You think the guy that signed on for 9 % interest is going to be investing money in many places other than his 401 k ? Sure 34 % you ' re almost certainly going to outperform , but you can ' t be certain . Also like I was saying there are thresholds to meet lower APRs , so if you only need to put an extra 500 down to go from 5 % to 2 . 5 % it is well worth it . I could have gotten a 1 . 99 % with 0 down , but I know with my not so strict investing habits 401 k , cheaper stocks I can buy on RobinhoodVanguard ETF , Microsoft , solid stuff it was worth putting the 3 , 500 down now to get the 0 %.<| sep |> Let me say this first . I 100 % still believe in Zimmer , he is a top tier coach . But constant meltdowns like this would cost most coaches in this league their jobs . The D wasn ' t great today , but it was good enough to win this game , they only gave up 13 points can ' t count the last FG against the D . The play calling on offense MUST get better . When you throw the ball less than 3 yards down the field EVERY pass play , you are going to get routes jumped like that . And you can ' t say it was because of the offensive line either . There were plays where Bradford had plenty of time in the pocket and still took the checkdown . Shurmur needs to get him to push the ball down the field . When you can ' t run and you refuse to throw down the field , your offense isn ' t going to move , you simply shrink the area the defense has to cover too much . If this keeps up we are going to lose to GB on Christmas Eve and this meltdown will have ruined three holidays for me this year .