I will gladly admit I don't own my Z. USAA owns my Z for the next 4 years. I figure why not just build my credit to the max. It is not like I am getting screwed with the APR I got a low APR so regardless I don't even see the money come out my check. I am use to not seeing it for the last 2 years that is don't even phase me.
Dave Ramsey is a smart fella.
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