How To Money Hour 1 (11/09) - Cars aren't cheap anymore, far from it, but Americans are making them cost quite a bit more because of their idiotic financing moves. A HTM listener has a question about open enrollment and how to choose his healthcare plan wisely. Also, what's going on with the job market right now!? Is AI really crushing starter jobs? HTM listener Wayne wants to know if we would change our stance on BNPL if they offered discounts.