u/Mental_Nature_4726

Pay off price would be right around $19,000 on a 2023 vehicle. Our interest rate is 7.44% and we still have like 67 months of 75 left if we continue making payments. We have 18,000 in a checking account and $59,000 in a savings account. So, obviously paying it off would decrease our savings to $40,000. My husband is very much a cash hoarding type, which is good at times. But getting rid of the car payment, which would also decrease monthly insurance, would save us $400 a month. Not to mention the thousands on insurance over the next few years. I don’t know which way to go, what does Reddit think?

In many ways my daughter seems “normal”. Shes very interactive with the world, friends, she does take Adderall XR ok school days and does average in school. Shes louder than other kids and excessively irritates her younger siblings, but these kind of behaviors I understand more from a child with ADHD.

What I don’t understand, the tantrums. Omg when she does decide to throw down she is not only loud, but you cannot talk to her. For example, she’ll have a rough day of not listening to us and she’ll lose tv time before bed. When she realizes we were serious, she’ll cry and cry, yell at us, and repeat herself saying, “I want to watch tv, I want to watch tv….” There was also another time recently I noticed the extreme emotions that made me concerned. Her and a neighborhood friend had gotten into an argument, typical little girl things, but my daughter took it so hard. We could not get her to stop sobbing and wailing for over a hour. I remember stuff like this happening to me as a kid but I was over it in maybe 2 minutes.

We’re also at a complete loss with some bathroom issues. Sometimes it seems like she’s actually pooping in her underwear (not a full poop but a good bit more than a skid mark), other times it looks like she didn’t wipe enough. We’ve told her again and again that she has to wipe until nothing is coming off. But she just makes a horrid mess and it is hard to get her fully clean without wipes. Maybe she needs more fiber, I really don’t know. She’s not embarrassed by it though and will just play with poop in her underwear. We’ve gone to the pediatrician and two different GI doctors soooo many times and no one has answers. It’s always, “one square of exlax a day” which does nothing.

I’m so many ways she’s a typical young girl, but there are ongoing issues that make me feel like she’s stuck being three years old. I really don’t know how to help her or what to do. I feel horrible that she has the bathroom issues and she has zero control over her emotions. But it’s so frustrating to not be able to reason with her at all. I get she’s young, but at this age I think children have some reasoning capabilities? I’m open to any suggestions, therapy, medication, things we should be doing at home, etc. I just really don’t want to see her getting older and still have these issues, especially as I know kids will get meaner with age.