Also want to note that I find reddit financial advice to be mostly geared toward the lowest common denominator. For example 90% of car posts will have “do not finance, only buy what you can afford with cash” as the most upvoted. This isn’t necessarily bad advice, it’s just the safest advice that’s geared towards those who tend to purchase beyond their means. If you have a good stable income/credit to where the interest rate on a new car is lower what you get from HYS or CDs, then buying in cash may not be the best option for you. Simply put, there’s a lot of stuff on Reddit that should not be blanket applied to real life scenarios, and only you can judge what makes sense for you. Lesson learned and best of luck to you.