I have a loan right now that is at like 3%. I can pay it off now if I wanted to, but it’s so low that I can easily make more money by putting it away and collect interest on it. It would be kinda nice to get a new car, but where this country is headed, it’s not worth it. I feel bad for the younger generations and what lies ahead for them.

Ignore them. If you can, should you try and stagger the time off with your s/o. Don’t take it at the same time.