normies love one-shotting themselves with payments while poor. They live for it

>>60595963 (OP)
I just don't understand how people keep buying these insanely overpriced cars while they don't even have money in the bank. Just absolutely stupid

>>60595963 (OP)
It's better to borrow for a car than buy it outright

>>60596011
>car breaks down
>need car to get to/from job
>the cagie cycle continues

Why do normies insist on paying this much for cars? I got a used Civic a couple years ago for $1100 and all it has needed is a tie rod and ac recharge

>>60596023
I rather drive a beater car than one of these new cars that are poorly designed and constructed. Blows my mind how people can be ok with paying $500+ every month when they're living paycheck to paycheck

>>60595963 (OP)
Lmao buying 15year old or newer cars is fucking retarded and paying top dollar for that depreciating piece of shit.

>>60596011
Peer pressure.
I thought I was immune to it, but after all my neighbors bought new and expensive cars, I was forced to buy one too.
It's the only way for you to show society that you're not broke.

>>60595963 (OP)
this board is all broke zoomers at this point

>>60596265
>acting like owning an s class and driving it yourself is something successful people do
You're so broke you don't even understand what's wrong with this

>>60596265
For me, it's the TLX Type S.

What people are realizing is, if every car is way overpriced, including the "reasonable" choices, then you might as well get a nice car you like if you're going to spend the money every month.

>>60595963 (OP)
My car payment is about 650 a month. The initial loan was 25k. I've applied a couple bonuses to it to pay it down faster. I'll have it paid off by the end of the year. Real talk guys: don't get a car this expensive as soon as you graduate college. I can afford it, but I'd have made good gains over the past couple years if I'd have invested this 650/month + bonuses instead of using it to pay off my fucking Subaru.

I had to make a choice a few years ago. Its either owning a car OR working one day less per week. Both choices were pretty much equivalent financially. Ditched the car, have to use the bus now but have to work less. Food for thought for the all the car bros. After a while the fucking thing starts owning you anyway. All the repairs, maintenance and whatnot is getting really annoying after a while.

I bought a used Corolla with body damage for $8k cash, should last me 5-6 years and I get to save about $4k each month between retirement plans and individual accounts.

I drive a 2017 diesel bmw with 215k miles and a 2006 4runner with 235k miles.

I have a heads-up display, leather, LED headlights, 45mpg highway, and I can pick up lumber at the yard or drive 4wd in the snow. This arrangement cost me under 20k. Stay poor retards.

>>60595963 (OP)
Ok sure this is the average but what is the median? The poorer the person is the more likely the car is some 20 year old piece of junk that's paid off. Meaning any data on monthly car payments is from fairly new cars and excludes a large group of poor people. Even then though I could not imagine spending anything over $400 a month on a car.

>>60595963 (OP)
>>60596011
>>60596038
>>60596042
>>60596049
>$745 a month is a lot of money for me!
/biz/ seething.

>>60596011
Buy a car from the sharks that are car dealers is as american as apple pie.

>>60596527
how is it even possible. it can only work with people clinically retarded or total math illiterates who can't even do a simple multiplication

>>60595963 (OP)
I bought a 2001 BMW for $1100 like 10 years ago and still drive it to this day.
I've done a lot of work to it including an engine swap but it never needed a tow truck. I've limped it home one way or another a few times.
If you know how to work on cars, you can keep a junker going forever.

>>60596587
in new england all old cars just rot out if you drive them at all during the winter

>>60596509
>burning money that could be stacking sats
ngmi

Is not having a car payment the only "flex" a poor person can have?

Also, why are cars the only consumer product that people do this with? If you see someone at a grocery store buying an expensive name brand of something, you don't have an autistic meltdown with that, it's just cars.

Because people are retarded.

>>60595963 (OP)
I don't get it. are these payments to buy the cars or extras?

>>60595963 (OP)
If you buy a car with a 5 year loan and drive it for 15 years, your payments get recorded as $750 but it's actually $250.

>>60596591
Yes, and its alot worse in last 15 years if you drive on any interstate, the pretreatment is so insanely corrosive it's hard to believe...even 4-6 year old cars literally disintegrate and if it's a 10 yr plus old vehicle fucking forget it

>>60596475
if v6, your 4runner is about to need head gaskets
also if your rear wiper swipes once on startup, your battery is about to need replacement.

>>60595963 (OP)
I bought a van for $200 in 2018. I've spent $5k on it total, over 7 years. now I have a vehicle I can repair myself and sleep in
I also bought a scooter for $350 in 2016. I also rebuild it and drive it around, cost me $100 for that one.
no Im not a van lifer, I just own a van to enjoy on the weekends

>>60596370
For sure, just drive that thing until it disintegrates.

>$745
That's a bargain, OP.

>>60596081
this! looks matters at this point in time no one wants to look poor

>>60596509
Imagine being this retarded. Millionaires don't flaunt their wealth but you wouldn't know that

>>60596081
>>60596265
>>60596368
>>60596370
>>60596509
Good goys, keep buying new, used cheap is for losers

>>60597045
If not for the Jews, we could just make more used cars instead of overpriced new ones.

