site banner

Small-Scale Question Sunday for March 1, 2026

Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?

This is your opportunity to ask questions. No question too simple or too silly.

Culture war topics are accepted, and proposals for a better intro post are appreciated.

1
Jump in the discussion.

No email address required.

My parents are giving me $250k because they gave an equivalent amount to my sister so she could buy an apartment in London. I don't really want the money and have tried to argue them out of giving it to me (would rather they enjoy their retirement) but they are insistent, especially since they gave it to my sister. Being able to pay in cash for a house in Baltimore (if I stay here) would be pretty huge, but I'm not sure where I will be in a few years time so a house doesn't seem like a great use of time or money right now. Should I just keep it in the market until then (transferring to my preferred stock/bond distributions where appropriate)? Are there any other big ticket items that I should consider purchasing? A car would probably be useful, both for my practical and romantic life, but if I move to Europe in the next two years (maybe 30% chance), it's a terrible investment. I could also donate most of the money to charity, but that feels both like slapping my parents in the face, and potentially making life much more difficult for myself. Even if the money were to just sit in money market, it would be an extra $10k of income a year, which is substantial.

Absolutely get a car, a used one, in the "lease return" range (3-5 years old) of a popular, reliable Japanese brand. Toyota, Honda, Subaru. They'll be fairly expensive at first, but if you need to sell them in 2 years they'll barely have depreciated.

I hate to repeat the "Miata is always the answer" meme, but it might actually apply here. 2 seats is all you realistically need.

(Of course, it's also Baltimore, so maybe get the hard-top.)

The problem with the Miata is that there's no cargo room. If he's successful and wants to take his lady friend away for the weekend, getting two suitcases into one of those things is going to be a challenge. A friend of mine had one he took camping and he had to pack similarly to how he would if he had taken his motorcycle, which wasn't some Harley cruiser but a Triumph sport bike. But beyond that, even getting groceries into one of those things is a challenge, unless you're going every few days. I like Miatas, but if you're only going to have one car and want something sporty, there are better options out there.

I like Miatas, but if you're only going to have one car and want something sporty, there are better options out there.

True; the only actual car Ford sells these days is just "better Miata" for a really good reason. Also (mostly) true for GM, for that matter.

Bonus points for being cheaper on the used market than the average NA or NB; why pay 15 grand for 150 HP when the S197/S550 Mustang or C5/C6 Corvette exists for the same price? Not like those are any more expensive to keep running...

The car I actually had in mind was a Civic Type-R, though there are a lot of cars you could sub in here, the idea being that these are normal cars designed for normal driving that have just been modified a bit for performance. The problem with the S550 is that for the price you quoted you're only getting a V6, which is a mid-life crisis car for a woman. You can get an S197 for that price but it's probably been in at least one wreck. I don't know how much a C6 goes for these days but if OP went that route he should spend the rest of the money on veneers and hair dye and head down to the local suburban townie bar where he can hit on hairdressers who bitch about how their ex-boyfriends are always late with child support.

The problem with the S550 is that for the price you quoted you're only getting a V6

300HP is arguably more than enough for this use case; the S550 doesn't look as nice in my opinion, but is still the better car over the 197 (especially the 197s with the 4.0, which really is just a Miata with 4 seats and more room). I guess the Camaro counts too but the interior isn't as nice.

And then the Corvette, which is... also just a Miata in terms of practicality, but one on which the LS swap was done from the factory.

Not that both don't have the same kind of stigma, since the Ford has My Little Boomer on the front and the Corvette defines the archetype. That being said, though...