At what point is a New(er) Car mathematically worth it? Constant maintenance of 10y/o car with 100k miles . My 2013 Nissan Rogue, lets say on average, is $2,000 a year of additional maintenance of parts breaking down. That’s what the last 3 years has been, roughly. The loan has $4000 left on it at 13% APR. However, I’m dumping every spare penny into my retirement and stock market, and wanted to do that for another 2-3 years before upgrading my car. I …

Employer is dropping their 401k match in exchange for free 5% contributions into a cash balance account tracking the 10Y treasury yield. Should I (24) change my investment strategy? As the title mentioned, I’m losing my 401k match in exchange for an account that historically has lost significantly to the S&P. There are pretty much no benefits to me since I already hit the 401k match (formerly 5% at 1:1 plus 1% free) so this is definitely an overall loss. This match, as well as my maxed out HSA and Roth IRA, currently goes f…