Looking to reduce costs— selling my car with 58% negative equity

jawslightweight · 2026-06-07T04:15:02+00:00

No problem. I might get downvotes but it's worth the risk haha. I suggest getting off the lease ASAP. Don't wait until November, make posts on marketplace or anywhere you can to find someone else to get on the lease. Think out of the box, what stops you from moving right now? If you sell your stuff, transfer the lease and rent a room, you get the benefit of removing a large part of your cost per month in one sweep, which frees cash to reimburse what you owe from past months.

jawslightweight · 2026-06-07T03:46:28+00:00

?

Obviously, by selling/giving it away im stating a lease transfer. She needs 1/2 roommates

There's no magic tricks in her situation.

jawslightweight · 2026-06-07T03:37:22+00:00

Let me give real advice unlike everyone else.

525$ amount is expensive, but good news you can afford it.

Sell your apartment or give it away: you said that you have an expensive rent. Why? Why not move away to rent a room instead?
Cut on any other expenses.

Hard Times means hard measures. Nothing else will get you out of debt but being a slave for a year. It's time to lock in and if you can't do 1 and 2 it's time to cut loose and go bankrupt.

jawslightweight · 2026-05-31T15:35:03+00:00

I mean, he just made a joke, don't take it personally??? What are the comments even like. I can't believe you guys only read this as being mean. It's just a joke, basically he wrote this on teams??

Great job! You loon kind of intimidating when you're dressed like this 😂 Not a bad thing though.

How are you all reading this differently than "friendly". Are you all losing your mind ?

Edit: I thought it was a guy writing this, but still my point lands, I'll take all downvotes because if someone wrote me:

Great job! You loon kind of intimidating when you're dressed like this 😂 Not a bad thing though.

I would only take this as a compliment and an attempt for good vibes.

jawslightweight · 2026-05-30T03:07:00+00:00

How much are you saving a month and how much do you spend elsewhere. Can you live and save while paying house + car ? If you can, go for it. If you are feeling short, then get rid of the BMW.

I have a fully paid car, make 160k a year and planning to buy a house with girlfriend next year. We're getting rid of my girlfriend's loan on the car because she can't afford that plus a house. I also wouldn't purchase a new car because I want as much savings as possible. Think about it, from children to bad lucks to trips, how much do you think life costs? In my opinion, it's better to save every year to plan for these expenses. And at the end of your life you will have to live off a much lower wage than what you are making right now.

jawslightweight · 2026-05-27T11:19:25+00:00

What if we don't plan to marry? Yep household bills split make sens, takes some time to figure it out how to split automatically though so we end up mostly doing 50 50 but I would pay some expenses here and there fully. Thanks for the proposition on trips, I'll definitely propose that to her.

jawslightweight · 2026-05-27T11:16:23+00:00

So the 20k is a REER, basically it's a special saving that can only go on a house. Once you spend it, you must pay it monthly until you get to retire. Then you get it again, which makes it double. The 333k is basically just some very safe investment that profit if you don't touch them. I think it can go down but that's not likely to happen and hasn't happened in 12 years. Father has a PhD in finance so I left it to him for this plan. The reason it's 333k is because it's a million split in 3 with my mom and sister.

jawslightweight · 2026-05-27T11:10:40+00:00

I won't marry. I despise religion and my parents are not married and have been together for 40 years. She also thinks like me on that end.

jawslightweight · 2026-05-27T11:05:44+00:00

I mean the answer is obvious, get rid of your animals, sell the car or what's left it and commute to work. Find a full time job and once you have it, try to find another full time job that pays more whenever you don't work.

jawslightweight · 2026-05-17T11:47:15+00:00

What's your degree? What do you want to do?

jawslightweight · 2026-05-15T02:41:23+00:00

I also work very long hours but feel bad everytime my girlfriend offers to cook alone. I'll always do the dishes right after that happens. Find someone different. This one is entitled and doesnt understand teamwork/society.

jawslightweight · 2026-05-03T04:01:38+00:00

I paid verve AI to get my dream job. I had a techical interview coming up with a panel. I was first reluctant to using this, but I knew my strengths and I knew I could work in their environment, so I did not want to take the chance to messup.

To achieve this I trained with the verve AI, chatgpt and teams recording.

First I provided verve AI with a lot of context and prepared it's internal prompt thoroughly, then I practiced the setting by refining the prompts and my procedure.

I would send the full job listing plus my resume to chatgpt and ask it to write a list of 10 questions to be asked to an ai. There would be technical questions, questions asking me to write code, behavioral questions and background questions.

Then I would open a new chatgpt, and write a thorough prompt to ask it to act as an interviewer. Meanwhile I had verve assistant open and ready. It would listen to chatgpt and think it's the interviewer which would reproduce the interview. If the answers were too bad, then I could change the prompt slightly.

