Is everyone richer than we expect? I see a shitload of these and bmw/mercedes SUVs on the road.
>>60895304I work full time making 40k a year and would struggle to fix my 13 year old car if anything happened. I’m not sure how people making only 20k more than me can afford these things
>>60895304Most people are nigger rich, they buy or finance cars too expensive to own
>>60895304they're retarded and in massive amounts of debt. they cope by saying "it's only" $600/month while leaving out>the loan is for 84 months>they also pay another $300/month for gas + insurance + wear & tear>their take home is like $4k/month>~20% of their take home goes toward their goymobile
>>60895304most of these people have tens or even hundreds of thousands debt to show off their middle class lifestyleamerica is packed full of these retards
>>60895304it's pretty safe to assume that almost everyone around you is a secret multimillionaire at this point. Nothing makes sense otherwise.
>>60895304The average normoid has a $500 monthly car note and doesn't bat an eye about it. The fuck hueg trucks and t*slas have even bigger goy taxes.
>>60895304> what is a high APY loan?
I mean, people will make $65k and then say “hey I can afford to pay $500 a month for a car”. So they’re not rich, but rather make poor financial decisions.I’m sometimes astounded by just how dumb the average person is. I’m not MacArthur Grant recipient, but it’s deeply shocking to realize who the average person is and how they live. Jury duty blew my mind.
>>60895612Credit card debt, all debt really is at an ATH. Things will get bad and you’ll see who was swimming without a bathing suit. Watch the unemployment rate tick up another one percent and suddenly you’ll see a wave of boats, snowmobiles, ATVs, etc. pop up on Facebook marketplace or Craigslist.
>>60895304the opposite, everyone is poorer than you expect. Each of those you see on the road represents like $80k+ of debt
>>60895333>13 year old carI "make" 93k and drive a 3 20+ year old cars. My newest lowest milage one is a 2004 F150 with 147k miles on it. The other two are 200k+. >Why 3 carsRedundancy. There is no public transportation here. Not even a uber or lyft will take me from my house to work. My only option beyond my 3 vehicles is the only cab service in the area that is an old mad with a fleet of ratty dodge caravans thar takes cash only. It'd be over $100 a day to commute to work with him.
Its easy to look rich in America. Everybody with a decent job can get a loan on new car or truck. I agree with everyone else here that for most of them its not a smart way to spend their money. I am grateful to have these people around though to keep up the supply of decent used vehicles that are much cheaper to own.
>>60895632You can get a brand new Model 3 for 35k (with tax incentives). Pretty good deal
>>60895304I drive a mercedes in nice condition.I've gotten comments about it.It's a 2012, 95k miles on it, cost me 11k. I'm in an area where any other car with that mileage would have been basically the same price. $8k is like the floor for something reliable here.When you go to a dealership, every mid-tier non luxury car newer than 2015 is like $18k+IDK how THOSE people are doing it. But I do think it's weird I get called a snob for a reliable car worth around 10k when everyone else is driving cars that cost 2-3x as much and just doesn't have a luxury brand emblem.
>>60895715You think paying $35k plus tip for an electric goybox with a deteriorating battery is a good deal? More proof /biz/ doesnt know anything about cars. I can buy a 20 year old toyota for $3k that'll run for another ten years with minimal maintenance.
>>60895743It's a good deal if you're in the market for a new car. That's like me saying that paying $100 for a nice pair of headphones on discount is a good deal and you counter with "i can buy a pair of 1992 SONY earbuds from Goodwill for $10". Okay, and?
>>60895761Why would you ever buy a new car, retard?
I love seeing the small starter homes and apartments with these giant trucks parked outside Truly comical men who cannot afford actual land, but will pay up for a status symbol - the middle class is hilarious
>>60895768- safety- newest tech- less maintenance- knowledge of its history- aestheticSome of us can afford it and want it. Keep coping, poorfaggot. I'm sure your piece of thit from 1993 is just as good as my 2025 Tesla Model 3. Kek
>>60895774i live in a $1900/mo cuckpartment complex. i have neighbors with an integra type s, c8 corvette, porsche 718, bmw 7 series, ford raptor, etc. they're going to be renting until the day they die.
>>60895798Wow dude congrats on falling for consumerist propaganda! You win the Best Goy of this thread.
