some financial bullshit 

wtfff.

So when I was looking up the credit union the car dealership was offering a better loan with, I saw someone saying "hey it's $12 to make payments and that's bullshit". I asked the salesman about that, and he said "don't worry that's only for phone payments, it's free online".

Turns out the only free payments are for auto-pay. Everything else is $12. I don't want autopay since I plan on making more than minimum payments.

some financial bullshit 

I'm half-tempted to see if I can just immediately refinance with BECU, because they are decidedly not-shitty and I got the insurance check for the stolen car.

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