I offered no one financial advice. You offered up emphatic truths to strangers in a subject you have a cursory knowledge of.

I’ll let others decide what’s better.

You have a lot of confidence but don’t really know what you’re talking about.

21% auto notes can absolutely be a good investment. Where in the capital structure? How much excess spread? What triggers?

All that said, Carvanas is a shady company and their losses will be worse than peers as most people who purchased from them way overpaid and the stated collateral value is too high. (So their stated LTV’s are artificially depressed)

Be careful dude, blind confidence can blow yourself up.