You do OWN your car, right? Don't tell me you're paying the bank every month for your own property.
>>28620927Of course, cash in full is the only way to play. I WILL own everything and I WILL be happy.
>I paid cash so I own it!>I have a clear title so I own it!Even if you hold the Title (i.e. you are "entitled" to the vehicle) the State still owns the vehicle's Certificate of Origin (the vehicle's "birth certificate") and thus is the true owner. This is why they can pull over and fine and tow "your" vehicle without your consent.People will cry "but sovereign citizenship is retarded!" but they won't say it's incorrect.
>>28620956>Certificate of OriginBruh, when you buy a car, you get the MCO.
>>28620977If buying a new car, your dealer is legally obligated to submit it to the State on your behalf
>>28620980It's given to the owner bruh.Idk what cuck fantasy you have about this.
>buy car in cash>value drops immediately>lose money overallvs>take same amount of cash>invest it>make more per month off it than you lose in car payments>finish paying off vehicle with more money than you started with
>>28621205>Finance 911 3 years at 4.5%>Porsche raises MSRP>Car value goes up>Stocks up biglyBased
>>28621205With an interest rate of 6-8%, you're making jack shit back.
>>28621218>his bank offered him an APR that started with anything above 5NGMI
>>28620927Yes
Almost 40, in my 6th car, and I have no credit score to this day. It'll probably bite me in the ass someday.Paid in cash, babby.
>>28620927No, it made no sense to. First car was 1.3%, total cost of borrowing was $300. Second car is 3%, total cost of borrowing will be $3000. Meanwhile investments are going up like 3% per month and have been for the last 15 years. It was stupid of me not to invest my FIAT jew dollars earlier.
>>28621218Spy is +20% past year, +12% ytd. You're still making money but it's not as much.
>>28621235Actually I should add that it was stupid of me not to lease my second car, would have saved me thousands of dollars in taxes that I'll never get back and I could dump it for a new toy next year which I'm probably going to do anyways.
Nah, shit ain’t worth it. My Golf 8 R leasebait is cheap as fuck (250 eurobux a month)
>>28621227Go ducks!t. Kraut
>>28620927Of course I don't. I instead pay RockAuto every month to keep it running!
>>28621205Nigga quit playing like you're investin
>>28621334Even if you put the money into mutual funds you would've come out significantly ahead vs paying cash.
>>28621205you have no guarantee of your investments outperforming your loan.but you should still take out a loan on a car, as it can help you negotiate into a better deal, then just pay it off immediately as though you were buying in cash.
>>28621342Barring an insane market crash and/or garbage credit, even a basic strategy like DCAing into VOO/SPY will net you returns higher than the APR on your car. Even if a crash happens, the market invariably rebounds within a couple months, and if you play your cards right you can just buy the dip and make more than what you lost.
>>28620927Wealthy people use low interest loans to their advantage. It's smart. I like paying in cash because I'm a dumbass retard.
my car was 7% we paid if off a few months after we bought it. wife's car was 2.9% we'll make the payments as long as high yield savings rate is better.
I am so sick of owning old shit. I thought I was a good mechanic. I AM NOT
I own all 3 of them >>28621910Just buy another one, it's not that deep
>>28621348The market has crashed and taken years to recover in the past, I don't know why you wsb retards pretend that couldn't happen to you. You only invest if you can afford to not touch that money for 20+ years.
Sorry if this is a stupid question but lets say you pay 30-40k for a vehicle in cash. Do you make an appointment at the bank to get that much? Like do you have to wait a few days for them to have it or they just have that on hand? You just put it in a briefcase or something and hand it to the car dealership?
>>28621978In ye olde days you'd use a cashier check, nowadays it's usually an instant wire transfer, which depending on the bank might be capped at a certain amount and you might need to call the bank to perform a transfer over the limit.
>>28621978you get one of those bags with a big money sign on it
>>28621985sometimes I visualize my family all dying and being replaced by life-size money bags
>>28621978my sister bought a car in cash once and had to sign a shitload of forms saying it wasnt for money laundering or something like that lol
>>28621978You go to bank and get a cashier's check. Wire still takes time.>>28621975Ngmi.
>>28620927Ya i have vehicle titles.
I pay the bank because my portfolio has higher interest than their loans
>>28622805>Literally feeding Jews money
>>28622812incel
>>28622812I invested 30k instead of paying cash for a car and my 1-year performance is more than 3x my loan APRDebt-free is code for "poor money management ability" and that's ok for a lot of people, it'll keep them out of trouble. In the meantime I'll make more money faster through time in market
>>28622812line go up bro
>>28622812The jews take their money regardless, that's why line keeps going up. The only thing you can do is try to keep going up or get poorer by doing nothing. A correction will happen and line might dip for a few years, but the long term trend is that line will keep going up because the government cannot reduce spending at least not until the boomers are all dead and they have to keep printing money to fund their operations.
