The most prestigious law school admissions discussion board in the world.
|
 |
 
|
Wasted 25-35 in biglaw, but now can retire with 1.5M
Poast new message in this thread
Date: July 24th, 2017 10:27 PM Author: boyish walnut pervert field Not sure if it was worth it, but looking forward to next phase of life living off investment returns. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33847752) |
 |
Date: July 24th, 2017 10:27 PM Author: Odious crackhouse giraffe what investment strategy are you going to employ brother? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33847758) |
|
Date: July 24th, 2017 11:00 PM Author: boyish walnut pervert field 65/35 stocks/bonds, low cost index funds (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848047) |
|
Date: July 24th, 2017 11:00 PM Author: Odious crackhouse giraffe does that spit out dividend income or sth? what do you live on? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848051) |
|
Date: July 24th, 2017 11:03 PM Author: boyish walnut pervert field yeah some, or you sell and take gains. Same difference. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848063) |
|
Date: July 24th, 2017 11:04 PM Author: Odious crackhouse giraffe seems kinda risky. i wouldnt want to eat away at my capital in the event my stocks/bonds werent appreciating.
have you looked into "dividend growth investing"? |
|
Date: July 24th, 2017 11:06 PM Author: boyish walnut pervert field Makes no difference whether your investments spit out $40K dividends or appreciate $40K. Same difference. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848081) |
|
Date: July 24th, 2017 11:08 PM Author: Sickened white incel fortuitous meteor CR. Dividend growth investing is for boomers who don't realize that a stock paying 4% dividend yield is going to appreciate 4% less than a stock of an identical company that pays no dividend.
Since cap gains and dividend tax rates are equal as well, there is really no difference. |
|
Date: July 24th, 2017 11:10 PM Author: Razzle-dazzle rehab juggernaut Yep.
Too many boomers chase dividend stocks so most of the time these are companies that are overvalued even when you net out their dividend.
The 4% dividend they pay would be much better used on ROIC projects which return 10%+. Many times, these stocks run sideways for years or get hit with multiple compression in the long-term as they lose their competitive positioning, i.e. retail/industrials. |
|
Date: July 24th, 2017 11:13 PM Author: Sickened white incel fortuitous meteor Yep. Look no further than GE or IBM. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848144) |
|
Date: July 24th, 2017 11:29 PM Author: Comical psychic personal credit line lmao these are the exact stocks my boomer in laws' financial adviser told them to buy (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848262) |
|
Date: July 25th, 2017 9:14 PM Author: Lime cracking church electric furnace Lmao just do assume there are always 10% ROIC projects laying around (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33854969) |
|
Date: July 24th, 2017 11:14 PM Author: Odious crackhouse giraffe tbqf i prefer the safety of knowing that my capital is in one place and that it spits out income that i can use for spending moeny and stuff. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848154) |
|
Date: July 24th, 2017 11:18 PM Author: Sickened white incel fortuitous meteor this is a false comfort though. dividends can easily be cut. just look at dividend paying stocks during any recession. or oil company stocks now, which were supposed to be some of the most stable dividend paying companies. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848180) |
|
Date: July 24th, 2017 11:28 PM Author: Odious crackhouse giraffe (guy who has never heard of DEM DIVIDEND ARISTOCRATS) (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848255) |
|
Date: July 24th, 2017 11:29 PM Author: Sickened white incel fortuitous meteor COP was a dividend aristocrat.
CVX still is a dividend aristocrat.
Guess how they've done since 2014? |
|
Date: July 24th, 2017 11:30 PM Author: Odious crackhouse giraffe just do xom lil breh (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848286) |
|
Date: July 24th, 2017 11:29 PM Author: boyish walnut pervert field It's not a preference man, you just are ill-informed. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848261) |
|
Date: July 24th, 2017 11:31 PM Author: Odious crackhouse giraffe very likely. im a dim bulb in many ways. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848290) |
Date: July 24th, 2017 10:29 PM Author: umber appetizing market corn cake (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33847770) |
|
Date: July 24th, 2017 10:30 PM Author: Dull Lodge hmmm. how you gonna retire on that brother? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33847784) |
|
Date: July 24th, 2017 10:58 PM Author: irradiated nibblets cuck Could easily retire on that outside of sf/ny/dc/la live on 45k passive 3% returns and chill. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848023) |
|
Date: July 24th, 2017 11:14 PM Author: Bateful nursing home organic girlfriend no, 45k is too low (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848147) |
|
Date: July 24th, 2017 11:29 PM Author: boyish walnut pervert field you can spend 60k on 1.5M. 4% is fine. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848269) |
|
Date: August 28th, 2017 10:22 AM Author: twinkling marketing idea (Boomer buying boats and going on cruses) (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34083773) |
|
Date: July 24th, 2017 10:31 PM Author: Magenta Supple Stead *poasts eth address* (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33847788) |
|
Date: July 24th, 2017 10:42 PM Author: spruce kink-friendly blood rage (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33847910) |
|
Date: July 24th, 2017 10:32 PM Author: thriller locus dopamine wtf? 1.5 million? fucking lol. kill yourself for thinking this is money. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33847805) |
|
Date: July 24th, 2017 10:41 PM Author: Indigo theater stage depressive Not worth it dude (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33847891) |
|
Date: July 24th, 2017 11:00 PM Author: boyish walnut pervert field Ship has sailed bro (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848050) |
|
Date: July 24th, 2017 11:14 PM Author: Bateful nursing home organic girlfriend net worth it (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848152) |
|
Date: July 24th, 2017 10:59 PM Author: lavender tantric police squad regret Just do move to South America and live like a king. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848037) |
|
Date: July 24th, 2017 11:29 PM Author: Bateful nursing home organic girlfriend dey keel you (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848267) |
|
Date: July 24th, 2017 11:00 PM Author: Razzle-dazzle rehab juggernaut I had a cash net worth of $1mm (now $1mm in real estate) but I am much younger than you and there is no way you can live off that.
