This was far too polite and free of insults upon the direct reports’ capabilities and work ethic. Try “what the fuck do I pay you for? Get it done yesterday!”

I used to be in those rooms. It wasn’t healthy.

That’s brilliant! Why hasn’t anyone made one of these better bean bag chairs?

And/or blackout curtains as well. They pull double duty as an insulating layer, not just blocking light.

I think we’d compile a shorter list if we tried to name wholesome, respectable companies.

Some insurance companies have a discount or a lower pricing tier for low miles driven per day.

Have you looked at the blue book price you could get for it vs your loan payoff amount? If the blue book price is lower, you’re upside down and should prioritize paying more per month. This gets it paid off quicker for less interest and then you have a solid paid off car that you could probably put 200-300k miles on.

Do you have a 401k and the ability to take a loan from it? You could refinance the loan using your 401k to get a lower rate, and then you’re paying yourself interest. The catch here is being willing to stay at the employer until the loan is paid off. If you left employment before the loan is paid off, it could become a deemed distribution with a 20% early withdrawal penalty on top of regular taxes owed on the distribution. I normally don’t advise getting a 401k loan because of risk of triggering that distribution, but there are circumstances where it could be advantageous. Your HR dept and/or plan advisor can help you out there.

Sounds like you’re looking for the time honored Bank of Mattress Stuffed with Cash or their counterpart, Coffee Can Under the Sink Savings & Loan.

If you’re truly committing to off grid, go full analog.

Otherwise you just sound like a poorly veiled ad for some sketchy unregulated money exchange.