>>60595963 (OP)
Between stupidly high car payments, Klarna for doordash, payday loans, and "rent to own" furniture, all varieties of NPC retard never had a chance

>>60596023
My car payment for my Corolla with 70k miles was $175/month. It has been totally reliable for the 6 years I've had it and hasn't broken down one yime. These retards buy God knows what and have literal $700+ car payments

>>60596509
$745 a month is a lot for the average NPC retard that makes $3k a month, which is what this thread is about, you stupid fuck

>>60596917
>Y-you might need a battery soon!

What kind of cope even is this

>>60596011
Parents don't love their chicken or even know how to in this foreigner competitive environment where the norm is 6 to a household minimum (the apt below me is Hispanics, 4 vehicles to one parking spot, everyone else has the one vehicle except them, and they throw huge loud BBQs every other day , taking up more parking spaces). They event hit my car super lightly while parking last week. Talked shit to the car they hit as I watched them do it. These are my neighbors and countrymen I am supposed to defend.

>>60597061
My Honda Fit I paid about 8k for when it had 99k miles on it. Never stranded me, but didn't want to start a few times (bad battery, then later a bad starter). I learned that an old starter makes you go through batteries quicker.

>>60595963 (OP)
>MFW driving a shitbox that replacing the tires cost more than what I paid for the vehicle
>MFW I’m a crypto millionaire that didn’t fall for the Lambo meme

>>60596011
People do that?
>>60596265
Those legs are fucking weird and whoever has that car got fucked

>>60596389
The point is to have enough money where you dont give a flying fuck

>>60596265
those legs look like they belong to a homofag.

>>60597017
>>60597066
And gullible idiotos such as yourselves fall for the meme that you have to drive a used Civic to make it. I bet you really looked up to SBF last cycle and want to be as frugal as him! News flash: no one makes it from pinching pennies. Warren Buffet “driving” an old Cadillac is just the boomer version of this same story for the masses. The part about his personal transportation that you don’t pay attention to is that he also owns a private jet. Try making more money!

>>60597129
The problem with this is that it is basically impossible, because people know the rich are like this. That's why you can find a boat for $5000 and you can find a boat for a billion dollars and everything in-between. Shows you do have to care and not be dumb with what you do with your money.
>pic related, figure out the better value

>>60596591
How did people drive before new cars were invented?

>>60596584
>2025 Chevy trucks cost up to $75,000
>To need 285 months to pay the car off her APR must be about 15%
She has dogshit credit and only like $250 of her monthly payment is going to the principal on her car loan. She's paying like $1000 a month in interest.

>>60596081
Why do you care? Drive a shitbox so in ten years' time you'll have enough money for a classic. Now, that'll turn some fuckin' heads at the PTA meeting.

Please send help!
I can't afford a new car!
>t. my Citi credit card

Oh no! I'm not poor!

Anyway

Also I dont care for Lambos

>>60597304
This is way better than a lambo.

>>60597309
Cringe

>>60597322
Well what car brings you joy when you look at it?

I pay $311/mo on this lease, sounds like a skill issue

You can have a $150k car but until you have a full time personal chauffeur you truly haven't made it

>>60597355
What model/trim, how much down, how many years? $311 is meaningless without any context to tell if you got a good or shit deal on that Honda.

>>60596011
Me neither. Just buy the used car upfront like a white man

>>60597372
24 Prologue EX (base), $4k down, 36mo @10kmile/yr, $22.5k Residual, non-state-ev-incentive state (Tn)

>>60597387
That's electric. They are dropping like flies on used value. That's why you got the price you did. The CR-V lease is double that monthly payment cause it actually has value left when the lease is over. 22.5k residual...lol lmao

>>60597397
Yeah, it's hilarious that there's a $20k capital reduction cost, as in they ate $9k off the MSRP to sell the damn thing.

>>60597409
They probably don't lose as much as you think. Lithium iron phosphate batteries have been dropping like crazy in price.

>>60596766
>If you see someone at a grocery store buying an expensive name brand of something, you don't have an autistic meltdown with that, it's just cars.


Because the average person doesn't have to take out a 5 year loan to buy groceries.

>>60596081
Why do I care what society thinks of my wealth? If I buy an expensive car it’ll be because I happen to enjoy driving it or for utility (towing a boat to a lake), not because someone I don’t even care about will think better of me.

>>60597146
That's also a big issue too is that the used car market sucks. For a lot of people the older version of their car is still somewhat expensive, so they just say fuck it and buy new.

>>60597539
Cash for clunkers sealed wagies to their fate.

>>60597142
No you're a retard. The first $100k you make isn't equivalent to the next $100k. The opportunity cost apparently isn't something you understand you pretentious conceited clown

>>60596011
Whats stupider:
Wasting money on a car you cant afford
Living a mediocre life because of some bullshit numbers

>>60597541
that was a $3 billion program in 2009 so doesn't matter in 2025. the real problem is 3rd world mass migration.

>>60597294
I got anxiety just looking at this. Holy fuck what a complete waste of money. That's more frivolous spending in one page than I spend in a year

>>60597630
What's more stupid: buying a car you can't afford to pay cash for or investing the money in the stock market and getting 3x your money over the life of the car and being and to buy the car outright with double the money still left over

>>60597634
>>60597541
The problem is the chip shortage dried up inventory of new cars for years. Stop tlaking about things you're clueless on.

