u/Corgiboitskitty

Current cards:
Authorized User — American Express Delta SkyMiles Platinum, added 2022 credit limit :$22465
Authorized User — American Express Delta SkyMiles Reserve, added 2025 credit limit :$22465
Authorized User — Bank of America Customized Cash Rewards Visa, added 2021 $8700 limit
FICO Score: 800
Oldest account age: ~4 years as authorized user
Income: ~95k soon
Average monthly spend and categories:
Dining: $300
Groceries: $200
Gas: $300
Travel: $150
Other: $200
Open to Business Cards: No
What’s the purpose of your next card?
Mainly looking to start building my own primary credit history and maximize cashback.
Do you have any cards you’ve been looking at?
Considering cards from, Capital One savor and American Express bce/ bcp.

I am starting my first engineering job soon making just under six figures and want a reality check on a car decision. I am starting a job in sw Ohio and due to the harsh winters and long road trips to the south, I feel a hybrid is a good decision and I want a fun to drive hybrid.

I currently own a 2023 Miata RF GT that is fully paid off and I have no debt. If I make a change, I would be trading it in, so I would be going from no car payment to having one. As much a as I love it, it can be impractical and more than i thought it would be. (Trunk space)

My plan is to wait about 6 months before doing anything so I can settle into the job and build some savings first. I also will save everything else and not making any other big purchases. Is the hybrid xlt awd a good choice? Any issues mechanically with fords?

I’m starting an engineering job at 23 soon making just under six figures, and I’m thinking about trading in my 2023 Miata RF GT for an EcoBoost Mustang in 6 months. The Miata is fully paid off and I don’t have any debt, so this would basically be my only car and only payment along with rent. I love the car but the Miata can be unpractical at times. Thinking of buying slightly used as well.

I’m trying to figure out what income level people feel is “comfortable” for owning one of these without feeling stretched. Since I’m just starting my career, I want to make sure I’m not jumping into something that’ll hurt me financially, while wanting to drive a fun car.

For those who own an EcoBoost, I’d be interested in hearing what your monthly costs look like all-in (payment, insurance, gas, maintenance) and whether you felt like it was an easy expense to carry.