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Ok-Sea-4273 t1_iy4o15t wrote

While you don't have a car payment today consider making a payment to yourself. Within a few years you will have cash for the next car and will never be stuck with a payment other than the one to yourself which you can vary if you ever get in a tight spot.

Regarding rent, I'd lean towards a room mate for the next year, make sure you enjoy the part of town you think you want and then can decide after that regarding location, roommate, etc.

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