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To add to my post, please get your parents out of gics, rates are dropping, have you looked at any after hour gigs, type r should be new enough to Uber, food delivery? I know the cash rate for house cleaning starts at $20 an hour cash. Just saying. Maybe 3 hours a day on the weekend or after work. That's extra $120 income a week x4 =$480 month. That's a car payment right there.
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