Unless you have a strong emotional need to pay off debt, I would pay as you go, especially since these are relatively low rates. You're doing great with your savings vs. debt.

Having flexibility now as you start your lives will help you make better longer-term-focussed decisions. I say this having been in the opposite position when starting out. If you do feel the itch to pay off, pay highest interest first - but wait at least until the 0% period expires.

We have low self-esteem and don't leave the house. Good luck

As a CT native who moved to the south it is actually pretty funny when I see people trying to say y’all there. It sounds really unnatural and forced lmao. I’m in my late 20s and as a kid and even a young adult you would absolutely be made fun of (not bullying just teasing) for saying y’all. Times seem to be changing. The only instance where it’s historically natural is when used by some African American people, as AAVE is obviously linguistically distinct and that’s different. That being said language is constantly evolving and it is moving into the overall national parlance.

But people not from the north often don’t use y’all as southerners would. I notice people not from the region will use it sparingly and in conjunction with more northern phrases. Northerners also never tend to use different types of y’all’s like y’all’s or y’alls, or even you all. So in that sense it’s funny because people are trying to adapt it, but don’t have the experience of just how many ways one can use y’all and just how often it is used down here. A southerner would also never say you guys lmao.

So you guys can clown this guy all you want, but they do have a point about it being an unusual phenomenon of recent nature.

Anyway that’s my two cents.

Go after their pensions.

As somebody from Boston living in Philly for the past 16 years the answer is all of the Northeast hates each other. It's a special kind of love.

Also, the amount of MA plates I see down here now is absurd.

It's such a cute show where the comedy still holds up for me.

What's LLM-Romance?

I wonder if it skipped like a ‘90s portable CD player.

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Absolutely great series. I'd love if they were to reboot it.

It’s pretty damn awesome. My neighborhood is a 15 minute community. I can easily walk to a couple of grocery stores, a library, three parks, a couple of haircut places, several bars and restaurants, and some general stores.

I can go weeks without needing to drive.

What are you basing that on?

Let me guess: They have to mail the form in.

Just max it out from now on. Live off your savings if you have to

Start here: https://www.reddit.com/r/personalfinance/wiki/commontopics

This is as good a thread as any to say I just got durock stabs for the first time, holy shit, I want a new board just so I can type on them at the same time

I mean

Wait, what is this about again

Now that's a NH back yard.

If you're anything like me, though, you wish you had a couple acres of woods surrounding you.

That’s a lot of words just to say, “People have different opinions on things.”

That’s a deep dive.

If cartoons have taught me anything it's that you need to throw the cat off the roof for it to work

Ahhh here we are

i used to go to dev community things in their campus and it felt like it must be a dream. Circa 2007ish

10 years ago I started meeting people who although were paid well kind of gave up because of beaurocracy

and here we are 2023 and it’s just another job basically

I was waiting for the wood on wood comment :)

That sweater is the icing on the adorable cake!

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Your best bet is in a small town I guess

Cardio