@louisew 12) If it has anything to do with a bank or anyone giving/denying you approvals for this or that, go talk to the bank as it is highly unlikely that their employees sit on Reddit looking for your dumbass question and go "yes! the day that I've been waiting for has arrived and I can be helpful".
13) Realtors are shady crooks and the whole transaction is a cult enterprise. Get a lawyer and learn how to do it yourself. If you're not interested, then go with a realtor.
14) You and your new 60k job post graduation job don't deserve a BMW. We don't care how you feel and what entitlement might be pouring out of your rear end. Heed this warning, else one of us will happily scoop up your new ride for half the price when you can no longer afford rent/Chipotle.
15) Stop keeping up with the Joneses. You haven't a clue of their financials or how much debt they're drowning in. You don't need to do the same. The truly wealthy don't sit there showing off their house/car/boat/jet, they don't care about you and are enjoying their life for them, in spite of you.
16) Yes, you should accept whatever credit limit increase or line of credit you're offered. An emergency fund is always good to have.