Inflation alone will kill your living costs, so your best shot is to do what I did and buy 2-3 properties which hedge against inflation.
Once you do that, you will be forced to work a few more years to pay off the mortgage(s). Of course then you also need to eat/have fun so you will need to add on another few years to that while you are paying off the mortgage(s).
That gets you to about age 40. Then if you want kids you need to work until you're 50. If there are any emergencies (health issues, divorce, etc.) you probably should work until age 60 before you retire happily. |
|
Date: July 24th, 2017 11:02 PM Author: boyish walnut pervert field lol oh yeah inflation has been such a beast the last decade. Such a good idea to pile up "investment property" instead of getting 6% real returns in the stock market. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848056) |
|
Date: July 24th, 2017 11:03 PM Author: Razzle-dazzle rehab juggernaut I do both, but real estate has returned much more for me than the stock market has. You know Austin property saw 100% gains in the past 2 years right? LA was a great real estate market too. Excluding the ~$7k of rent I get every month, real estate has still been a better investment than a 100% net long portfolio. FYI I had a 10% IRR the past 3 years in the stock market, so a bit above market (i.e. S&P 500).
Anyways.
Your troll post is one I've made multiple times on different boards. Good to think about, but in no way realistic.
Sorry, I'll leave now, carry on with your thread. |
|
Date: July 24th, 2017 11:05 PM Author: boyish walnut pervert field Plenty of examples to follow. See ERE forum. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848072) |
|
Date: July 24th, 2017 11:05 PM Author: Odious crackhouse giraffe link pls (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848075) |
|
Date: July 24th, 2017 11:07 PM Author: boyish walnut pervert field http://forum.earlyretirementextreme.com/viewtopic.php?t=5061 (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848096) |
|
Date: July 24th, 2017 11:15 PM Author: Odious crackhouse giraffe lol fuck that domain name is hardcore (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848159) |
|
Date: July 26th, 2017 1:26 AM Author: Razzle Know-it-all Pit Mediation (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33856998) |
|
Date: August 28th, 2017 2:50 PM Author: Floppy Hall Toilet Seat Owner of that site just lives off his wife htfhxoxo (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34085909) |
|
Date: July 24th, 2017 11:05 PM Author: Odious crackhouse giraffe tbf his poast was more sarcasm than trolling. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848074) |
|
Date: July 24th, 2017 11:09 PM Author: hairraiser yapping hospital There are many markets where you can earn an 8-10% cash on cash return on real estate, not including equity and appreciation in the asset. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848117) |
|
Date: July 25th, 2017 9:10 PM Author: Nighttime Glittery Box Office Deer Antler Such as? This seems false. Cap rates are terrible most places. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33854955) |
|
Date: August 28th, 2017 10:24 AM Author: twinkling marketing idea Mississippi, Ohio, Michigan, etc (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34083789) |
|
Date: July 25th, 2017 9:16 PM Author: Lime cracking church electric furnace Lol brej I guarantee you won't get 6% real returns over the next decade (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33854988) |
|
Date: July 26th, 2017 8:51 AM Author: hyperventilating internet-worthy office sex offender Lol if you think the published inflation is the real inflation. Look at how much your medical and housing costs have increased. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33857744) |
|
Date: August 28th, 2017 9:55 AM Author: saffron titillating corner (Guy who thinks increases in the prices of specific goods = inflation) (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34083594) |
|
Date: July 24th, 2017 11:10 PM Author: territorial locale headpube How did you get 1.5mm by 30 or whatever you claim? Inheritance? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848123) |
|
Date: July 24th, 2017 11:12 PM Author: boyish walnut pervert field 35 (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848139) |
|
Date: July 24th, 2017 11:14 PM Author: territorial locale headpube I'm asking inambro. 1.5 by 35 is believable/standard for biglaw (I'm young and finance tho so what do I know) (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848155) |
|
Date: July 25th, 2017 9:10 PM Author: Nighttime Glittery Box Office Deer Antler Not really, no. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33854956) |
|
Date: August 28th, 2017 10:28 AM Author: laughsome duck-like macaca its not realistic. 1M would be a good outcome by 35 (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34083818) |
|
Date: August 28th, 2017 10:33 AM Author: Heady mad-dog skullcap goal in life TCR if you are living in NYC or SF, which are the markets where this is most realistic. Maybe could happen at a firm that pays NYC market in DC, ATL, or Chicago. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34083849) |
|
Date: July 24th, 2017 11:14 PM Author: Razzle-dazzle rehab juggernaut For me, my parents paid for college and my grandmother gave me $500k. Most of that is in an ETF the past 5 years which has really helped.
