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My question is about two loans that I take out that were really bad ideas.

And one of them was a car loan and one of them was for solar panels.

And they really put me in a bad financial spot and I really regret them.

And I was even thinking about lowering my 401K contributions. And they really put me in a bad financial spot, and I really regret them.

And I was even thinking about lowering my 401K contributions, which I don't want to do,

because truthfully, I should be putting in more, not less.

Got a lot going on here.

Let's say we focus on one thing at a time.

So how much do you have in the car loan and how much is left on the solar?

The car loan is 335 a month and the solar is $1.27 a month.

Okay. Here's the deal. I want you to stop thinking in terms of payments because that's what got you into this, right?

I can afford the payment. Who can't afford $127 a month?

And what you need to look at is the actual loan amount.

So what is the total loan amounts on both of those that's left?

I, to be 100% honest of you, don't know the exact number.

Because when I, you know, when they're selling it to me,

that's how they're talking about it, is just the monthly.

That should always be a red flag when they're not talking about the total cost of the item.

And instead, well, hey, we can do 50 bucks a month.

We'll just stretch out the payments, give you a crazy high interest rate, and we'll be out of your hair.

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