I have a loan right now that is at like 3%. I can pay it off now if I wanted to, but it’s so low that I can easily make more money by putting it away and collect interest on it. It would be kinda nice to get a new car, but where this country is headed, it’s not worth it. I feel bad for the younger generations and what lies ahead for them.

LLMs are smart, they are just not intelligent

Ignore them. If you can, should you try and stagger the time off with your s/o. Don’t take it at the same time.

Vivaldi said they eventually will, but will keep it around as long as possible. So, short answer, yes.