>>60596011
girls wont go near a guy that takes the bus lol

>>60597889
There are 16 million car sales annually and this number has been stable for decades.
>Total nationwide encounters under the Biden-Harris administration now exceed more than 10.3 million, compared to just 3.1 million from Fiscal Years (FY) 2017-2020 combined. Notably, this does not include the roughly two million known gotaways recorded by CBP since the start of FY21.
Of course the problem is 700k cars that cash for clunkers scrapped 15 years ago. MIGA.

>>60596587
based

>>60597650
In due fairness it is one of my top credit card bills of all time for sure. Think when I built my last PC it might have been a little higher.

Anyway it isn't really frivolous. Just looks like it. The biggest item there is I bought my mom a iPhone 16e for her birthday. Got the refund for trading in her old phone. The Dunhams was a Sig P365 9mm. So again not just waste of money spending on junk.

>>60595963 (OP)
itt: people who aren't boomers fall for boomer tier rage bait articles. way to not grow up to be your parents, retards.

>>60597653
>What's more stupid: buying a car you can't afford to pay cash for or investing the money in the stock market and getting 3x your money over the life of the car and being and to buy the car outright with double the money still left over
Congrats, your life can start when your 60; just in time for some Wall St. asshole to steal it all

>>60597947
Homie I own a house, been to more countries than you can count and have more money than 95% of people. I'm not even 40 yet. I lived more already than you'll ever in 70 years.

>>60597907
Save up to buy the car in cash. I'm sure you can ride the bus for a year and save. No girl wants to date a guy who isn't financially stable

>>60598033
Own a new car....or use the money saved by buying used to invest and using the dividends to travel the world for years. Easy choice

I bought a cheap old car for$1600 and it runs great

Why tf do people buy new cars

>>60596081
im a dentist and have been using the same $70 cricket motorola phone with a shattered screen for the last few years
what is this peer pressure bullshit?

>>60596368

Are you Asian ?

>>60598125
>what is this peer pressure bullshit?
It's what fake rich people get caught up in trying to impress people that wouldn't take a piss on them if they were on fire

What I do not get is why people are poor but really want to have debt for a thing they sit around and just drive getting groceri3s most of the time. Such a retard invrstment. I love cars, but I also love a lot of other things I won't get myself in debt over just becauae I like it more pretty. Especially as an european where you do not drive as long distances as the burgers. People are just retarded, they do what other people do.

Name a better cope for having a tiny penis than getting a super car though. Pro tip: you literally can’t. Checkmate wagies

>>60598140
You need a car in most places in America. It's a huge country. But what you don't need is luxury car. A used reliable Honda or Toyota gets people anywhere they need to go and isn't going to destroy your future.
$40k car vs $10k.... The $30k saved on the used car will be $100k in 20 years with compounding dividends. Easy choice for intelligent people

>>60598121
I can tell you as a europoor that people try to fucking swindle you like no tomorrow by fixing the mileage clock, hiding a shitbox that was in a fucking accident and lying about its history, usually they buy shitboxes from germany or I heard of a case of them buying crashed cars from the US to swindle people in europe.


But then again most people here are retards who buy a 5th hand BMW.
I didnt want to get swindled so I just saved and bought a new car.

>>60596081
>muh society

Anon you know exactly what to do now

Christian Bale drives a 03 Tacoma and he has more money than everyone in this thread combined. You faggots thinking you need a better car need a reality check. I'd take an older Tacoma over anybody's car in this thread

https://youtube.com/shorts/R1ZgnnCLQok?si=LTUpESKIutjf1DZs

>>60598199
Sorry to hear that. Sucks to live in Europe

>>60598187
I'm in the bay area right now and everyone has a shiny new car.
The only guy with a 30 year old car was a trump voter with trump stickers everywhere

>>60598227
Buddy I was in Oakland two months ago. That's not true. Also if you actually lived somewhere affluent you'd be riding the Cal Train to get to places faster than driving

I saw a joke once. If all the Persians and Armenians living with their parents in LA stopped financing BMWs, the company's American branch would close up shop and cut their losses

>>60596081
Sorry anon but that's completely pathetic.

Someone convince me why I shouldn't spend $78k cash on a brand-new Kia.

>>60596584
I'm thinking about getting into the car business. Sales in my industry are too infrequent and the consumers are usually smarter. Any asshole can sell a car. Especially to poor people.

>>60596509
It's a lot of money to pay when you could be paying nothing

>>60595963 (OP)
It's hilarious to me that a literal NEET can outperform a wagie just by doing nothing and investing instead.
Not talking about boomer stocks and PMs of course.

> be american
> make 10 times what a European makes
> own no house, no car and if you get sick you die

>>60598199
Lmfao delusional retard, I drove various used bmws in the past 10 years and this never happens unless you are a retard. Of course the better option besides not being retarded is buying a new fancy box to sit in. Retard.

