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Joined 1 year ago
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Cake day: July 10th, 2023

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  • If it’s always $350 a month, just let the debt ride.

    Over 6 years, $350 in year 1 is worth more than $350 in year 6 thanks to inflation (350$ in 2017 would be able to buy you $435 worth of goods or services today). If you have $12.5k sitting around - Invest that into something stable, collect the interest and just keep paying off the loan slowly because that’s the cheapest way to do it (unless we end up with negative inflation in the next 3 years - which seems unlikely, but who knows??)

    Cars tend to be financial liabilities, depreciation on a new car is just tremendous - next time just get a beater with working AC for as little as possible, do your maintenance and run it into the ground.





  • I’m not paid to shill for the tool company I buy my kit from. They all use the same battery, so it’s cheaper to not mix and match.

    I would probably only recommend my Bosch sliding compound mitre saw of all the tools I’ve owned - my only complaint about it is that the laser is not adjustable enough, but cuts are quality, angles are repeatable and I’m broadly very happy with it.

    Anything else is much the same as every other tool on the market.