u/Identity525601

Income blew up in the past 8 weeks. Went from about $220k to $300-$330k. We are 27M/26F so I think we count as HENRY for our age. Regardless of whether we qualify I would like the advice from this crowd

Wife was laid off. Rebounded very well but now has a 80 mile (round-trip) commute 3x per week.

My car is due. Trade in value is $600 which tells you all you need to know. She drives a 2022 Equinox that we can get another ~150k miles out of (and plan to)

Want to buy a 2026 Tesla Model Y Premium. Test drove, love it. Very safe, less maintenance and gas with all that mileage, and the Full Self Driving is big value for spending 2.5 hours commuting.

58k OTD. $15k down. 0.99% for 72 months. $600/mo.

Looked at used ones (2024) - even considering depreciation savings, its about $10-$13k more to buy new. Over 10+ years I feel thats worth it for the new features.

This is far more than I ever thought I’d spend on a car and swore off buying new. I find that relative to income and savings it’s not very consequential, but I’m kind of uncomfortable spending money like this.

I almost feel like I’m too young to be enjoying nice things.

Is that a normal feeling or should I listen to my gut and stay cheap?

Edit:
$100k annual spend

$250k in retirement
$80k in cash
$75k home equity

$80k/year contributed to retirement ($12k space left in her 401k)
$3,000/mo saved in brokerage before bonuses (estimated to net another $17k - $30k)

The consensus online seems to be:

1. The coin pouch after neutering is normal and recedes after a few months.

2. Dogs that get neutered later in life may have more of their coin pouch remain.

Since Pyrs are giant breeds, the recommendation is to neuter them at 2 years. For those who followed the advice to wait until their Pyr was full grown, did they end up keeping their coin pouch?

We neutered our 75% Pyr mix at 17 months, so not quite the 24 but they did say from scans taken alongside the neutering that he did not have hip dysplasia (one hip was close) and his growth plates were closed and so he was fully grown.

He's not as big as a purebred Pyr: 90lb soaking wet (well.... less now) but his were nearly the size of golf balls. So I'm wondering if his coin pouch will be flopping around in the breeze just like the good old days for the rest of his life? Or maybe if we're in the sweet spot where he is old enough to avoid the risky neuter but young enough for the coin patch to adapt to the new reality?

I used to pretty strongly dislike Fidelity when I started using their services over a decade ago: their website was bad, very buggy, bad layout, different links took you to completely different places in the website that made it counter intuitive how to navigate. I just thought that it was overall not as serious or professional as vanguard.

But over the last decade, their website has improved, they've launched their line of ZERO index funds, and after having had to do 5 HSA rollovers this year, I have to say: things have really improved.

During my 5 HSA rollovers: I have had to call Fidelity a bunch of times, and the one word I think when I talk to their customer support is: competence.

Their transfer assets setup is really nice: 2 of my HSA rollovers "just worked" and the other 3 were all squarely the other custodians' fault. When I call the other custodians' customer service, quite frankly: they have no idea what the hell they are doing. Optum told me to fill out the wrong form that is very clearly to transfer assets going the other direction. WEX was a freaking nightmare, to be fair: that one was partially my fault but their processes also suck, on hold 1hr+, and they made a mistake.

Every time I talk to Fidelity customer service, I don't have to explain Finance 101 to the customer support rep. They are coherent and they understand what I'm saying. I don't have the sinking feeling that I'm going to have to explain something really basic to someone to help them do their job, like I feel when I have to contact the other providers.

And their product offerings and website are very intuitive, nearly on par with Vanguard honestly, and perhaps some of their index funds are even superior.

So I wanted to give some recognition: Fidelity: my opinion of you at the beginning was you needed to get your $#!+ together, and over the last decade, you have. You're finally serious people, well done.