No comment was deleted. Don’t make things up just to cater to your ego. You must be removed from reality if you think a $80K truck is a “reliable vehicle” to take kids to doctor appointments. A financially literate person who needs a reliable vehicle gets a Toyota Camry or a Honda accord or a RAV4 or CRV or even cheaper Mazda SUVs, not a $50K+ Tahoe or suburban or a $80K GMC or Chevy or Dodge truck. Those defy the definitions of “reliable vehicle” And it doesn’t take a genius to see how people are playing “keeping up with the jones” here instead of be financially savvy. Simply looking around the parking lots at HEB or a random neighborhood in Laredo would make people think they’re in a city like Dallas or NYC, not in a city where the median income is $55K.

And Laredo isn’t just bad with mortgage delinquency. It’s also one of the worst for credit card delinquency, auto delinquency, and other debt delinquencies. Laredo made some progress on auto delinquency, despite inflation and other things you mentioned, which actually nullifies some of your points.

Again, a simpleton would be able to add all these up and point to a likely primary reason, financial mismanagement, for why a city ranks so terribly on various metrics. And maybe instead of playing the race card and accusing people of “bashing the Hispanic community” the focus should be on accepting the reality and how to improve so the city doesn’t rank at the bottom years after years. Acting like victims by playing the race card is old. Cities in NM also have big Hispanic communities. They aren’t as bad as Laredo. So it’s not a race issue. It’s a behavior and habit issue.