>>60895774yeah, credit is poisonit should be made much harder for people to do thatit doesnt benefit them in any way
>>6089530410% of americans are millionaires, you're just left in the poorfag dust
>>60895812Seethe more. Our 1993 Honda Accords are the best cars on the market right now! Normies are just GOYS lol, they don't know our secrets
>>60895816would be interesting to know if most of these are boomers with real estate
>>60895304I make 100-130k and drive a 10 year old prius. My gf makes 100k and she drives a 15 year old car. Repairs, insurance, and gas is something we can afford. Can't even imagine driving one of these on my current income. Maybe were cheap.Our rent is high though. 2700 and we live in socal where every trip out of the house is $100. Fuck am I doing wrong man.
>>60895304That truck is owned either by a moron blowing through their 6 figure oil job or by a blue collar dumbass paying off a 96 month loan along with their equally expensive boat
>>60895818Typical t*sla owner, you think people give a fuck about your shitbox with active driver surveillance. Newsflash buddy, nobody is impressed about anybody's vehicle, especially not some faggot ass ev.
>>60895833youre doing nothing wrong it seemsI dont understand your question
>>60895669I lucked out on jury duty because of a natural disaster but I know I wouldn't be selected on the bench because my views are too hmm abstract? However you want to frame it. Im a bad juror.
>>60895840Yep. Your our 1993 Camrys are where it's at. These cars are goy-proof! No one cars about cars anyway. NEW CARS ARE SHITBOXES ANYWAYS. AND JEWS SPY ON YOU IF YOU OWN A TESLA!!
>>60895859it seems like we got the normie a little triggered tell us your net worth - big boy - since you have such great advice
Not American, can someone explain the point of owning a monster truck if you're not a tradesworker?
>>60895903To let everyone know you have a smol penis.
>>60895883My net worth is 5k (4k of which is my 1993 Honda Accord). But I'm living large because I'm not a normgroid. At least I don't have a JEWla lol. How about you, fellow normgroid-killer. What car do you have? A 1992 Honda Civic or maybe a 1987 Toyota Corolla (a classic)?
>>60895812Meh, I would rather write off a new Cummins with the ZH transmission than write off a used one for ~20k less and guaranteed wear and tear. Could easily spend 20k on repairs.
>>60895742Is maintenance on German cars really that bad? I was looking at 2015 BMW 3 series for 10k with 77k miles. 3 owners but no accidents. Seems like it could have been reliable but the 3 owners had me concerned
>>60895903it's a perceived status thing. they've done studies, this has been discussed ad nauseum. nobody uses their trucks statistically (they are better off renting an hour a year from home depot). actual tradespeople are better off with vans, little Japanese trucks (with larger beds), and old clunker US trucks.men like them because they think it makes them look manly (marketing?) and that small cars make them look weak. beneath that the vehicles are comfortable and nice. giant waste of money but consumerism drives the economy."im tough and your an idiot for not blowing the money" same mindset driving top-of-the-market real estate purchases, other conspicuous consumption
Once plebs who just landed their first full time job, they have to go finance an expensive car to tell everyone how much money they now have.
>>60895958The German luxury brand fears the Samurai. Way less expensive, way more reliable, better tech and styling IMO. And very comparable performance to an M3 which costs 15K more
>>60896014And a THICC ass
>>60895768Have you tested the Tesla self driving feature? Go check it out and see if your opinion doesn’t change.
>>60896078I'm not putting my life in that thing's hands.
>>60895304>richno, people just go into debt or prioritize their car over more important things
>>60895833>priushave some self-respect man
>>60895304it's all credit
>>60896078
>>60895798this is b8. my 2006 corolla costs fuck all to maintain vs modern cars credit jew payments and overly complex engineering which makes self repair almost impossible.
>>60895304theyre sucking their boss dick just to not lose the job, if they lose job for longer than 6 months theyre homeless
>>60895304There's a guy I know making $17/hour and he drives a 2021 dodge charger with 4,000 miles on the engineIt's mostly just debt or boomers who leveraged appreciating home values. 99.9999% of people you meet are not geniuses at all
>>60895304In the UK it's either tax evasion, drugs or free motability cars for migrants.You'll literally see nicer cars in a brown estate than in a doctor's driveway.
Still driving my decade-old Honda.
does this help OP?
>>60895859Tesla's are fucking gay. You are fucking gay. Literally a 93 camry is a better vehicle to own than a 2025 Tesla subscription. Being this mad about your purchase just means you have some sanity left to recoup.