>>60596011
For one the loans terms have gotten longer so what used to be a 2-3 year loan is more like 7 years. And lots of retards only think in terms of monthly payments.
>>60596015
Low IQ
>>60596038
Lots of normies are status conscious and so will spend even when it hurts. Of course they only impress other normies. To someone wealthy an ordinary BMW is just another car on the road, the prole who is shitting blood to make payments only impresses hoodrats
>>60596081
Correct, and showing you're not broke is super important for proles. Plenty of rich people do whatever the fuck they want or others are deliberately trying to downplay wealth to fly under the radar or run for election and will choose cars that are just nice enough while still appearing mainstream
>>60598230
LMAO on step into the Caltrain gives you an obvious indication that wealthy people do not use it

>>60596265
>he drives himself
Back to the cagie wagie!

>>60596509
i save/invest $60k a year and $745/month is a lot to me.

since money is designed to inflate (as every normie likes to complain about), isnt it better to always make monthly car payments even if you have the money to pay outright?

reminder you can just buy last years model of any car off some retard who cant afford their finance anymore and is desperate to sell it asap
drive your old beater and save up retards

>>60598199
>I didnt want to get swindled so I just saved and bought a new car.
I know almost nothing about cars, I don't even know how to drive except the very basic stuff, and I learned that some months ago because I want to buy a new car.
I've been researching this shit, and I've come to realize that the amount of problems some new cars can have and the scams repair shops pull on people means you have to know what you are getting into or do a lot of research to buy a new car, or simply buy an old car and make sure to have someone who knows his shit to help with that.
am I right? if so, I don't think I'll be buying a new car until I learn a lot more about cars...

>>60597142
>spend less money
>have more money
>invest more money
>make more money
>this is not The Way, says anonymous faggot
w-woah......

>>60598784
Sounds like you work too much, but you do you.

>>60599242
Or just, you know, drive the vehicle you want because you make enough to live like more than a faggot?

>>60599365
>just have more money bro
You sound like every broke-ass knuckledragger I know bleeding money from a car they can't afford.

>>60597113
I have 19 million dollars in the bank and drive a 15 year old honda fit with a dinged bumper. Fuck ostentation.

>>60596081
>I was forced
did your neighbors put a gun to your head and force you?
nah you only show wagies that you're another wagie, I kniw you're broke

>>60597630
>if I’m not consoooomimg am I even alive?!
Wagies don’t have inner monologues.

>>60597409
Paying $22K to just rent a freaking car?

Are people really this stupid?

>>60599756
Now calculate how much interest and fees they pay to buy it new on financing. A $40k car will end up costing about $70k

I hate cars. I fucking hate this car based society. Literally we live in a world with nogs drooling on themselves and white trash getting loaded and hitting the road in their F1-50 and I'm supposed to sink 60k in a car.

I once just got 3k worth of work done and someone fucking hit my car in the parking lot. After that I vowed to never put a dime more in a car than I need to get from A to B. My father in law just got some 100k electric Jeep thing and you should see him Park a mile away from everyone taking up 3 spots so nobody dings his overpriced metal box.

True wealth is pulling into the parking garage at work with the biggest piece of shit in the entire building, where there is nothing anyone can do to bring you down, and they all have to be nervous around you.

>>60597061
it's show off cars mostly. I knew guys who lived in shitty apartments and sold weed for like 1500 a month, yet drove bmws. It's always dads money or a fucking insane amount of debt behind it. one of those guys was spending 60% of what he made just on car payments, the car would never be sold for what he paid, its literally just to get pussy. bmws drivers specifically, are 80% people who want to look rich but aren't, then some semi rich foreigners. rich people wouldn't buy a generic storeroom white bmw. It's just there to trick poorfags into staying poor

>>60598084
>No girl wants to date a guy who isn't financially stable
Women will fuck u just bc ur funny or something, men are the little weasels scoping for how u can add “value”.

Man what happened to this board, we used to have seven figure hell threads, now we have a thread full of poors bragging about driving shoeboxes to save a few thousand lmao

>>60597328
>flipped the lifted truck
based

>>60599995
>>60599999

>>60599986
car loans are universally accepted as bad debt. why pay extra for something that decreases in value every time you use it? you're the retard here

>>60598129
No, Acura is a North American brand btw

>>60600048
Lmao I never once said anything about car loans, I lease because I get a new car every two years since I’m not poor like everyone else in this thread apparently

>>60599986
You can buy an S class for 100k or under 10k, why pay more when you get the same shit, at the end of the day it's still an S class

>>60596081
i hate you faggots with fake cars on debt, you cant tell who is rich anymore and who is larping because of FED loan money printing scheme

>>60596023
>car breaks down
This has never in my life happened, worst thing I've experienced is brake pads binding. Maybe these retards should buy a Toyota

>>60600072
this post is about monthly car payments, retard. also if you had actually made it, you wouldn't be leasing cars you fucking dumbass. you'd just buy it and not care. you're still poor bozo

>>60600077
Personally I don’t care about luxury cars, i need an suv or truck that can haul my boat and jet skis so I always just pick whatever the top model suv happens to be, lately I’ve been driving around a Lexus GX

>>60600108
Lmao you sound mad, I lease instead of buying because they take care of everything and it’s less work on my end than buying, which you would know if you weren’t poor