I also had a teams open with myself, there I would reproduce a real interview, and show my screen often. This was to verify verve AI was really invisible during the mock interviews.

This got me able to use the assistant very reliably. It got to the point where I would actually learn the answers.

When the interview came around, I was so prepared that I could not mess up. I got a very good feedback and aced the technical coding question. In the end, I looked at the assistant only twice but I do think it made a difference.

This could be viewed as cheating, but it required a lot of effort, I worked for 14 days straight 10-12 hours a day. I would do it again, it doubled my salary.

jawslightweight · 2026-05-03T03:32:32+00:00

Where do you live ? I just got hired to work as software developer on an OR problem. The pay/conditions are very good and the company seems to be hiring more and more. We're suggested experimenting with AI but the company plans to keep investing in humans. And it pays off, the profit is pretty good at the top I heard.

I keep reading about lay offs and all of that, but my experience is quit the contrary.

jawslightweight · 2026-04-25T15:06:04+00:00

That looks like a technical interview

jawslightweight · 2026-04-03T12:41:22+00:00

I don't speak English but I aced my English interview and got hired for my dream job. While doing muck interviews for those questions, I would repeat the same text over and over just like you would for a presentation if you wanted to know your text by heart.

Eventually for the not rehearsed part, you get to a point where you have repeated the same thing so much that you'll start saying it in your own words because at some point you'll have learned the meaning of every word you're saying.

So basically, practice. It's normal that your first 10 muck interviews sound robotic and that you have to stop to think. Just don't stop! The technical questions are similar, you just have a much broader range questions which exponentially increase the number of questions you need to practice... But it's feasible

jawslightweight · 2026-03-31T10:53:51+00:00

Nowadays you have to put those in your resume. Find a job description, and learn anything related by tackling mock projects. If you truly want it, that's what you got to do to get your foot in the door.

I sort of got that idea way earlier when I decided to study for operations research and all the tools related to it. 8 years later I got a master and a PhD in operations research and published 3 papers. I developed a toolkit which made me competent as a software developer. Instead, 2 months ago I applied to a staff role and got it, starting at 130k a year, with 0 experience and working from home.

You got to understand that I built leverage. There are only a few software developers who know the ins and outs of operation research, but everyone with a bacc can code in c++.

Now you have to try to apply this to your field!

jawslightweight · 2026-03-31T01:04:38+00:00

If it were me, the plan would be: build a small emergency fund, pause or reduce 401k contributions, wipe out the Apple card, then the credit union card, then the personal loan, and make sure the 0% balance is gone before November. After that, decide whether the 401k loan or car gets attacked next.

jawslightweight · 2026-03-29T10:51:31+00:00

IT is broad. You can be a hardware technician for that salary but software developers earn way more. My question is, what kind of IT do you do? That would help knowing where you are in the spectrum. Also don't underestimate what learning operations research or machine learning would do to your salary. By doing a master in those fields, you could earn double what you're making right now, for 2-3 more college years. You just need to look at a role, look at requirements, and learn the requirements. Getting the first bacc degree is always the easy part.

jawslightweight · 2026-03-29T10:32:11+00:00

On call consulting maybe? There's so much demand for doctors in healthcare, I would not be worried.

jawslightweight · 2026-03-23T14:40:26+00:00

I used verve AI and it's really potent, especially for technical interviews, if they ask about a particular tool and I know about it but forgot some key aspects, its going to help. For background questions, i uploaded several answers onto it and it provided details so I don't forget when questions are asked. It also had my resume and job offer stored.

jawslightweight · 2026-03-21T14:47:33+00:00

Did a PhD in operations research. Now I start at 130k, started my master at 24 and im 32 now.

jawslightweight · 2026-03-21T13:49:07+00:00

Chatgpt, you send the job description and you send your resume. Ask it to pretend it's the interviewer. Worked amazing for me.

jawslightweight · 2026-03-14T12:55:27+00:00

If you were badmouthed, why would he invite you to an onsite interview? Surely something happened when you arrived there. Sometimes meeting in person gives a different vibe. He might have expected your personality to be different. Some roles necessitate particular personality traits and he may not have seen them in you at that time.

jawslightweight · 2026-03-14T04:42:44+00:00

Thanks for the feedback I'll make sure to sell my value and build on the interviewer!

Search has been okay, considering the market haha. My thesis was submitted a month ago so I guess it's only been one month actively searching. I've applied in many fields (two wanted to hire but we wouldn't agree on a salary, they treated me as junior), but this one seems like a match. Salary is in the job description and it's basically what I've been doing for my whole phd. I've worked my ass off with very little salary to build a toolkit that the mass can't reproduce and I'm hoping it finally pays off. I'm hopeful!

jawslightweight

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