The Car or the house. If you don't give a shit about a house does it make it immature to get a sports car? I invest in the markets though.
>>28678221If you don't live in a penthouse in NYC or SF, or don't live in your parents' fourth property, then you are a monumental retard and everyone will laugh at your life choices
>pay the insurance jew 2x>pay the petrol jew 2x>constantly dodge potholes to avoid costly repairs>all so that you can drive at 100 km/hit's an objectively retarded decisionrent a better car when you want to do track days
just get one and make /o/ angry. That alone is worth it lol.
>>28678221Sports cars are fun, but if getting one is the difference maker between affording a house in the next 5 years and renting forever then yeah you're stupidIf it's not then go for it my dude, just don't get an m3
>>28678221Why do you care what carlets on /o/ think?
>>28678221How much income do you make after bills, insurance, food, and other necessities?Do you invest $1k or $10k per month in "the markets"?
>>28678233I have the down payment on the house pretty much whenever. I live with my parents though since my job if fully remote. Right now i've just been socking away $4k into the market every month, but it gonna be going to like $2.8k if I get the car for the next 4 years.
>>28678240Just get an ND and invest the rest.
>>28678249Do I really not get to live a little? I want a beemer.
>>28678240Do some math and figure out the monthly costs of getting your own home AND your desired sports car, e.g. bills, paying for your own food and necessities, mortgage/car payments, and insurance.If you can do all that, and still have $1k left over (ideally more like $2k) per month, then you should be fine
>>28678254I don't really want the home though, I like maxing out my roth and 401(k). I'm single so idk if I need 3 bedrooms right now. My parents don't care since I pay for the bills and they know I max our my retirement.
>>28678252miatas are dumb, but so are (most) bmws just in different ways. if you're dead set on one then get an m2 or m4
>>28678259yah I wanted the M240i X
>>28678259>>28678261whatever you do don't get a 4 door grocery getter, make sure its a coupe
>>28678258When you get a girlfriend, you'll have wanted your own place yesterday. Just make sure that your car never eats into the ability for you to get a house and you'll be fine
>>28678252If you really want to, but half the people who buy these cars get them because they're an expectation in their careers, and that justification just isn't there for you given you're fully remote.I'd just get an ND for now. Reevaluate it in a few years.
>>28678268Not OP but I work remote too and got a fast car because I like to go fast. I thoroughly enjoy having a car that can reach 0.9g of forward acceleration in addition to 1.1g of lateral and braking acceleration, of which the Miata can only do two and only if you put on top tier tires
>>28678261Do you need thr AWD?
>>28678275yah i've starved myself of getting a nice car in my 20s. I wanna enjoy my 30s since I already saved so much. I feel like I can go back to driving camries in my 50/40s. >>28678277My Dad gonna take it out on a spin to flex on some peeps. He deserves to flex so that why I want that model. I'm prob only gonna drive it on the weekends/getting groceries.
>>28678279ok well I'm 24. If you're in your 30s and don't have a wife or house then I'm pretty sure you have other life issues that need addressing well before you get a car
>>28678285I just don't want to get divorced rape. I'm doing fine.
>>28678286you need to find a good woman anoni believe in you
>>28678290Idk i'm traumautize seeing a family friend get cucked so hard. Payed for wife school, she became a RN and moved on to another guy. It was brutal, also threatened him that if he ever dated again he'll never see his kid.
>>28678279Does your dad need AWD? Doesn't he know how to drive?
>>28678301I don't want that nigger to fuck up the car. Love him so he can drive it. But that trim gets the best all around engine that i'm hoping to circumvent typical BMW problems.