>>60600119
bold words from a nocar. owning nothing and being happy like a good boy. "Yes sir!! I'll keep letting you rinse me!! It's actually more convenient for me to pay you every month of my life!!" I hope you figure it out

>buy a prius, invest cash
>earn enough money from the investments to buy 2 cars that all the poors dream about/get in massive debts for
>keep driving a prius until it kicks the bucket (in 30 years) because it's a good car and has all you need from a car

>>60600128
You aren’t getting it, the money means nothing to me it’s pocket change, which is what I was complaining about in the first place, how has this board become so poor that a lease payment is something you all worry about

>>60600129
Based Prius enjoyer

>>60600136
If the money doesn't matter, just buy the car. why get upcharged like a good goy on the price via a lease.
>"UHHH IM ACKTUALLY SO RICH I GET A NEW ONE EVERY 2 YEARS"
Okay, buy that one as well. now you have two cars. Loans are good only for certain things. If you take out a mortgage on a house, you now have an investment. leasing or loaning a car is retarded. pay its price and look after it, that's the best choice

>>60600148
I don’t care, it’s the convenience of being able to just walk in and sign a lease and not deal with title work, registration, etc
When I lease I sign up for the whole package, they even do the maintenance, I just want a working car, honestly I would just rent but most rentals don’t let you tow

When did /biz/ become a board to brag about how frugal you are and how much you pinch pennies? Are we gonna have a thread about coupon clipping next?

>>60600161
Finally someone else gets what I’m saying, we used to have six figure and eight figure hell threads and now here’s a thread about poors whining about car payments lmao

>>60598801
If your car depreciates 50% in 3 years no.
If it has already done the bulk of its depreciation it’s not the world’s worst idea if you need a car. Buy a good $20k old but classic (I’m talking future classic) one and you should be able to sell it for at or near the same price that you got it

>>60600160
>"well yeah of course I pay marked up goy prices all the time and potentially forever. Why would I ever want to own the car?".
I already said it, truly wealthy people would buy the car and then pay someone else to look after it. you're just a retard with your money, and have been conned into funneling it away from you. If you make shit choices like this with everything else, then my condolences

>>60600188
Future classics that I’m referring to:
Toyota Tundra TRD Pros (the ones with a V8)
Honda S2K
Mitsubishi Lancer Evo X
Audi S5 (the one with the V8 and manual)
Porsche Caymans (if you can afford the maintenance)
OBS Ford pickups
Gen 3 Toyota 4Runners
2000’s Nissan 350Z (manual)
Any 2000s-2010s muscle cars with the V8 and Manual

>>60596015
>its better to pay 180% of what the car is actually worth over the course of 10 years!
it would be mathematically impossible for you to ever become a millionaire with this attitude towards money management.

>>60600235
a bunch of these are full of modern tech. go with a barebones timeless car. the tablet screens might be tacky as fuck or unsupported in 2 decades and then who will buy it

>>60596011
i got a 48k car loan last y ear while having about 11k cash on hand at the time. i make little over 6k a month and live with my folks. i put in about 5k about every month. i just paid off my car last week and just waiting for the title to come through the mail.

>>60600248
Yes I hate the tablet screens. I think there is a sweet spot with modern cars though that aren’t too encapsulated in impossible to work with tech. Some certain Audis meet this

>>60600160
I'm not gonna judge how you spend your money, but your logic isn't checking out.

Signing a lease is just barely less effort that doing title and registration, its not even a consideration for me because its so simple.

And if you want, you CAN have your dealership doing all the work on your car for you too.

>>60600281
some brands have realized their mistake and are releasing techless cars again. keep an eye out for some good future classics releasing from those

>>60599986
>HOW DARE YOU NOT CONSOOOOOME

Go back to Instagram

>>60600299
I think leasing is dumb, but there is a specific demographic who it makes sense for. There are people like that anon who want a new luxury car every 2 or 3 years, and don't mind having car payments. For them paying 20k-30k for a lease over a few years is better than being stuck with negative equity on a car they no longer want. I'm not saying it's smart, but if you want to drive a Masarati or Bentley that's worth 120k MSRP for a few years a lease might be better.

It really only makes sense if you're determined to make poor financial decisions in order to look wealthy. Which as you know, a lot of people are.

Captcha: Y0ASS

>>60600072
>Thinks he's rich because he's pissing away $100k every decade on cars

You fake rich faggots don't know how obviously poor you are to those of us who actually are wealthy. We don't flaunt our wealth like a fucking woman seeking validation

>>60600119
>"YES MR GOLDBERG I'LL HAVE THE REPORTS ON YOUR DESK SOON"

You don't even own a car faggot

>>60600280
Thanks for telling us you're broke because of a car

>>60600413
I'm not saying he isn't retarded, but 100k over 10 years is literally nothing. I spend that much money on video games and I have plenty to spare.

I think at the end of the day its about how you view the purchase. I personally see my car as a depreciating asset and liability, while others see it as a form of entertainment or a hobby

>>60596081
Lol I am an engineer and still drive the 2002 Camry that my grandfather gave me as my first car 11 years ago.

