Idk

In about 7k credit card debt age 21 about to take a 3k loan to buy an iPhone xs Max and after work a wage job for the next year. Is this stupid?

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Its retarded. You don't need that overpriced phone

in debt for a fucking phone? 7k cc debt on clothes? why? all these things are depreciating assets.

Let's say this most of people will see it a s retarded but i see it as go for it. Those mistakes are better if you do them yourself so you will learn.

So yea it is stupid but you should do it anyway so you will realize yourself that it's stupid.

I got approved for the loan I should say

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No the cc debt is from random stuff I can't remember

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Ur an idot

Very fucking stupid. You are not rich. Stop buying overpriced status garbage when you are a broke fool to begin with.

Hnghh okay what should I do with the loan then

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>work a wage job
So why the fuck would you need the latest phone?