--- title: "I Loved That Buick LeSabre: Lessons in Financial Literacy and Smart Spending" description: "This article is the third in a series of lessons about personal finance gleaned from my own financial experiences.\n\nIt was a sky blue Buick LeSabre that introduced me to the bittersweet world of financial responsibility. The car, with its smooth lines and comforting purr, was my first major purchase as a young professional." image: https://orvinkimbrough.com/hubfs/BuickLeSabresLine.jpg --- [![image 1-1](https://orvinkimbrough.com/hs-fs/hubfs/image%201-1.png?width=1500&height=625&name=image%201-1.png "image 1-1")](https://orvinkimbrough.com/) - [Books](https://orvinkimbrough.com/books) - [NIVRO AI](https://orvinkimbrough.com/nivro-ai) - Content - [Blog](https://orvinkimbrough.com/blog) - [Podcast](https://podcasts.apple.com/us/podcast/the-next-move-podcast/id1790945701) - About - [Meet Orv](https://orvinkimbrough.com/about-orv) - [Contact](https://orvinkimbrough.com/contact) - [Media and Testimonials](https://orvinkimbrough.com/media-testimonials) [Join The Thriver's Path™](https://orvinkimbrough.com/begin-the-thrivers-path) [![image 1-1](https://orvinkimbrough.com/hs-fs/hubfs/image%201-1.png?width=1500&height=625&name=image%201-1.png "image 1-1")](https://orvinkimbrough.com/) [Join The Thriver's Path™](https://orvinkimbrough.com/begin-the-thrivers-path) [![image 1](https://orvinkimbrough.com/hs-fs/hubfs/image%201.png?width=114&height=48&name=image%201.png "image 1")](https://orvinkimbrough.com/) - [Books](https://orvinkimbrough.com/books) - [NIVRO AI](https://orvinkimbrough.com/nivro-ai) - Content - [Blog](https://orvinkimbrough.com/blog) - [Podcast](https://podcasts.apple.com/us/podcast/the-next-move-podcast/id1790945701) - About - [Meet Orv](https://orvinkimbrough.com/about-orv) - [Contact](https://orvinkimbrough.com/contact) - [Media and Testimonials](https://orvinkimbrough.com/media-testimonials) [Join The Thriver's Path™](https://orvinkimbrough.com/begin-the-thrivers-path) [![image 1-1](https://orvinkimbrough.com/hs-fs/hubfs/image%201-1.png?width=1500&height=625&name=image%201-1.png "image 1-1")](https://orvinkimbrough.com/) [Join The Thriver's Path™](https://orvinkimbrough.com/begin-the-thrivers-path) - [Books](https://orvinkimbrough.com/books) - [NIVRO AI](https://orvinkimbrough.com/nivro-ai) - Content - [Blog](https://orvinkimbrough.com/blog) - [Podcast](https://podcasts.apple.com/us/podcast/the-next-move-podcast/id1790945701) - About - [Meet Orv](https://orvinkimbrough.com/about-orv) - [Contact](https://orvinkimbrough.com/contact) - [Media and Testimonials](https://orvinkimbrough.com/media-testimonials) [Join The Thriver's Path](https://orvinkimbrough.com/begin-the-thrivers-path) # I Loved That Buick LeSabre: Lessons in Financial Literacy and Smart Spending ![](https://orvinkimbrough.com/hubfs/BuickLeSabresLine.jpg) ## *Learning From Financial Missteps: Article 3* It was a sky blue Buick LeSabre that introduced me to the bittersweet world of financial responsibility. The car, with its smooth lines and comforting purr, was my first major purchase as a young professional. Yet, it became far more than a mere vehicle for transportation it was a classroom on wheels where I learned some hard truths about financial literacy, smart spending, and building credit. # Here are five vital lessons that Buick taught me, lessons that have remained with me long after the car itself was gone: 1\. **Credit Scores Start Early.** Before the Buick, I was blissfully unaware of the impact of credit scores on one's financial life. I learned quickly, however, that every financial decision I made from opening my first credit card to financing my car was forming the foundation of my credit history. This realization underscored the importance of managing my finances wisely, even at a young age. 2\. **The Ripple Effects of Small Balances.** Initially, I underestimated the significance of seemingly minor balances. Whether it was a small credit card balance or a modest loan, not paying these on time had a disproportionately negative effect on my credit score. This taught me the importance of timely payments, no matter how trivial the amount may seem. 3\. **The Cost of Lower Credit Scores.** The high-interest rate attached to my Buick purchase became a monthly reminder of how a lower credit score can lead to more money leaving my pocket. Financing the vehicle at a 20 percent interest rate was my harsh introduction to how credit scores directly impact the conditions of financial agreements, affecting everything from interest rates to payment terms. 4\. **Patient Improvement Pays Off.