1st gear - just yesterday my local Nissan dealer hit me up offering 15k for my 2015 Xterra Pro-4x with only 45k miles on it. I laughed the guy off of the phone. A: i dont want to sell it cause i use it a lot for what its built for and B: in Colorado, especially far Western CO, where i live, i could sell this for low…

9.95 depends on the brokerage and type of account.

I mean, yes, but.. youre paying transaction costs on any/all of those transactions and youll be taxed on gains, etc etc. I see your point but its not quite that straightforward. 

This is accurate and i am as cynical as can be with regards to politics right now.

You know thank you for actually doing the math tha ti was too lazy to do. I appreciate it.. Good info. 

burn it with fire

ah, well since you feel safe than empiric reality will most assuredly agree w/you. Good take. 

This thing is an utter piece of shit and should be scrapped. Cmon w/this bullshit. 

Wow, good for you - the M4 is a damn nice vehicle! 

eh, whatever. As i have made clear i value having as few monthly recurring bills as possible.

When has it ever been diffferent? Im open to suggestions if you are aware of a zero risk way to have investments appreciate in value over time though. Please share.

it is also dumb but, imo, ppl who were chosen by the stance life tend to not be such aggro tacticool assholes as the dudebro’s w/a 5in lift on their F350 so they bother me basically not at all. 

Andrew, youll be missed. One of hte only sane/fun/reasonable ppl on here. Best of luck to you!

Totally agree. I just prefer the flexibility i have. Teh fewer fixed monthly costs the better, imo. 

Youre certainly correct now, but ive had htis account since 2008 and i have enough in there that i get a pretty good yield out of it. 

I miss mine too! I was dumb and poor and had many speeding tickets and couldnt afford insurance on it anymore. I sold it after 50k glorious miles for only 3k less than i paid for it.

Because i take the 400 or whatever a month id be spending on a car and i max out my roth ira (i max out my 401k via work deductions), then i put money into my vanguard account, and i have enough cash on hand for 9 months of expenses in a high yield savings account.

Yes, i am very familiar w/your take on this and its not w/o merit. But its never made a difference to me. When i was young and poor and lived on cash only till i was almost 30 so i had no other choice.

The best thing I've ever done for my finances is have zero car payments for this century. This dude's car payments are more than my mortgage. There's a difference between being able to technically afford something and making a smart call to afford it 

lol, yeah, i was really struck by 3 years left on a 5 year old car that couldnt have cost more than 30k to begin with. Im glad htis dude can afford it but jebus. Stop the train.