>>60895612It isnt though. 5% are millionaires and 10-16% are millionaires when you include their primary residence. So most cars you see are financed. 10% of Americans have 1M.
>>60896078Yeah nah I'm not gonna ride in anything that's connected to the AI (Actually Indian) botnet.
>>60896510that is a saab
>>60895304I haven't seen anyone rich in my entire life, except for some retards on the internetThe only person with money I've ever seen is myself in the mirror, just because most of my salary goes to shitcoins and my npc lmao, am I in a safe place?
>>60895768It can be. I had a 2013 bmw 335 in bought in 2017 off a lease with 35k miles on it. I drove that car trouble free for 120k more miles doing 1 brake job and changing oil every 7500 miles. I would still be driving it but I started getting back/hip issues and just could not sit comfortably in it anymore...I replaced it with a 2015 Porsche macan turbo, seats way more comfortable, it had a bunch of air suspension issues that cost a few k to sort out, car is probably a mistake but it's comfy af...German luxury cars can 100% be a black hole....
>>60895304It's really not hard to afford a luxury car. Dealerships will play with terms to get people an "affordable" monthly payment. 95% of women also have no concept of financial planning and will spend every dime they have.
>>60895348fucking insane, these poor people are insane. fully brainwashed by the keynsian economic overlords that forced this stupid economic theory of debt and spending being good on us
>>60897005Imagine driving a car worth more than 10% of your networth. lmao
I got a new Kia Seltos last year for $40k CAD after trade in, 5 year car bill at 4%. I make 100k and needed to upgrade from my old sedan for work anyway so it just made sense.
>>60895304>Is everyone richer than we expect?DEBT DEBT DEBT DEBT DEBT. Nobody can afford anything. They just agree to pay interest on it forever so they can pretend to own it. It's stupid as fuck.
>>60897315debt is slaveryit should be heavily regulated
>>60897322debt is slavery is control. its like this by design, not by accident.>golden chains
>>60897315KEYNSIAN ECONOMICS WORKING AS PLANNED TO MAKE EVERYONE A SLAVE OF THE ZIOGLOBOHOMO-FABIEN SOCIETY MASONIC BANKING ELITE
I just bought a mew 41k truck for 60 months at 790 a month lmao. You guys can laugh at me all you want. It’s 4.7% APR
I FUCKING HATE KEYNES FUCK KEYNES AND FUCK USUARY
>>60897328debt is extremly shortsightedfor a while it makes you feel god and props up the economybut in the long run its stupid
I bought a used car in 2015 and have been maintaining it for like a decade. I have been saving that money and investing it and that has netted me around 100k. In this life you are earning the interest or you are paying it.
>>60895612Two retards I went to high school with got married and bought a house earlier this year. I just have no idea how they can afford it. I make $87k and the numbers don't work out for me, I don't know what the hell they do for a living.
>>60895333People trade and buy crypto I guess. I will be able to afford this soon before EOY once UTK pumps back up
>>60895342there hasnt been a mass default in at least 10 years so theyre doing something right
>>60895855any one of a worthy of an opinion usually skips jury duty
>>60895304They’re carpoor and nigger rich living off of credit cards and paycheck to paycheck.
>>60896510Based and /o/pilled shitbox enjoyer. Still driving my gramps land yacht with no A/C and bald tires. Fuck giving the Jews money.
>>60897322It IS heavily regulated and it's working exactly as intended.
>>60895798Electric cars are an intelligence test.You failed btw.
the crux of the issue is modernist architecture, city planning and zoning. get rid of suburbs and ugly modern architecture and the problem goes awayin a traditional city you dont need a car. everything you need you can walk to. job, market, pub, theater, school, docter, friends and family, etc, all within 10 minute walking radius of your home. no cars, no traffic, none of that non sense. in cities like that, the middle class acts rich by wearing nice clothes and having nice hair cuts, because they're seen in their clothes walking around everywhere. a few nice suits and trip to the barber they can buy outright, its much cheaper than acting rich by buying some stupid lifted dodge ram bought on credit that they park in front of the shitty condo in the suburbs they rent
because if you do not have a nice car you cannot get pussy in the 21st century even if you have million dollars
>>60895304:)
>>60895348This. There are more americans than you can imagine that are genuinely paying $1200 a month for their car/truck while only making $50-60k a year. The reality is most of them are married and all of them are in debt.
