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So, $1,300 * 12 = $15,600
You spend that for basically nothing and you are going to make fun of talent for having thought of something more enjoyable to spend their money on than nothing? Or, to put it another way, you are appalled at the talent's crappy 22% rate on a car loan, but you are willing to spend $15k for what is probably less than $5 worth of healthcare per year. So your rate is effectively 300%+, which seems worse than the 22% you would know not to pay.
I think a lot of Kayden's article, which you pasted in, is good advice.
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