>>28678221Owning a house isn't even a financially intelligent decision in most cases because it usually entails inhabiting a much larger and more luxurious space than you'd inhabit by renting in the same area. For example, if you buy a house in my small city you're getting two or more floors, a garage, a driveway, a backyard, an attic, a basement, a dishwasher, washer and dryer, the ability to own pets and do whatever you want with the space, an airgap from your neighbors, the ability to live away from black people, etc. That's a high standard of living that's going to cost about $4,000 per month after your down payment of $120,000. But if you rent an apartment in the same city you can just inhabit one bedroom, a small kitchen, a small bathroom, and that's it. And that only costs $1500 per month. So while you do lose money renting that place compared to if you could own the same tiny slice of a building, it still ends up being much cheaper than owning an entire building. And while I realize that condominiums do exist, in practice they are almost all very large and luxurious with high ceilings and high tech appliances and lots of amenities in the buildings, more comparable to high-end luxury apartments (which they are in fact slightly cheaper than) but still a waste of money compared to renting a slice of a shitty building with black neighbors IF your entire calculus is based on spending as little on housing as possible. Now consider the opportunity cost of not investing your down payment in the stock market for an average of 10% annual returns and it becomes even more obvious that what I'm saying is true. But I don't even need to invoke that fact, so the people who can't do math can surely still follow along.I think most people intuitively understand this, but they can't really fully divorce the fiscal responsibility argument from quality of life considerations. They will reply to this post saying I'm wrong because living like a bug sucks. True, but irrelevant.
>>286782951. do marriage counseling BEFORE marriage2. do not try to make friends before asking a woman out3. never ever stick your dick in crazy of you will attempt to rationalize your shitty situation4. make sure she's religious and follows the same religion as you. unless she's methodist in which case leave immediately5. do donuts in front of her dad. he will now be your biggest fan
>>28678221Depends on the car. Unfortunately you posted a BMW so things are looking grim
>>28678314I like beemers though
>>28678310>resell house>make all your money back and then someYour argument immediately falls apart. Kys rentoid
>>28678317Houses have lagged though, people don't include maintenance and property tax in the total cost. So you don't even get a step up in basis nigger.
>>28678305You can get the 240 without the xdrive
>>28678324Appreciation > (Mortgage-Rent) + Maintenance + Property taxes
>>28678324Is electricity, internet, and gas even included in your rent? What a cuck lmaoooo
>>28678329you can back test this against the S&P 500. Houses have lagged. meanwhile every new share of VOO ups your basis.
>>28678317>>28678324Yall niggaz needa git EDUMAC888DNew Yawk Tymez has an über-detailed Rent vs Buy calcul8r that factors in every minor detail like income tax brackets/deductions, projected growth of stocks vs houses, HOA fees, and every factor is adjustable. A financial professional prly can't even give you this good of a BJ, I mean simulation.If you live in HCOL area (like Califucklia), rent easily beats buying if you don't NEED a house (no kids, don't need to have large yard, don't need good school district, et kaytera (that's how it's properly pronunsturbated in Latin)).https://www.nytimes.com/interactive/2024/upshot/buy-rent-calculator.html
>>28678337why do you live in an urban hellholean urban hellhole in CA/NY no less
>>28678342>an urban hellhole in CA/NY no less>the hellhole in question enjoy your flyover opioid addicted shithole
>>28678342I actually hide out in the gated boomer suburbs, but there are no young single women here (except underage). Will prly have to end up getting some Instagrammable penthouse bullshit to appeal to yuppie bitches
I have an M3 and I think about selling it every single day. I love the car, but I hate paying more for insurance, gas, maintenance, and depreciation. Cars are fun, but I like investing even more. I'd rather have an extra 60k in my portfolio. But whatever. You gotta have some fun in life.
>>28678380>meaty quad tip exhaust
>>2867838060k ain't much when your liquid portfolio has 7 digits
>>28678380I battle myself over this all the time too. When else are we gonna be young? A flex car is also kind of a marketing expense if you're a single guy. Not to attract girls purely with money, but to convey an identity and lifestyle (which is what matters to women, they don't care nor understand magic numbers in an intangible account)But I get more pleasure out of growing my wealth than meaningless sex with some dumb bitch I feel is beneath me. The number of truly worth-it women who are marriage/mother material is decreasing by the day
>>28678385> all the tubing to cover up for the fact the inner two are faketypical germoid leasebait trash owned by a fucking crypto moron with no sense and no cents
>>28678399Smart investing is a lot of fun, but a car is something you can enjoy every single day. It attracts more male/bro attention than anything. Women don't really care about cars. I'm married and have three kids anyway. It's an easy topic of conversation with any guy that has any interest in cars, so there's that. And I guess showing up to the golf course in something like an M3 has more aura than rolling up on my old ass Venza. Love the Venza anyway though.