>>60600430
$100k in dividend stocks is $1 million dollars in 30 years. Don't be stupid anon. No car is worth $1 million

>>60600430
There's no way you're spending that much on video games unless you're whaling HARD on pay to win games and gachashit

>>60600434
Same, but my Camry is from fucking 1997 and it won't die.

>>60600438
You can use the same logic for almost any purchase and at the end of the day you end up old with more money than you can reasonably spend. As long as you aren't doing this with everything and you understand the "risks" its fine. Stupid, but fine.

But im driving a 97 camry and I dont view cars as entertainment and I have enough in the market that I can retire in luxury in a few years.

>>60600443
I don't play gachas because I dont gamble.
$1000 / $60 = 16.66 games a year. But once you account for hardware upgrades, controllers, that comes down to a lot less games.

>>60596015
Agreed, but car loans are retarded. Save up money for a bit and use it as collateral against a box spread instead. If you don't have $20K of collateral, you don't have the money for a car to begin with and should use public transportation.

Don't. Live. Beyond. Your. Means.

>>60598695
> Lots of normies are status conscious and so will spend even when it hurts.

This. People have very powerful egos and are prideful. To them staying financially weak is a better alternative to driving a used 10 year old Jap car.

I laugh so hard when I see normies driving some nice new car. Total rubes. It’s a horrifically stupid idea to be spending hundreds a month on a depreciating asset if you don’t have tens of thousands invested already. Someone who’s still paying off a 60 month lease for a new car bought in 2021 could have bought a Corolla for a few grand and put the monthly payment money into Bitcoin and be loaded

>>60600718
100k on games over 10 years is 10,000 / 60 = 167 games per year. Unless you're saying you spend 9k on hardware per year, which would basically mean building a NASA computer from the ground up every single year, then there's no way you're spending that much on games. I buy basically whatever I want on steam and upgrade every few years, and I barely spend 500 on a liberal year.

>>60599387
Except I am not.

>>60596011
Poor people in general try very hard to avoid looking poor, so a lot of them will even go into debt to achieve this.

t. former poor who used to have the same mindset

>>60595963 (OP)
Do you want to have a nice car or not?

>>60595963 (OP)
What's so good about cars? I drive a shitbox and recently got rear ended by guy with no insurance who cut and run.

I bought a rear fender and a pair of headlights from a junkyard and repaired it for like $300 total.

It literally costs nothing to run. Once I get rich, I might buy something nice, but till then, no effing way.

>>60596081
I walk through one of the most expensive neighborhoods in my entire country to get to work everyday, half the cars parked there are econoboxes.

>>60596584
It's possible because she isn't planning on paying it (which is priced in prolly).

Instead of buying a car, I went and worked overseas for a contracting company that paid for my housing and transport. I did that for 10 years, invested and bought crypto, then "retired" at 35 (not really, just dont need to work anymore and unsure what venture to engage in).

Car/housing/etc are all designed to keep you poor and in your cage. You can make the right play to get massively disposable income to buy assets and make risky investments when you are young.

Every dollar you spend on rent of repaying loans is a dollar you miss out on pumping into markets.

You can go work on a fishing boat or mining site, something like that also and achieve the same amount of disposable income, with no degree and no experience.

Housing + transport covers = financial freedom by your 30's.

guys whats the best used car to buy under 10k

>>60600048
"bad debt" isn't a real thing. Only bad purchases.

>>60599799
This guy is based.

>>60601282
I can't believe there are people who would spend an entire 10 thousand dollars on a car, you ridiculous CONSOOMER, you've been tricked. Don't you know you can just buy a $200 car and just put the rest of that 9800 in Bitcoin, and take it out when you retire? You need to be smart like me or you're never going to make it.

>t. every dumbass poor person in this thread

>>60595963 (OP)
1 year of indentured servitude for a 2014 nissan sentra with 150,000 miles

>>60601369
You missed the point retard. You buy the car in cash. If you want to be retarded (which you are) then go for it and waste a ton of money on the car. Just don't be a bigger retard (which you probably are) and finance the car. If you need more than a simply beater car, you're a schmuck of epic proportions anyways

>>60600103
your car has never had any issues? Like ever? What do you drive? What year/model? My car breaks down all the time, but its a BMW LOL

>>60601464
>Finance car for 1.9% and invest the rest
>Or pay for it all in cash
Why would I do the latter?

>>60601482
Go ahead and pay the interest like a good goy

>>60595963 (OP)
I need normalfags to be like this. This is how my investments yield.
>>60597630
I use my car once a week. My car is not related to how mediocre my life is.
>>60596265
>M B CH
How much does each letter cost, and why are you too poor to glue new ones?
>>60596587
>If you know how to work on cars
I don't want to waste my free time on that shit. The extra money I spend on a reliable and safe car is worth it for a high earner like me.
>never needed a tow truck.
>limped it home one way or another a few times.
Yeah and I don't want this ever in my life. I want the car to drive me from point A to point B and back without ever failing.
>>60600161
>>60599986
The big pumps are over. People who made it either don't frequent the board, or they retired early and are living the frugal bogglehead life.

>>60601482
The 10+ years during which you don't have a car payment can make a huge difference, but to be honest, it really depends on how much you drive.

>>60601521
>Pay 1.9% interest
>Receive >1.9% ROI
Mathlet.

