You just shared the most important part of the story, you are in a FUNK. Not sure where you are in your life, age, job/career, etc, but making a purchase of 35k is a big deal when you have the money, but making a 35k loan is bigger and arguably a bad decision. Have it been around the block a few times, if I could do it again I would never, NEVER, make another loan for a vehicle. The feeling you had for the moment when you sat in that new truck, that wears off and when it does your left with the $35,000 loan to repay. Now, I know the lure of the “new” often grabs guys by the balls and there’s not much I or anyone could say to change their mind but maybe do some research on what a loan of that size costs you? Then take a look at depreciation, the vehicles ability to retain its value over time and miles and ask yourself if this is really a wise decision or is a temporary solution to the “FUNK” problem? I grew up fast, no real father to show me the ropes, so failure has been my mentor for the past 30 years. Fortunate for me God made me resilient and tenacious like mofo and today I have enough past to make my present manageable and even enjoyable. He’s my last swing at some good advice…wait…give the $35,000 sentence more thought. Look up Dave Ramsey and listen to some money management stuff he teaches and take back you life! You must be a fighter or you wouldn’t be here, time to get back in the ring!