>>60895304It's a few things it could be anon.1.) Their boomer parents are passed and they inherited funds and assets.2.) Their boomer parents gave them funds and assets.3.) They successfully profited / scammed off of a business, trading, or working in a field that pays those bills comfortably.4.) They are in massive debt $100,000+, juggling refinancing, locked in a field of work that they cannot leave or they lose many assets.Life isn't fair... some people are favored and their lives are made easily, but this doesn't mean you cannot gain for yourself. Esau was favored over Jacob by their father Isiaac, in almost every way. Esau was said to be a hunter and lazy, however still given favor over his brother Jacob who was working and tending his farm and flock.Pray every day.
>>60895687Time to buy. Been waiting three years for a new truck.
>>60895304I'm betting on Debt personally.Personal credit debit surpassed and ATH earlier this year, and nothing substantial has changed.For the past 5 years I've done everything I can to remove all debt from my person. I now have zero debt and am waiting for rates to drop again to continue my work.The US is looking at multiple wars in the near fututre, Dept. of War ffs. Most Americans don't realize that if you're brown or a jew hater (which AI will determine) you're going to be on front line duty with a suicide collar strapped to you.They are going to streamline the process of killing possible violent individuals by simply foddering you. Unfortunate, but unfortunately in this slave morality world the cripple retard in a wheelchair is goin to choose where you live or die.
>>60895342>>60895348>>60895367>>60895632Seething incels.At the of the 4 years they have paid it off and start another round of making it purchases meanwhile you bitch and save like 15 bucks a week if that LMAO
>>60898843ok euro freak>lets outlaw the suburbs>noooo you cant build that>because i dont like it
>>60895993It is also safer to drive a 6000 lb hunk of steel elevated higher than most traffic than to be on the ground in a little 2000 lb shitbox riding around next to the former
>>60902953Europoors unironically like the idea of a prison existence, where you live your entire life within the confines of one neighborhood. Regular personal travel of any significant distance is frightening and confusing to the europoor.
>>60895333they save $0 while you probably plan on saving 10-20% as a baseline
>>60896572when controlling for inflation that's basically 0 real growth tho
>>60896193I have to suck my bosses dick not to lose my job and I’ll be homeless if I lose my job longer than 6 months and I drive a used Corolla
After driving my 2004 Lexus into the ground I bought a 2021 Tundra 1794 with 18k miles on it this March for 45k using profit from crypto. Will be paid off at the start of next month. No real reason for me to have bought for my 10 min commute except:1 it's badass2 I wanted it3 I could afford it several times over. House is paid off as well btw. No real input for this thread except to brag about it. Crypto has been a Godsend for me.
>>60895304You know whose cars you don't see on the road? People who can't afford cars.But nah, most people are living WAAAAAAAAAAAAY beyond their means. Like, "I make $60K/year and have a mortgage, two car payments, and an ex-wife who gets half my pay for child support, but goddamn I need my four-times-daily Starbucks fix" poor.
>>60895304no, they're in a lot of debt. that one statistic about most americans being unable to afford an $1000 emergency comes from financing shit like this
>>60895304Taking on debt isn't a signal of wealth.
>>60895774It's third world cargo cult behavior. It used to be blacks and Mexicans were the worst offenders, living in the ghetto or with 20 people in a house and driving around in Escalades. Unfortunately their behavior has spread, with help.
>>60895304Nothing more cringe than seeing big trucks hauling campers or boats cuz dad has to drag their families out for a miserable outing.
>>60895993>actual tradespeople are better off with vans, little Japanese trucks (with larger beds), and old clunker US trucks.Depends on the trade for vans. If all you're hauling is tools a van is great, if you're hauling material it's not so great. We can't have those cab over mini trucks in the US. Old trucks have their benefits, fuel efficiency is not one of them.
>>60895304Lol normies are renting those from the banks and paying $500-$1k per month
>>60902953>le 4chan contrarianwhats ironic is that your comment supports my argument, but your too low iq to realize thissuburbs exist because traditional city planning was outlawed, idiot.zoning laws mandate only residential, or only commericial, or only industrial, can be built in a given area. when zoning laws go away suburbs go away because when people have freedom to build how they like, they build cities how people have built them for 1000s of years, meaning good looking settlements of multifunctional and mixed use buildings that dont require rotting hours of your life away every day in a financed $45000 metal box just to run errands or go to work>>60903038europeans are more well travelled than americans. they're also much thinner and healther and good looking too. sitting in traffic on the freeway everyday is not the same as travelling. im not even european.