** Over time, I discovered that there was no quick fix to improving my credit score. Each on-time payment I made for the Buick slightly improved my score, teaching me the value of patience and consistent financial behavior. It was a slow process, but witnessing gradual improvement was rewarding and encouraging. 5\. **Consistency Leads to Greater Buying Power.** Perhaps the most uplifting lesson was realizing that consistent, on-time payments enhanced my purchasing power over time. By the time I was ready to buy my next vehicle, my improved credit score afforded me better financing options, lower interest rates, and a more enjoyable buying experience. It was proof that disciplined financial habits could open doors that were once closed. Though the Buick LeSabre is no longer with me, the financial lessons it imparted have endured. For young professionals navigating the complexities of financial independence, these insights are invaluable. Understanding credit, recognizing the long-term impact of financial decisions, and developing disciplined spending habits are crucial steps toward achieving financial literacy and freedom. In sharing my story, I hope to inspire others to view their financial missteps not as failures but as opportunities for growth and learning. After all, the road to financial savvy is seldom straightforward, but it is always worth the drive. "What relationship in your life or leadership needs intentional investment today?" ###### — Reflection Question #### Hi, I’m Orvin Kimbrough, volunteer, board director, chairman, and CEO. I help professionals move from feeling stuck to being strengthened by reshaping how they think, lead, and live. My work focuses on confidence, leadership, and influence through mindset shifts, expanded networks, and bold, values-aligned action. My perspective is rooted in lived experience, from growing up in foster care to leading complex institutions as a CEO and shaped by faith, resilience, and a deep belief in human potential. ![Rectangle 19461](https://orvinkimbrough.com/hs-fs/hubfs/Rectangle%2019461.png?width=398&height=353&name=Rectangle%2019461.png)   ## Books for Every Stage [***Twice Over a Man***](https://www.amazon.com/Twice-Over-Man-Doggedly-Determined/dp/1955711348/ref=sr_1_3) A memoir often described as a leadership guide wrapped in an honest, relatable story of perseverance, healing, and growth. It explores how pain can be reframed into purpose and how ordinary people build meaningful lives through courage and clarity. [***More Than a Conqueror***](https://l.facebook.com/l.php?u=https%3A%2F%2Fshop.ingramspark.com%2Fb%2F084%3Fparams%3DTxWdcxD48kMFq4JCl6q8N6xELUyUMvOOCcW8D1h28GM%26fbclid%3DIwZXh0bgNhZW0CMTAAYnJpZBExVWZPbHNLOWlreXEwNzVvaHNydGMGYXBwX2lkEDIyMjAzOTE3ODgyMDA4OTIAAR4Xnzp0DAi0TCjDdZU_d_z_jvXeZTzpmqX-jTYytn_JY7PbHR96V0zDdVgJAg_aem_zCiXf98tO_kzMsGKgsMfBA&h=AT2QcqQJfTGgJz_YzXF6uc5IrcqJpsQEkTFQWwxM90T-Qi70KY-OAOrZRaagju1LRB1gtGF_hkJ-uCEFeUW-mCEb55f7NOgga0uO9gPChQlba2XFdkHePj9jDAWGRsSehJkwWeT566MqrhHI&__tn__=R]-R&c[0]=AT24IZs-rVDDTL6Ga7AaNVlaFWXrL_28ayVIUMWzqHHrZcNzcgZTpt_4HcYiIWYJ659NVuqX1e9Rk0C-fq-9xfi_4A-8Imeky5zW740lVcTEtoYn2b7xLKb9wvqTtrHeaJUta7Ck1XukJvfZ32YvekN0qbnpUTcguibwtCoXAbTaXOGmZxNWzJFbxZ1L_SJ5hDLKWIVoFw) Written for teens and young adults, this book encourages confidence, resilience, and identity formation during the years when self-belief is being shaped. [***Ward and the State***](https://l.facebook.com/l.php?u=https%3A%2F%2Fshop.ingramspark.com%2Fb%2F084%3Fparams%3DwdqQ7FopuaJaqQkUZSG1sFLjjMSN5sVtNQLMjmvFom3%26fbclid%3DIwZXh0bgNhZW0CMTAAYnJpZBExVWZPbHNLOWlreXEwNzVvaHNydGMGYXBwX2lkEDIyMjAzOTE3ODgyMDA4OTIAAR5_NsTCZ-_KHsrXmHc1VU3zjdg3q2V4d2LJrEAXyTk6oUnOwXASQz2e7opqzg_aem_en3qxyK4EFHDmFHING2rGw&h=AT3ljrY7ibgL7UyEHSLeOeid0aW-uXxvRfjpFw6K0ZHN1SYBT2vzMVP2Uc8-TxwQ-lO80FPTLIbPqnzeJwW_JGwatIzAOZtEpEkZEUpNUdwGMqKjs5yEZfe7Jxkzu2MZ3eS_feyEOrIpqiGu&__tn__=R]-R&c[0]=AT24IZs-rVDDTL6Ga7AaNVlaFWXrL_28ayVIUMWzqHHrZcNzcgZTpt_4HcYiIWYJ659NVuqX1e9Rk0C-fq-9xfi_4A-8Imeky5zW740lVcTEtoYn2b7xLKb9wvqTtrHeaJUta7Ck1XukJvfZ32YvekN0qbnpUTcguibwtCoXAbTaXOGmZxNWzJFbxZ1L_SJ5hDLKWIVoFw) A children’s book that gently introduces big ideas like belonging, courage, and hope, helping young readers see themselves as more than their circumstances   ## INTRODUCING: The Thriver’s Path™ **This blog is part of** [**The Thriver’s Path™**](https://orvinkimbrough.com/begin-the-thrivers-path)**—a growing ecosystem of writing, courses, reflections, and community designed to help people of all ages reframe their thinking, reclaim their agency, and take their next meaningful move.** ***→ Ready for your next move?*** **Explore more writings, resources, and ways to engage at** [**orvinkimbrough.com**](https://orvinkimbrough.com/home-page)**, or join the conversation inside the** [**Thrivers Club™ community**](https://orvinkimbrough.com/begin-the-thrivers-path)**.** ## Enjoyed this post? 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