>>60601604
>Doesn't pay cash for a car
>Thinks he's beating the stock market
Mathlet

>>60601259
I work a travel job myself, if you can get something that pays well, (+50k minimum) and has minimal costs associated with housing and energy, shit is so cash. Someone else is paying for your food, shelter, utilities, etc. (((Banks))) target housing and autos because it's necessary to have those things to survive in most of the US. If you can get away with not paying bills, not consoooming and having a good paying job, you can get loads of cash in just 5 years. Whether you toss that magic 100k number into the markets or just buy property and cars outright in cash is up to you, but if you got nowhere to be and nothing better to do, look for that type of work. As tempted as I am to not rent ASAP, if I took a 30 year instead of saving cash, I'd spend an extra 20 years at most being in the cagie than if I had just saved. And you don't even need to save in cash either. This isn't to say there's never any wisdom in loans, but to check your desire at the door before you flock off to someone who will put you in bondage in exchange for material wealth. Does it make sense? For cars, almost never.

God knows what's with your personal life if any of this sounds appealing, but...we're here for money, not life fulfillment. Once you can cover your butt when it comes to the costs of living, you can "buy" more freedom from the system.

>>60600051
lol no, its just a slightly polished Honda lol

>>60601728
That's the appeal of premium brands like Acura, Lexus, Genesis, etc. You get the reliability of the parent company with the extra luxury/performance features of the higher end brand. Are you just now figuring this out?

>>60596038
How'd you find a car that runs for a grand?

Around me, you can't find shit under $7k without going to facebook marketplace and looking at rusted out shitboxes that won't pass inspection and reek of cigarettes.
>>60598695
> Of course they only impress other normies.
We're just deluding ourselves to pretend that's not important though. You don't need a luxury car, although it is kind of nice, but if your car looks like a beater and you're over the age of 30, everyone will judge you for it. It's like dressing like a slob vs being somewhat put together looking.
That said, you don't need to drop $20k+ on one. You can buy a 10 year old used luxury car for nearly the same price as a non-luxury car of the same type with the same mileage, and nobody except car fanatics will know the difference.
Also, if you drive a lot, why not? When your car's embarrassing, it brings you down a little every time you get in it. When it's nice, it's the opposite effect. It's like wearing your best clothes vs. something ratty and fits you awkwardly.

>>60595963 (OP)
No car payments since 2015, never bought a car worth more than 3000$, I saved over 50k doing this, if you are dumb enough to be unable to maintain a shitbox so you can keep more money in your pocket, therefore being able to invest your money, you're a real brokie, look for cheap rare pearl for cars, don't buy anything over 5k for your first car and always pay cash. The total jewery that are car dealers with a 20-50% markup, its all bullshit and dream. Drive a cheap reliable used car.

>>60599133
New cars are generally one of the worst purchases you can make.

Go used 100%.
Mileage and apparent condition is more important than the year of the car. How high is too high really depends on the car and the make.
A Toyota with 150k miles in good shape is probably a better buy than a Nissan with 75k.

But the basics of any car are you want to test drive it, then pull over somewhere to check how much rust it has under the car. Open the hood, check for corrosion and rust, feel the belts to make sure they're firm but not too brittle and don't have any cracks in them, make sure there's signs of fluid leaking anywhere.

>>60600111
I don't either, I just wanted an SUV. Was hoping for a 10ish year old Toyota Highlander, considering a Subaru Forester, then came across a Mercedes GLK in great shape lower mileage than I was expecting to buy, so for an extra $1500, why not?
Drives nice, leather seats, emblem that either impresses normies or makes them seethe (I get off a little on both). And at $11k it was still a cheaper car than the average one on the road.

>>60602343
>don't buy anything over 5k
Have you bought lately? 5k is like the floor for something that runs at all now. Sub 10k is the new inexpensive car.

>cars invented
>become a symbol of freedom allowing people to meet with each other and participate in activities over larger distances than ever before
>internet gets invented
>now people can talk and do stuff together from their own home
>instant access to information and services from around the world, not just in driving distance

The freedom that was once embodied by cars is gone, subsumed by the internet. all that's left is the rotting infrastructure built during the automobile golden age and a culture of car obsession that is gradually being left in the past.

>>60596023
>car breaks down
in over 40 years of driving, i have been stranded exactly once by my car "breaking down" and becoming undrivable.

>>60602388
I just searched for Honda Civics in my area, found one with 130k miles for $8k

>>60596081
This is literal nigger buying gucci tier behavior. Do you think random third worlders on the street with Louis Vuitton are "rich"?

>>60596591
Yeah I got rid of my 2004 junker mostly because of this (once other stuff started to break) and the inspection station had been looking the other way for years.

>>60597182
I don't know, I think they didn't salt as much and used a different variety >>60596899

t. $500/mo for 72 months, but I own my house outright and will probably just fully pay the car off soon.

>>60599986
Shitboxes are based. My new car has so much shit that drives me crazy.
>tablet to control hvac
>but don't you dare text while driving we'll give you a ticket

>>60601627
I have a car loan and my ROI is much greater than the interest rate in the 2 years since I bought it. I didn't say anything about beating the market. You can underperform the market by a lot and still beat a low interest rate.

