Oh Jesus, I thought you were joking.

Gentlemen: do not Google this.

So the author bought puts?

You know the market understands this very basic concept, right?

December being a better month for movie theaters is like the definition of something that's priced in.

If you take the extra money you were going to put towards your mortgage and invest it instead, your returns will be greater than what you gain in equity. You can usually get roughly an 8% return in the stock market, and hell, even CDs are offering like 5% right now. So if you keep that up for 30 years, your investments will far outpace what you can gain in home equity.

Sure, anything you can do to pay it down faster.

Assuming your interest rate is fairly low, it's usually better not to pay off your mortgage.

That being said, we're also human, not robots. Some people aren't disciplined enough to have extra money in their accounts each month and won't actually invest it. In that case, paying off the mortgage faster is smarter than nothing.

Youre definitely not going to complain that you have too much equity in your home or that you don't have a mortgage because you paid it off early. Could you have made more money in the market? Probably. But that's assuming you would've actually invested.

Yeah there's only upside to paying off your car faster. If you're making $1500/month and basically paying around $900/month between your car payment, CC, and insurance/gas, there's no real downside to paying it off faster. Even a couple hundred a month extra will make a huge difference. Presumably, you have a safety net with your parents and don't need to worry about rent/food/etc., at least right now.

The other thing you can do, of course, is try to find something that gives you more hours or pays a little better.

Cool car.

Yeah if that's all you care about, sure. It's just the most expensive way to drive a car other than literally renting one.

None of them are good. They are varying degrees of terrible, bad, and less bad.

If you're trying to improve your financial situation, buy a less expensive car to drive for a few years. Doesn't have to be a piece of junk. It can even be new, especially since used prices are high.

But if you put nothing down and hold it for only 3 years, yeah you're probably going to be upside down unless you just get lucky.

It's going to cost you $15,000 to rent this car for the next 3 years.

Lack of insulation.

Now let's do the thread about how terrible new builds are, even though they're actually insulated and have heat/air.

For very basic, simple driving at slower speeds, I'd just drive around the Robinson mall parking lot. It's never busy, you have huge open spaces, you can practice parking, backing up, and you can do loops of the whole thing at 25-30mph to get practice going a bit faster.

376 outbound past the airport is good for getting someone used to driving at higher speeds. It's usually not all that busy, so it should be smooth sailing all the way to Beaver County, especially on the weekends. Same with 22/30 going west towards Ohio. Not a whole lot happening on that road unless there's a concert.

Sink or swim, kid.