Sounds like you care more about your job than your management team does. View things as they are, if slacking is part of the culture , accept it.

Remember it's just a job while you are in school, it is not your career and not your company. In the grand scheme of life , this job is just a paycheck and nothing more.

Of course the other option is to get another job if you prefer that choice.

Let me get this straight, You have >$500k , no job, moveing cross country to live with your parents for free, your parents are poor and also have no job and you are asking if it is OK to spend $46k on a toy car just because you want it.... really dude, this is just sad.

The fact that you had not one but four previous employers state that you never made any contributions leads me to believe you never contributed.

Never finance an engagement ring

I do three main things but they all contain a lot of pieces to the overall financial puzzle.

1. Review and adjust investment objectives and goals as needed. This includes both short and long term goals as well as updating a net worth calculation.

2. Rebalance investment accounts if needed. This isn't technically the best way to do it but once a year rebalance works for me and allows me to tune out the up and down noise during the year.

3. Review and adjust my monthly budget as needed. I have found this helps with keeping life style creep in check.

Get two cards with 0 foreign transaction fees. If one is lost or stolen you will have a back-up.

A lot of people love them but I never saw the need for an airline card for the occassional traveler.

>I really really want this car

You know it is a bad idea and want other people to validate your poor choice.

You have no money left to enjoy life or even pay for basic maintenance like oil changes and tires.

$1200 is a reasonable replacement cost for a counter top.

You have 3 options,

1. pay and move on.

2. dont pay and let it go to collections.

3. take them to small claims court but I don't see a way for you win.