>>60600280
Kek

>>60600280
Why? Why do you need a 50,000 dollar car? A car is, first and foremost, a vehicle, it's a tool you use to get from point a to point b and back again. Unless you're a multimillionaire with mountains of disposable income, the only thing you should be considering in a vehicle is its dependability and how cheap it is to repair. There's so many more useful things that could be done with that money, or just keeping yourself out of debt. The kind of people who would be attracted to you in one way or another for having a "nice" car, are not the kind of people you would want in your life anyway.

>>60599799
Unfathomably based.

>>60597539
Skill issue. You have to buy from faceberg marketplace instead of a stealership. However this requires you to have cash because you can't finance private party; which is a big ask for this poorfag board full of jeets.

>>60595963 (OP)
I am 37 years old and have never bought a car. Always had company cars, driving a Tesla Y currently, didn’t cost me a dime. Ordering a new car in 2 months, don’t know what ill get yet. Every 4 years ive had a new car since age 20. Feels good.

>>60595963 (OP)
>only 3 more payments left on my car
as a NEET having that extra $270 a month (and hopefully getting my car insurance down) it's going to be huge. my bills will cut down like 40-50%

To EVERY person in this thread bragging about how shitty and cheap your car is, I just want you to know something:

You are asleep. I am awake. I am the reality show, the catalyst, the 15 minutes you'll never have. You wanna know why I do this? Well, I wanna know why you don't. The thing is, herding animals stay with the pack, while the lone wolves speed away in their shiny, brand new car. You are a sheep and you don't even know it. A sad existence.

>>60597650
How fucking poor are you?

The Reddit sub where people show off their new build house and the loan% is so funny. Congrats, now you can work till you die for Mr Goblinstein.

Idk how people can afford these expensive car payments. I spend $300 a month on gas and insurance alone.

I just replaced our old shitbox that got wrecked with an even older shitbox

>no gigatard tablet interface
>no steering wheel buttons
>no lane assist
>no emergency brake assist
>no auto start stop
>no annoying blinks or beeps
>not crippled or overengineered due to EPA regulations

Pretty pure driving experience. I go full autismo meltdown every time I drive my mom's newer car and it beeps at me every time someone passes or vibrates the wheel when crossing lane lines. Honestly, all the safety shit feels unsafe to me at this point.

The EPA stuff causes manufacturers to make cars shittier too. Auto start stop wears your shit down faster. Then you have shit like toyota axing v6 tacomas for 4cyl turbo only. Also EGR on diesel engines cause carbon buildup in your engine and fuck your shit up. Then you have 10k intervals and thinned out 0w20 being the standard nowadays. I imagine cars built in the last 10 years making it to 200k miles will be rare.

>$25k for a new car
>:(
>$15k for an used car plus $20k in constant repairs, parts, maintenance
:0

Explain to me why buying used isn’t a scam?

>You should only have ze shitbox
>When shitbox die, replace with new shitbox
I've lived that life, having a repair cost more than the worth of the actual car is soul crushing.
Getting to drive a car and not having to worry about repairs, "what's that sound" etc is absolutely worth it.

>>60605948
>That gif
DESPITE ALL MY RAGE I AM STILL JUST A RAT IN A CAGE

>>60595963 (OP)
Answering the question: I don't have one. I paid cash.

>>60597309
Whatafag.

>>60596081
no one cares if you're broke

>>60596265
why does your mercedes have two chevy logos on the steering wheel?

>>60596081
You know what's worse anon? The fucking wives.

For some unknown reason, even though it does not affect them at all, even if they have zero money they personally put in themselves, women just HAVE to pressure the family, whether the dad or the husband, into new vehicles. I cannot fathom it. I have to fight off all my family members every year asking why I'm still driving civic shitboxes when they run clean, and any maintenance issues that pop up from the nature of the cars just being old, the cost is much much cheaper than any monthly payment would do. Not to mention, how much cheaper insurance is, registration, and general replacement costs.

I refuse to buy a new vehicle so long as the price of fixing a 90s civic is cheaper than any car payment, and I refuse to have any tablet, camera, blindspot nonsenes, automated window, or anything of the sort in my car.

>>60601801
what? Thats what I said are you stupid or something? Acura isn't a different brand at all, its just for retards who want a different badge on their Honda.

These same retards then smoke and drink

>>60606631
>Grand parents die and leave ur mother with money
>she immediately plans a vacation and buys a new car

fking women

>>60607082
You're an imbecile. Many Acuras are built on Honda platforms, but the TLX is unique in that it is a purely Acura vehicle and isn't based on any Honda model. It has its own frame and engine and is only built in Acura factories. How is that "not a different brand at all"? I'll forgive you for being stupid, since most poor people are, but would it kill you to do like 30 seconds of research before spewing false nonsense? We have the Internet now, there's no excuse for it anymore.

>>60605885
>>60605948
Have you tried not buying American cars? Cars are not supposed to need repair every year. It's a solid piece of machinery, it doesn't break easily.

Paid $8000 for this in 2020

>>60607188
you are stupid and poor and literally a retard and a gay fag. Do better.