We didn't get far enough to see what kind of interest rate he was going to offer me because he became very uncooperative when I told him I wanted to discuss "final price" and not "monthly payment". He was like a dog with a bone on that monthly payment thing and I'll be honest with you, my house is inherited so it's paid for and my current car was paid cash for and I carry no debt at all so I can basically afford any monthly payment, I mean I could probably buy a very nice ferrari and afford the payment, I just don't have much in the way of expenses. I'm single with no kids and no house or car payment, my monthly expenses are food and utilities. I didn't want to talk monthly payment because I didn't really know what to say "uhh as long as it's under 2500 I should be ok..."

I don't really know anything about money. I inherited a small bit of money and a house and so I've never really needed to take on any debt at all. My credit rating is good because I took a credit card, used it to pay for everything I buy, and then pay it off in full every month.

I actually have about 40 grand sitting in the bank because I don't know what to do with it or how. And yeah I'm embarrassed to admit that but I've actually been thinking about making a post on this subreddit asking for help for a long time. My mother is the only real family I have and she's gone bankrupt twice so I don't talk to her about money (and I don't want her to know I have any) so I have no one to get advice from and when you start reading about it shit gets really complicated really fast.

People tell you to invest but everyone I know who had their money "invested" lost pretty much everything a few years ago and a lot of them are in really bad spots now, some of them are "ok" but not "well off" like they were, a few are just now starting to recover. So when people on here say "you should invest! It's low risk!" all I can think is "it seems like lower risk to just leave it alone".

This turned into a way off topic ramble, sorry.