### Comment:
It is if you’re fresh out of college with another $20k in student loans and have been an irresponsible wasteful fuckwad IRL

### REPLY:
So you're $40k in debt total and just out of college. Your only problem is the APR on the credit card debt. Refinance and consolidate that money, and then congratulations. You're better off than most these days.  $40k is nothing, unless you have a useless degree. Speaking of, what is your degree in? 
  
  
 Also, Tesla is a bargin right now. If you wanna make that money back just buy a few July-ish $350 calls. It's a sure thing.

### END.