Tax loss harvesting pushes taxes down the road by lowering your cost basis. You pay less taxes now due to the loss offsetting gains and up to $3,000 of income. However your lower basis will result in more capital gains taxes layer when you sell the shares you buy while the market is down. This can be mitigated in two ways. The first is if you have a low income in the future and are in the 0% capital gains tax bracket. Then you can sell the low basis shares without having to pay taxes on them. The second is donating them if your are charitably inclined. That allows you to deduct the fair market value of the low basis shares (if you itemize) and get rid of them without paying the capital gains tax.

Doing a new lease every few years means you are always paying for the steepest part of the depreciation curve. You would be much better off to buy a used car that is a few years old and past the worst part of depreciation or a new car and keep it for a long time. Even at $5,000 per month net, the car you are thinking about does not make sense.

What I gather is you want to lease a car that costs almost as much as your annual income. That is just nuts. You should be looking at buying a quality used car somewhere in the $20k range. That would be much better financially. Leases are typically more expensive in the long run than buying.

It might help to ask around and see what specific topics people want to learn about. Financial literacy is a very broad subject and you probably could not cover everything that might be useful.

I have never had a mortgage so unfortunately, I don't have any experiences that might help.

I am not an expert in this area, but from a quick search it looks like you have different options based in what kind of mortgage you have. See the article below. It might be worth discussing other options with your lender.

https://www.forbes.com/advisor/mortgages/what-happens-after-mortgage-forbearance-lifts/