I was speaking with a friend of a friend last week. His daughter had recently entered the workforce after obtaining a very good education. The job she’d taken wasn’t exactly what she wanted to be doing, but she was happy to have it. (He was happy she had it, too. Wink, nod.)
He had offered to give her an old family car to start out with. It was a 20 year old Volvo, cosmetically challenged, but reliable. (She hadn’t needed a car in college.) He had also suggested that she reach out to an college friend of his in her new city as a way of locating an apartment that might be a value.
Wanting to be independent and make her own decisions, she declined both offers. She purchased a new car–inexpensive and economical, to be sure, but one that still required a down payment and monthly payments–and signed a…
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