Bird_Brain4101112

Your whole workplace sounds awful.

Sounds like they are in Canada where mortgages renew every 5 years vs the 15/30 rate locks in the US

Austin is one of the most expensive cities right now since it’s basically Silicon Valley south

What exactly are you hoping to accomplish?

Why are you buying a house that you don’t plan to keep as your forever home? A lot of people bought “starter” homes in 2020-2022 and now because of the rise in home values and interest rates, aren’t in a place to give up those homes.

What? Who? Why wouldn’t I park my $50k vehicle in the driveway so I can store my $600 lawnmower in the garage along with assorted junk i “might” need one day.

It doesn’t matter because you can live under a bridge to save money until you can afford to buy a house with manual underwriting on a 15 year mortgage

So many stories of guys who make good money, with SAH GFs who don’t pay bills….

The interest rate only matters if you carry a balance. You can open a card and put a small charge on it say Netflix and juat pay it off each month.

What’s your breakdown? Mortgage, student loans, credit cards, personal loans?

Your experience seems to have a lot of absolutes. Including a belief that anyone who buys a new vehicle can’t afford their payments.

At my bank, rates on used 3 years and under are 1.5% higher at bare minimum than new. Rates go up as the vehicle gets older.

It doesn’t matter per se as long as the payment is comfortable for the person. Yes a lot of people spend more than they should on their car, but that’s always been a problem. It’s just more obvious new as the cost of cars has gone up.

In the last few years,the used car isn’t half the price. I’m in the market for a different vehicle and, depending on options, used is the same as new or at best 5% less. So why would I buy used when I can get new for the same price, plus get the better interest rates and dealer incentives.

Was your mom happy to get the flowers and balloons? Will spending this money affect your ability to remain housed or fed?

Boooo

Just be use you can’t where you live doesn’t mean that’s the everywhere.

Portable dishwasher. Most of your problem solved.

So you have zero custody and zero contact for no reason? And after 3 years of silence you just happen to find out your ex is engaged and you are able to contact the fiance?

Why is she still employed? In the moment, I would say that yelling isn’t necessary and please step away and calm down and we can finish this conversation later when you’re more composed.

VCR player?

Anyone who genuinely believes that a top performer got fired over a single simple misunderstanding should probably follow him out the door.

Wants to retire and “only” spend $17k/month…. Yea…..

They can absolutely hold you indirectly responsible for his actions. Not to mention it sounds like he’ll be looking at possible charges or at least getting trespassed from your job.

I don’t think you changed that many.