>>28621978>go to dealership>agree with salesman that the cash price listed on the dealership's website is applicable (no negotiation)>drive to nearby bank>get cashier's check>drive back to dealership>give cashier's check to salesmanwa la
>>28620927I bought my first car that I couldn't actually afford recently and instead of financing it I asked my parents to give me a loan. We Jews pay 0% interest while you dumb goyim get stuck in compound interest debt slavery. Your boomer parents likely have money and wouldn't mind giving you a small loan that you pay back in a reasonable amount of time. But you really shouldn't buy shit you can't afford to pay cash upfront with. If that's a $5k shitbox, that's all you can afford for now. Much cheaper to register and insure too. I'm never taking out a "loan" again because I didn't factor in the registration and insurance costs, theyre through the fucking roof oy vey!
>>28623882>tfw borrowing money is so ingrained in the DNA of the goy that they forget how to spend cash for things
>>28624057Found the disgusting rat jew. Fuck off kikeYour day will come to an end
>>28620927What difference does it make to me? How does it affect my ownership experience of the car? What exactly changes after the final payment is made and the title is mailed to me?
>>28624096>What exactly changes after the final payment is made and the title is mailed to me?You have to keep track of yet another bullshit piece of paper
Cars paid off, only getting raped by mortgage and student loan debt and food prices increasing more than salary by a lot.
I own 3. This enrages and confuses the jew.
>>28624307>student loan debtWant to know how fucked-up it gets?My parents were military so I got a 100% free ride through an expensive af private uni through the GI bill. I feel bad about it sometimes, because that really isn't fair.
>>28624327>bureaucrat rats helping bureaucrat rats and their useful golemsdo you think we're surprised by this or something
>>28624327Others fortune doesn't bother me, only my own misfortune. Landed a job where I don't use my degree to boot. That seems like a strange thing to spend tax money on, I'd feel pretty pissed about it if I were american. Good for you in this case.
>>28621978You write a personal check and then laugh at the dealer who thinks that the check won't clear. Paying for high ticket items with checks without flinching is one of the funniest things you can do. Cut a check for my shitbox and the finance guy asked who I was that could afford $6k out of pocket. My opinion of fellow humans dropped many points that day
All the peasants ITT fighting over pennies.>MUHHH MUH 3% OVER APR!!!>MUH INVESTMENT GAINS ON $30klol…LMFAO. Poorfags are so pathetic. You should all kill yourselves, seriously. I throw change at bums like you on the street
Yes, no auto loans here. I pulled the ole >yes I’m interested in this car>oh cool incentive for financing>why yes I’ll sign on the line for this discounted OTD price and your 72 month terms>wait a week for email from finance company setting up payment >pay the whole balance off>pay myself the would-be car payment into my HYSA>>profit
>>28625729>HYSALmao
>>28625736What
>>28625737It's a high yield savings accounts, but the irony is savings accounts are a joke because interest rate is fucking nothing.
>>28625812I mean 3.80% is better than the 0.95% navy federal offers.
>>28625820That's still ass because even boomershit like just buying gold has gone up from $2600 to like $3700 in the past year.
>>28625820Spaxx is 3.98% and you can use it for checking/DD/brokerage shit. There is 0 use case for a hysa. Leave couple thousand at a local bank for emergencies then put the rest in a brokerage money market account and learn to actually invest.
>>28624389Years ago CarMax made me show them my balance on my phone before they'd accept a personal check. I wonder if anyone has just shown them an edited screenshot?
>>28620956>>28620977reminder that your birth certificate was your parents signing you over as property of the state you were "received goods" in the exact same sense as cargo off a ship.
>>28624327Don't feel bad, new Soldiers pay $100 a month for a year and this manages to completely fund the GI bill since most people never use it.
>>28624389I bought a Kawasaki Z900RS a couple weeks ago, the finance guy's eyes about popped out of his head when I pulled a $10k bank strap of $100s out of my shirt pocket. It was like he'd never seen cash before. Then he had to get the dealerships owner to break a $100 put of his wallet since he didn't have enough change in his drawer.
>>28620956But anon, sovereign citizenship is retardedThe freak behind the wheel claiming to just be "traveling" and not "driving" will just get yanked out of the car by the cop