I did ibanking at 22 and work at a fund now. Bought my first property which appreciated by 50%. My second property appreciated almost 100%. My third property was a year ago and already appreciated 10%.
Basically inheritance and compounding capital. It helps that my work is 100% lined up to leverage my PA.
|
|
Date: July 24th, 2017 11:15 PM Author: Bateful nursing home organic girlfriend UW-Madison followed by Northwestern? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848160) |
|
Date: July 24th, 2017 11:16 PM Author: Razzle-dazzle rehab juggernaut Nope, never got an MBA. Top ugrad is all I'll say, no doobs.
To get back to the OP though, I have definitely thought about retiring at 35 or 40. But if you want kids and you don't marry an above average girl, you're better off just finding a job you love where you can at least net even paying off your mortgage and keeping up with your PA.
That you way you can 100% retire with about $5mm liquid net worth which is what I think the minimum is for those who want to keep an above average lifestyle. |
|
Date: September 16th, 2017 9:45 PM Author: sapphire low-t codepig legend lol what is the job that you "love" (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34226621) |
|
Date: July 24th, 2017 11:30 PM Author: Big masturbator patrolman that'd be so fucking CR (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848282) |
|
Date: July 24th, 2017 11:16 PM Author: Odious crackhouse giraffe 0x295a9bf1647c3790824DFeD2507338Ff897De075 (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848164) |
|
Date: July 24th, 2017 11:18 PM Author: territorial locale headpube Gotcha ty ty. Congrats. Yeah seems early inheritance is key. 500k at 22 makes it look easy. You got into real estate at a great time. Good job on selling them
Yeah my work lines up as well so in just focused on bootstrapping and getting the salary up. Although I'm a trader so living off 1.5 would be easy |
|
Date: July 24th, 2017 11:20 PM Author: Razzle-dazzle rehab juggernaut Yeah, much of it is luck and I won't deny that.
Also I realized that I would be bored if I fully retired. I prefer working, but actually doing something you enjoy. The major comfort I enjoy is that I don't need to worry about saving money every year. As long as I break even and can pay off the rest of my mortgages, I'm happy. |
|
Date: July 25th, 2017 9:12 PM Author: Nighttime Glittery Box Office Deer Antler Did you just 1031 exchange and keep getting bigger tax free? Any books you'd rec? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33854963) |
|
Date: August 28th, 2017 10:28 AM Author: Arousing Wrinkle just do inherit half a million dollars bro, guys in my high school did it all the time (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34083820) |
|
Date: July 25th, 2017 4:56 PM Author: amber concupiscible trailer park (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33853352) |
|
Date: July 26th, 2017 1:28 AM Author: maize pungent indirect expression elastic band *die unhappily. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33857010) |
|
Date: July 24th, 2017 11:10 PM Author: Sickened white incel fortuitous meteor Nice bro. I'm sitting at 1.25MM and I plan to do the same once I hit around 2MM. That's enough to live on 65k in today's dollars forever. Since I only spend 40k/year now it seems more than adequate. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848127) |
|
Date: July 24th, 2017 11:16 PM Author: Bateful nursing home organic girlfriend about a decade ago, this was my dream.
it did not work out. |
|
Date: July 24th, 2017 11:16 PM Author: Odious crackhouse giraffe relevant to muh interests.... as i asked above - how do you plan to get your capital to spit out that much in income? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848169) |
|
Date: July 24th, 2017 11:21 PM Author: Sickened white incel fortuitous meteor Div/bond yield on 2M is about 45-50k. I'll supplement the rest by selling shares.