>>28678400I only own stocks and I bought it with cash, but thanks for your concern.
>>28678407whatever you say fake quad boy
>>28678221The fact that so many people with full time employment are forced to choose between those shows just how much has been stolen from us. But I went with the car because I've already been priced out of home ownership.
>>28678423Let's do a comparison:1985 C4 Corvette:>39,729 produced>$24,403 MSRP ($75k in today's money)2024 C8 Corvette:>42,934 produced>$72k MSRPNow consult picrel - real median household income has only gone up since 1985What the fuck are you talking about???????????? Get out of the city dumbass. Actually don't, I probably don't want you living near me
>>28678423This is why we need to overthrow the US government and institute the dictatorship of the proletariat.
>>28678597>dictatorship of the proletariat>society if the 85 IQs ruledlook no further than africa
>>28678249Yuck>>28678252Beemers are motorcycles>>28678259What BMWs do you own?>>28678262My BMW sedans get much more attention than the coupe
>>28678279Bruh waint no one finna b flexin in a 2 series, to use the ebonics of our times
>>28678305Typische BMW problems are brought on by shitty owners. Take care of your BMW and it will be reliable
>>28678711>flexin>ebonics of our timeUnc lost aura
>>28678221If you can't afford the car you can't afford the house that costs 10x more to purchase and maintain
>>28678316Beemers are motorcycles
>>28678221> If you don't give a shit about a house does it make it immature to get a sports car?Yes. Buying a fast car over a house makes you look like an immigrant.
>>28678337"oh dang" why'd you put that thang on fucken stilts like some kind have fucken MONSTER TRUCK bruh that shit look fire for real jaykay lolz
>>28678252You are in your 20s. Splurging now to live a little instead of trying to do choices that make your life in 40s or 50s better is idiotic in this scale.
>>28678380M3s aren't sports cars>>28678385>ricer
>>28678399What's a "flex car?"
>>28678406>just npc things
>>28678733Not really. Nothing's ever promised tomorrow, today.
>>28678329this is entirely dependent on your zipcode
>>28678221>sports carI mean lets be honest, these are lifestyle cars with sporty styling, and most people just call them cuckmobile cars.
>>28678733That not how it works. I already did an NPV analysis on this. Cost to finance would be really only $2k over a 48 period loan at 5.49% interest rate. I also mapped it against a 7% return in the S&P 500. So with interest + Loan you really only lose $2.5k a year in opportunity cost plus the financing cost. Sports car are really only cool in your 20s/30s and maybe yes early 40s. Past that it mid-life crisis territory and i'd be happy driving a Tacoma.
>>28679000>$2.5Gay a yurrnot bad, that's a lotta pipo's Comcast billand Ultimate Mashallah Machines are def more fun than watching stupid TV shows
A sports car is always immature. Even if you are the richest man in the world, you never need a sports car.But being a bit immature is okay, nobody's a robot.
Why are Americans so obsessed with owning homes? Reading these threads sometimes you'd think they're just born so they can buy a house and then die in it.
>>28678252Just get the car it'll make you much happier than these nerds are saying, and you're only that young once.
>>28678711>>28678732reminder
>>28678317No, most of your money goes to interest maintenance and taxes, you don't get it back. And houses are some of the most illiquid assets you can buy. It takes months and costs tens of thousands just to buy and sell them, requiring lawyers, inspectors, realtors, and every other type of scammer that comes out of the woodwork to take their cut. Making money on a house on average was only achieved by one generation (boomers in America) due to a confluence of factors that made them incredibly lucky.
>>28679113Bugman. Enjoy paying off someone else's mortgage plus tip.
>>28679195That's fine. I can think of 100 things I would rather spend money on than a big box for essentially my bed and some appliances.
>>28679113amerimutts are goyslaves that have no real identity, so their path through life is defined by some boomers in the 60s. you HAVE to do x y z at certain ages or youre a failure. your worth is determined by this socioeconomic status.
>>28678259>miatas are dumbMore people race miatas than any BMW so I think you might be coping about your grenade on wheels
>>28680647miatas can't even keep up with my slow daily what the fuck are you talking about
>>28680647More people race rental karts than your Miata so I think you might be coping about your grenade on wheels
