What if we’re right? We’re not trying to drag you down into the mud. There’s advice so time-tested that it has become ubiquitous in this community and you should consider that it might be valid.

If your circulon is new you can get away with it for awhile link

Yes, this. And anything with anodized aluminum, especially if you use the extra strength detergent pods. Learned the hard way.

If you put asterisks (*) on either side of a word it shows up in italics

You should take offense to her taking money out of your account before asking. Complete breach of trust. She has absolutely nothing to take offense to. You can’t control how she feels about you not giving her your money but you absolutely can and should have control over how much money you give her.

I mean… you could just buy the Corolla and resell it in 3 years, and the amount you would be upside down on the loan would probably be less than $16,000-payments made. This is a bad idea.

I know most folks are focusing on your debt but do you have any savings? I would set aside a small amount each month for an emergency fund in addition to making (ideally) a bit above your minimum payments so you don’t end up with a surprise expense that ends up putting you back farther in debt.