Google "safe withdrawal rate in early retirement." Anything less than 3.5% has been 100% safe in all prior 50+ year periods. |
|
Date: July 24th, 2017 11:28 PM Author: Odious crackhouse giraffe so if i can maek it on just 30k a year i only need 1mn capital amirite? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848260) |
|
Date: July 24th, 2017 11:30 PM Author: Sickened white incel fortuitous meteor Yep. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848279) |
|
Date: July 24th, 2017 11:30 PM Author: Odious crackhouse giraffe fma i could have sold all of my eth at 400 and been done with irl. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848284) |
|
Date: July 26th, 2017 1:23 AM Author: coral crawly associate school cafeteria (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33856980) |
|
Date: September 16th, 2017 9:41 PM Author: Histrionic Crusty Ceo Sanctuary Woops! (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34226594) |
|
Date: July 24th, 2017 11:36 PM Author: umber appetizing market corn cake (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848332) |
|
Date: July 25th, 2017 9:13 PM Author: Nighttime Glittery Box Office Deer Antler Unless you get a wife or a family -- and ever man should have a family. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33854968) |
|
Date: July 24th, 2017 11:28 PM Author: Comical psychic personal credit line 180 (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848254) |
|
Date: July 24th, 2017 11:29 PM Author: Big masturbator patrolman how did you saev that much?
rich parents?
YOU WERE BORN ON THIRD BASE NOT IMPRESSIVE |
|
Date: July 24th, 2017 11:31 PM Author: Multi-colored very tactful keepsake machete you can't retire on that, it's not 1960. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848291) |
|
Date: August 28th, 2017 3:14 PM Author: Indigo theater stage depressive (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34086094) |
|
Date: July 24th, 2017 11:36 PM Author: Magenta Supple Stead bro i would do ten years in prison for that 180 enjoy lyfe u are good (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33848341) |
|
Date: July 25th, 2017 8:45 PM Author: Odious crackhouse giraffe (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33854832) |
|
Date: July 25th, 2017 9:12 PM Author: Adventurous mad cow disease queen of the night (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33854962) |
|
Date: July 26th, 2017 1:28 AM Author: Razzle Know-it-all Pit Mediation (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#33857004) |
|
Date: July 26th, 2017 7:56 AM Author: Buck-toothed orchestra pit Paying taxes on qualified dividends and long term capital gains is TCR. You can make up to $49,000 tax free.
4% is considered a safe withdrawal rate, so with $1.2 mill you could be drawing $4/month tax-free! |
|
Date: September 16th, 2017 9:38 PM Author: Wine Theatre UNGH (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34226578) |
|
Date: August 28th, 2017 10:12 AM Author: garnet boiling water public bath why not work a chill job for a few years and use that cash on high risk investments? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34083701) |
|
Date: August 28th, 2017 10:24 AM Author: Cobalt dashing windowlicker location do you plan on having kids?
what are you going to tell you kids, you turned documents for other people for 10 years and now you can bum around living on the same income as a roofer?
if i were going to be a bachelor and die alone this would be a good path, but jfc it sounds horrible if you want to have a normal life. |
|
Date: August 28th, 2017 10:38 AM Author: Bistre haunting dragon Just go to Thailand and live like a king on $3 a day. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34083892) |
|
Date: August 28th, 2017 2:46 PM Author: amber concupiscible trailer park CR (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34085883) |
|
Date: August 28th, 2017 3:16 PM Author: House-broken Parlour Toaster Pick a low COL place and you'll be fine. I have 3 kids and it doesn't have to cost that much. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34086108) |
|
Date: September 16th, 2017 8:26 PM Author: spectacular dysfunction you can take a low 6 figures job now but you can't retire. or you could but dumb. just get a breezy 9-5 for $100k until 50. or be a teacher and get summers off to travel plus a pension. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34226249) |
|
Date: September 16th, 2017 9:49 PM Author: Sexy slimy really tough guy gay wizard Youre a clown. Shitty decision. You will never be what you hoped to be. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34226640) |
|
Date: September 16th, 2017 11:32 PM Author: boyish walnut pervert field Thanks bro (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34227160) |
|
Date: September 16th, 2017 9:51 PM Author: filthy center candlestick maker All the $$$$$$$$ in the world will never replace losing the prime years of your life. Sorry man. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34226645) |
|
Date: September 16th, 2017 9:59 PM Author: Histrionic Crusty Ceo Sanctuary Now imagine losing those years and not having the money. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34226696) |
|
Date: September 16th, 2017 10:02 PM Author: filthy center candlestick maker Even worse. (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34226717) |
|
Date: September 16th, 2017 11:34 PM Author: Comical psychic personal credit line But presumably they paid off their loans, WORTH IT? (http://www.autoadmit.com/thread.php?thread_id=3684041&forum_id=2#34227182) |