I waited until now...end of the month to apply for this car loan to buy a car and being responsible about being insured. I'm 33, F, and just stupid for not listening to my husband about his plan. Because I didn't act on this, we're now in a bind.

My husband reassures me that everything will be fine the loan approval and adding our names to the title. Once we have those, we can be fully insured.

My mom, whose name the car is under is also disappointed in me for waiting to get this done.

Why am I here? Why do I make such stupid decisions? .....

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