<prompt> Human: Personal finance is probably one of the top 3 most visited subreddits for me, but I never post because I am still blissfully unaware of many things. Slowly but surely I am learning a lot from everyone on here. One thing I did this weekend was refinance my car loan which until I started reading on here did not think was possible. When I bought my car about a year ago, I had to get an interest rate of 5.99 but I just refinanced my loan at my credit union for 1.79 and found out I have an A credit rating. Just a big thank you to everyone who contributes on here. Being in my mid twenties and just starting my career, no one has told me anything useful about finances. I am very excited about making smart decisions now about finances to ensure that I am not unprepared when I get to retirement age. Now back to reading!  <response>: Fellow lurker here,Just wanted to jump on the band wagon. This is by far one of my favorite sub-reddits to read. Tons of good advice, very little negativity regarding people and their problems. Since Ive been following this sub-reddit I opened an IRA, and 403b through my employer. Paid off my car loan and my fiances engagement ring. Some of those things would have happened either way, but not with the knowledgequickness that were used. This SR has probably saved me thousands of dollars as well as getting me on my way to a solid retirement. Honestly, Thanks everyone. 