Hi Opher

First (thanks for the heads up on my typo/blunder) I’ve corrected that now.

Second, Good on you for getting 0% car loan. My main beef with a car loan is that most people end up paying much more than you did. I believe the national average is between 4%-5% for a car loan.

I still think a car loan is worse than student loans because there is a significant ROI on education. But reasonable minds can differ on this subject, thanks for sharing your perspective!