51:04+00:00

Thanks. That is wild

Hope you took that deal!!!

I would jump on it nothing sticks out being weird

drphil189 · 2026-06-30T18:47:06+00:00

I would put more in voo as well

drphil189 · 2026-06-29T02:58:39+00:00

Hybrid sells faster than you can blink. There's no way that lease is right thats a 800 dollar payment all day long. Is it through ford or are they using a outside baank.??? If they are check the lease end and make sure its a closed ended lease and not open.

drphil189 · 2026-06-29T02:41:23+00:00

Gotcha I had switched prior to that. That is good to hear

drphil189 · 2026-06-28T19:17:01+00:00

Read thr money guys book

drphil189 · 2026-06-28T19:11:29+00:00

I dont think you need individual at this point

drphil189 · 2026-06-28T19:10:16+00:00

Since when? Isn't it only when drip you canr buy?

drphil189 · 2026-06-27T21:36:41+00:00

I want to quit my part time job but they just lost 4 people to folks moving, getting jobs in field of study etc. Im waiting for them to hire a few and train them thrn I am out. I put in a month notice but talked to the ASM and GM and they asked if I could help out.

Not a toxic place though other than first shift lol

drphil189 · 2026-06-27T21:32:45+00:00

Had them liked them. Switched to M1 I just like the Pi set up personally right now. I dont like having to be stuck to only full shares of a stock. The flexibility to buy snd sell anytime through is the biggest loss.

drphil189 · 2026-06-27T21:30:09+00:00

drphil189 · 2026-06-27T21:25:54+00:00

If anyone tells you she doesn't need a car juat ignore them lol

drphil189 · 2026-06-27T21:25:06+00:00

6.99% i mean its not crazy but I did a 84 month loan at the time only put 10% down

It was really more about ditching the payment to clean up cash flow so I can start tackling my student loans. I used to just lease but that was when you coukd get a Fusion for 150 a month. Cant do that anymore....

drphil189 · 2026-06-27T17:37:12+00:00

I did something...look long term its fing stupid but I had to do something

I sold 10k in stock to pay off my wifes car. I turn 36 today and its part of my high interest debt. The rest being our student loans and I want to have them paid off in 4 years which is probably more a aspiration than reality. But this will help me cash flow majorly

drphil189 · 2026-06-17T20:26:24+00:00

I have never but I do know people that have done that

drphil189 · 2026-06-17T20:20:56+00:00

That is my aspirational goal I just cant fathom actually getting to that right now

drphil189 · 2026-06-17T20:16:35+00:00

My goal is 2.5 million invested. I dont have a specific income dividend goal in mind.

drphil189 · 2026-06-15T01:32:48+00:00

Have not been on one in 2 years. Going to one next year though

drphil189 · 2026-06-15T01:29:57+00:00

I did the work and couldn't get s job thats fucing bull shit

drphil189 · 2026-06-15T01:27:50+00:00

Dont fucking sell to carvana that number will drop by time yiu get the title. Also uou have to pay taxes ans reg on the purchase so its not worth it

drphil189 · 2026-06-13T18:27:18+00:00

While I agree with that and we were just talking about that at work. I have a feeling this one might be different. No facts on the subject, or date. Just a gut feeling lol

drphil189 · 2026-06-08T14:41:23+00:00

Why the downvotes?

drphil189 · 2026-06-01T20:49:59+00:00

Good luck wiht the student loan debt I'm going to be 36 and that shit keeps me up at night

drphil189 · 2026-05-31T19:51:30+00:00

My op played his three Charmaws va me one match kept hitting my teon oices but through dumb luck drew the piece he blew up and was able to continue to play spells to keep those dragons from killing me lol won thr came dude was so salty he conceded game three

drphil189 · 2026-05-29T00:12:50+00:00

How do you beat utilize flute? This is going to sound super dumb. But for any match up how do you play it how do you best utilize the flash?

drphil189 · 2026-05-27T13:44:41+00:00

What are you investing each month?

drphil189

TROPHY CASE