>>60903439>We can't have those cab over mini trucks in the USWhy? Is it illegal or do companies just not bother making them because they get way better margins on luxury trucks?
>>60899483bro are you chasing boomer pussy with that?
>>60903919boomer dick*Women don't give a fuck about cars
>>60895687>Credit card debt, all debt really is at an ATH.But even if it's debt it means they've been able to keep up with payments for years. That takes a solid income level too. If they were defaulting they wouldn't be getting more credit.
>>60903919>>60903927t.booomersi photoshop myself with sports cars and yachts and get tons of matches and get their nudes kek
>>60897021You can't spend the money you worked hard for, you just can't ok?!?!? shut up retard
>>60903971We have Gemini for editing now, you poser boomer.
>>60902780they say that mass repliers were molested by their father. is this true?
It’s always funny to see these incels on biz whine about other people in debt when the dollar is actively dying and all those people you call retards are going to pay off their loans with worthless money while you are all stuck with ashitty old car. Same goes for housing your rent will increase massively with inflation, my mortgage will not
>>60897958Their parents and/or their wife parents helped My brother and his wife got $200,000 from his in-laws to help buy a house
>>60904250the "dollar dying" refers to value relative to foreign currency. a devalued dollar doesn't mean your house becomes more valuable, rather its value tracks the money supply and the dollar only becomes worth less with respect to foreign currencies.
>>60904267Which is why your own crypto or gold which does become more valuable as well
>>60903527Suburbs exist because niggers got shipped out of their segregated areas in the 1960s, stop parroting opinions from reddit fuckcars and realize that suburbs exist to avoid the groid. Personal automobiles exist to avoid the groid, nice single family houses in White areas cost over half a million dollars in the US because they are built to avoid the groid.
>>60896078I drove my friends cyber truck and while it is cool at first it seems like the novelty would wear off within a week of owning it. I’ll stick with my Prius. Not to mention that he only kept it for like 3 months.
My unzogged 13 year old accord has only gone up in value in my mind when I hear people’s engines turn back on at stop lights.
>>60903527>but *I* shoukd be making the zoning laws>because I dont like suburbs>thats why I live in one"architectural" freak
>>60895304Trailer park niggers Puerto Ricans And niggers With credit cards and buy here pay here They are all over Orlando
>>60895304Bait used to be believable
>>60895304>Google searches for "give car back" are at near all time highs LMFAOhttps://x.com/VladTheInflator/status/1963666004023849096
>>60899522>and inflation doesnt helpIs her debt inflation adjusted lmfao thats literally why the fed targets any inflation rate in the first place what a stupid bitch
>>60902953>>60903038Im a burger on vacation in the netherlands and i just rode a bike 50 km out of amsterdam into the farm and country fields to marken and abcoude. You can go wherever you want. In fact, its easier to get around than in the US. Its baffingly for most of burger compatriots because they cant comprehend going to another town without a car
>>60908372>I cant ride a bike in America>because Americans are dirty filthy unEnlightened scum>god Im glad to be around fellow coomunist cumrades
>>60895304Debt slaves
>>60895333I live in a middle upper class area and many people I know are making well into 6 figures and living pay check to pay check. I briefly fell into that trap when I was younger but had the realizations of how stupid trying to ‘keep up with your neighbors’ is. Some families I know are 1-2 paycheck from being completely broke because they’d rather drive nice cars and trucks and spend lavishly on vacation than save for their future.
>>60909368> trucks>upper middle class
>>60908372>it's easier to get around in a country that is 1/100th the size of a US stateWhat an immense brain you have.
>>60909461You didn’t read op’s post , did you? You just looked at a photo and made assumptions.
>>60909485i live in a big city so I see everything. There are no trucks on the streets
Watch this video and it explains all the high priced trucks and SUV's on the road. https://www.youtube.com/watch?v=GL_I6_0FcTg
>>60895333A lot of people actually believe their 401k and social security will be around. They think this is the recession and we're on the cusp of making new highs and they'll be making even more money down the line. That could be any further from the truth, however.
>>60909513Are you the guy making 500 youtube videos about how the economy will crash in 2 weeks?
