I’m kinda new to this, need your help
Hey everyone, I’ve decided to move forward with a Tesla Model Y and sell my 2015 Audi A3. I’ve honestly had enough of the maintenance headaches. At one point, I even ended up in credit card debt because of repair costs after a $9,000 accident that wasn’t my fault and insurance (GEICO) wouldn’t cover it. I’ve finally dug myself out of that hole. For context, I moved to the U.S. in 2024 and buying a used car was probably my biggest mistake. I was trying to build credit and get settled, but the repair costs completely derailed that plan. My credit score dropped from 744 to 653, mostly due to high utilization. I’ve since paid everything off and I’m waiting for it to recover. I did a demo drive recently and felt a bit pressured to place an order before I was ready. Now I actually am ready this isn’t impulsive. I just want something reliable that won’t keep draining money unexpectedly. For the first time in a while, I feel like I can breathe financially. A few questions: 1. What should I be careful about when financing? 2. Is there a meaningful difference between Model Y RWD and Long Range RWD (or “Premium” RWD)? 3. What ownership nuances should I think about to maximize value / ROI? 4. Anything first-time Tesla buyers usually overlook? Should I go now for the Finance or wait until my score comes back? Usually it will take about a month. From your experience, even if you have 720+, will you get the 0.99 rebate? Appreciate any advice — and thanks for reading my mini rant.