u/ForsakenEarth241

On BS2, car loan is the largest remaining debt at $17,400 with a 13.7% rate. I've been throwing everything I can at it but the interest is making it feel slow.

The refinancing option came up and I've been wrestling with whether it counts in the spirit of the plan. The way I'm framing it: the underlying obligation doesn't change. The balance doesn't go up. I'm just reducing the rate on existing debt, which means more of each payment hits principal. The debt goes away faster or cheaper, not slower.

I ran numbers at a few places and the projected savings over the remaining term were substantial enough that I'm having a hard time arguing the "don't touch it, just throw money at it" approach is the better outcome.

I'm curious how others in the community think through this tension.

Can't figure out what a fair price for compounded tirzepatide actually is in 2026. I've seen everything from $150 to $450 and the variation makes no sense to me.

Currently looking at gimme at $163 on their 3-month plan. No membership fees, pricing is on the site before you have to fill anything out which was refreshing after the fifth provider that wanted my card details before showing me a number. Feels reasonable but I've also been burned before by introductory pricing that looked fine until month three.

What's everyone actually paying and is there something I'm missing before I commit?

Have like 8 days of supply left, current provider went radio silent on my last refill request after 4 messages. I'm on 12.5 maintenance. Don't want to lose my dose, don't want to gamble on a sketchy provider, don't want to take 3 weeks to research. Need something this week. What do you actually look at when you have to pick fast.