u/Even-Temporary-2394

Just got my Conceal Carry permit (PA) and I plan to buy a S&W Bodyguard 2.0 next week. I travel for work throughout the United States and my next site is in Louisiana (sketchy area in Louisiana.) Is there anything I should know about the gun I’m buying or something I should get for how I’m going to use it? I plan on getting a regular holster, pocket holster, and a safe of some kind. I also plan on getting a CA compliant version of the Bodyguard 2.0 incase I end up going to some more regulated states.

I’ve been having trouble with these credit unions and Banks on getting a good auto loan rate. I was pre approved for some good rates by a credit union but rejected on their membership which doesn’t make sense. The best one I got right now on a used car is 5.79 for 66 months. Should I try to get the dealership to beat it?
This whole process is confusing me since it’s my first time ever financing and just seems like a huge hassling with the process. Not to mention the overpriced market for sedans currently.

Is it smart for me(22M) to put a 15k down payment on a 25k car maybe even less. This would be my first time doing an auto loan or a loan at all. I’ve been able to get a rate of 5.79 on a used loan for 66months which works for me. I’m going to try to get the dealership to beat the rate but we will see how that goes.

All of this has been very confusing for me since I’m doing it all by myself but figuring it out one step at a time. I currently have an early 2010’s Toyota but looking to get a 2024-2026 Toyota due to traveling more by car for work.

Finances:
770 Credit composed of 4years credit cards
40K Roth IRA
25k savings

Wages: 110k a year (roughly 105-125 depending on overtime)