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Are you asking for permission to buy a $175k car or wondering if you can afford a $35k car?

>However our fixed expenses (mortgage, utilities, childcare, property taxes, insurance, and student loans are 16.1k per month).

You fixed expenses don't matter if you're spending 100% of the delta, what are your total monthly expenses?

You don’t have to be a genius to understand basic information like this. It’s their property, not yours, and you’re not in a contract right now.

Your remaining income per month is more than 90%+ of others in the US have as pre-tax income per month.

You can afford just about anything. The question is, should you? Would a $25k sedan from Toyota that will last 15+ years meet your needs? If so, would it be worth saving the rest of your money instead of using it for a more expensive car

If the town isn't that big, you could do it the old fashioned way and just cold call all of the storage unit places in the area to ask if they have a customer with his name. If they do, you could most likely explain the situation to them and let them know you'll pay the back pay if they will hold the unit while you become executor of the estate at the county courthouse.

I put in my information and I get error messages.

Mine did too. Turned out they lost it. Took 3 weeks to get a replacement.

Depending on the age of the car you can still likely get a car loan for a private party sale. Have you actually applied or talked to a banker about a personal loan? The credit hit is minor and doesn't matter if you are not planning on using credit in the next few months.

I dislike 401k loans in general as you are taking money out of the market, and depending on the plan rules may need to stop contribution, might not be able to pay off early, you would have to pay it all off should you be fired or leave before it's paid off, etc. It's also just bad practice to think of that 401k as a place to go get money from when in need. This is a want, not a need, not an emergency.

This is the type of thing savings are for especially when you can replenish in such a short time frame.

Yes you should.

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10% on 7k for 30 days is about $58. There is little interest to be paid to yourself or a bank.

Nice outcome. I expect the 13 month lease is just a standard contract/lease extension that they use whenever raising rent.

That's not true. There's a statute of limitations on tax debt. The IRS is very interested in getting paid before the debt expires.

Full send in process. Appreciate the advice and encouragement! I will be nowhere near drowning with a loan of that size.

California has a minimum 30 day impound for both DUI or driving on expired registration. A lot if the time these vehicles are abandoned instead of paying the impound fee. A lot of decent cars bought for teenagers that they lose from stupidity mostly.

Also let your auto insurance or insurance agent know that. Sometimes it can reduce your insurance rates when you hold the title.

Yes yes yes even in California!!!

Here's the law. Read Section b1E

https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=1946.2.&lawCode=CIV

"the tenant has refused to execute a written extension or renewal of the lease for an additional term of similar duration with similar provisions."

OP could try to hire a lawyer to argue that a 10% rent increase isn't "similar provisions." But that's something we'll beyond what should be considered here at r/personalfinance

How has mint failed you in monitoring your credit?

Credit Karma is another popular suggestion here that's free.

Not a genius like you are. Sorry

That should work. Technically it is as long as it is less than 60 days from the check being cut to the check being deposited.

Better approach though would be to get the old 401k to make out the check still to Fidelity, but mail it to you. You can then overnight it to Fidelity. That way if it gets a problem again, there is still no 60 day clock. Or get the old 401k to overnight it. But the old 401k might not cooperate with either approach.

So we asked them if we can month to month and they just said simply yes.

The way told me about the increase, it sounded like it had to be a new lease. I must have read it wrong or I'm just stupid. This what the email said

"Hello RoofKorean762 and all other occupants, This Notice is to inform you that beginning on 03/01/2023 the monthly rent for the unit you currently occupy, (redacted) will be increased to $xxxx.xx per month on a 13- month lease term. This rental payment is due on or before the 1st day of each month. If you wish to continue your tenancy, let us know as soon as possible and we would be happy to prepare your lease renewal. Please be advised that all other terms of your original rental agreement remain in effect. Feel free to stop by the office for any questions you may have"

Really bad idea.

Better ideas…

1. save up
2. car Loan
3. home equity LOC

You probably can afford it, but consider finding something cheaper and saving the rest. I'm currently leasing a 2021 Mazda 3, my payments are $350 a month. I would consider paying more but it would have to be for better car.

My credit score can fluctuate depending upon my credit card balance, too. It will bounce back up if your balance is lower next month. It isn't a big deal.

I would not pull from my emergency fund for what's ultimately a toy. Should I have the same view of my 401k?