I don’t think he’s wrong about the busy release year and I would even agree that most people didn’t expect Baldur’s Gate to be as massive as it was. I think everybody knew it’d be big, but it pulled in a significant amount of people that likely never imagined playing D&D. There are probably people who have had sex playing it. I don’t know what the numbers are, but from the amount of people that played it in early access I’d imagine way more actually bought the full game after hearing the good praise it got. I also think he should acknowledge that Immortals shouldn’t have been a near full price ($59.99 USD) game; that’s honestly my only issue with the game. It’s got good gameplay, a fun over-the-top story and it’s a new IP that doesn’t have scummy monetization practices. It’s a perfect buy on sale game that will surprise more people than not.

To say hello: Yo-dah-lee-yah-hoo, how are you?

To say goodbye: Too-dah-loo buck-a-roo, I’ll see you in a few.

Then I’d keep that up. Sounds like you’re doing great!

I see, and I hope I’m not coming off as patronizing or anything; however, what happens at the end of the 6 years if you fail to pay everything back? From my understanding of 0% interest loans (which I’m not a particularly financially savy person), if it’s not paid back by the end of that time (6 years in this case) you’ll most likely receive huge penalties. Not only to your credit score, but also to your wallet since you’ll probably be required to pay back much more at that point. Maybe you don’t make regular monthly payments, and there are no immediate penalties, but at the end of those 6 years you’ll still owe what’s left. I’d rather make a bunch of $350 payments than one $12.5k payment. Unless you could afford that, I just don’t think most people can ¯⁠\⁠_⁠(⁠ツ⁠)⁠_⁠/⁠¯

I just think staying in your current payment plan would be best. No matter what, you’d have saved at least $350 for your car each month, you might as well just pay it as it goes. Don’t pay it of too early it anything, but do what you can to reach that end goal. I could be wrong, but I doubt a car dealership would give out an untimed, pay whenever you want loan to somebody. Most dealers are out to make money and giving somebody a loan like that wouldn’t do them any favors. Even if you have good credit.

It’s never a good idea to try and screw somebody over that’s given you a good deal, not that I’m saying that’s your intent; however, that being said, I would pay the loan and not take advantage of it, just to be safe. It’s good for your credit score, it’ll erase debt, and you don’t know what could happen in the next few years. Medical accident, have a kid, get married, can’t work, get paid off, something, anything that can happen to somebody. You wouldn’t want some $12.5 grand just hanging around in debt. No matter what, that’ll have to be paid off some way, some how. Better to get it out of the way in my book, especially if you can right now. If you have a financial planner or fiduciary I’d talk to them too for questions like this. Not degenerates like me. Hope that’ helps. Not trying to scare you, but I don’t ef with debt.

Is this from CircleToons haha?