holy kekaroo
>>28779557Our economy is collapsing, hilarious. Gold just hit $4500/oz.Ib4 wrenchers posting "not my problem" like they can afford groceries and top 5% income earners not understanding that their income is degrading too and they are the mew middle class now.
>>28779557I pay $750 a month for a Lexus.I'm working overtime to pay it off this February.Shit sucks.My fault for going on dates and needed a newer car.
>>28779563>Ib4 wrenchers posting "not my problem" like they can afford groceriesnot my problem.I can easily afford groceries.you being retarded and buying new slop has no effect on me.
>>28779623are you that same anon who bragged about spending less than $300 a month on spoiled food
>>28779619lol my Lexus payment was $299 for 48 and it came with lockers. 750 sounds awful
>>28779557Doesn't surprise me. The culture has cultivated a generation of idiots who pay $1200 for a cellular phone just to trade it back in two years for the newer model.
>>28779623Facts>>28779557Stop buying bullshit and they will stop selling bullshit. >>28779563Thanks Trump for defiling our great country.
>>28779619Appearing more presentable to women is most of the reason I'm considering replacing my shitbox. It probably doesn't even need to be Lexus, but just some newer car from a respectable mass market brand.
>>28779704Shit boxes are cheap and great.But it makes women look at you poorly.Cars don't help you, but they can hurt you a lot.
>>28779710>>28779704What kind of vapid whores are you dating?
Basically ALL of humanity are vain stupid retards overspending on dumb shit and in need of being mass eradicated
>>28779557
>>28779557Top 8-10% earner here. We're all fucked. 50 year mortgages, 100 month car loans. Everything requires a monthly subscription. I'm never moving. I'll stay in my small home to avoid a new mortgage. I'm keeping my 20 year old cars up and running as long as possible. Every spare dollar goes to investments, only way to keep pace with COL. They'll eventually jack up properly taxes so high we'll all be renters. Hoping I'm dead by then.
>>28779563>IESLB
>>28779743every woman on earth will get the ick if you roll up in a 30 year old Civic with a stripped interior that stinks of leaking exhaust.
>>28779792Big distinction between a $500 Civic shitbox and a $50k loan trap. You can get a decent looking car for 10-20k. Bitches are dumb, they can't differentiate cars past their exterior shell.
>>28779801they can recognise badges. they may not know the difference between a Maybach and a Mercedes, but they do know the difference between a Mercedes and a Honda. the ideal car for impressing women on a budget is a 10~ year old German saloon. young enough she can't tell it's "old" whilst being old enough you can get them for decent prices. German because they have the most prestigious badges in the eyes of a woman (excluding Audi, that's an autistic car and gives them the ick; Mercedes is preferred but BMW isn't far behind). saloon because it implies you have enough of a social group to warrant the back seats; a coupe makes you look like a loner and a convertible makes you look gay. despite the fact chicks love crossovers and SUVs themselves, they get major ick when single guys drive them so none of the SUV models.
>>28779557>soon 150 months car loans and 50 years mortagegreat future ahead >>28779563the entire World economy is going to shit and nobody does anything, at this rate we will hit Weimar Republic economy in 10-20 years
#winning
>>28779847what if I told you we hit the Weimar-levels of societal collapse 30+ years ago and things kept getting worse?
>>28779832>the ideal car for impressing women on a budget is a 10~ year old German saloonI was thinking this exactly. Those cars still look new today and won't bankrupt you either. I disagree on Merc > Audi but that comes with regional preference.
>>28779704Get an used honda civic; remove the front hood, spray paint the engine cover red; and punch a couple of holes in the muffler with a screwdriver. Bitches love bad boy street racers.
>>28779862Audi have that techbro stink like Tesla, at least in the US.
>>28779877Not at all like that in Europe.
>>28779888Audi never had real market penetration here, so the only people who were aware of them were autists. similar to anyone who bought a VW after about 1983. in the US, Audi drivers are basically Subaru fanboys with more money.
>>28779557Just paid off my car 3 days ago. Never again.
Americans don't have a proper shitbox culture. They can't drive shitboxes because they're stupid to do oil changes and there are no car inspections either. So 5+ year old cars in America are ticking bombs. In Europe it's fine to buy a 5000 Euro shitbox and it will probably last you some years and be a fairly comfortable experience. That kind of money gets you nothing reliable in US.
>>28779925lmao have a (you)
protip: Normies care about the experience of buying something more than they do the actual product. Especially boomers. This is what has driven American, and to a lesser extent western, sales culture for the past 80 years. The monthly figure is an irrelevance, they know what they can pay for. It’s all about tricking them into thinking that they have somehow benefitted from the transaction or have been made privy to extras that the rest of their peers haven’t. The normie doesn’t think about $750/600 euros/£500 a month going from their bank account. They think about how they got the extra paint protection thrown in which would usually be $30 a month, or that their wheels are covered for scratches during the whole payment period. The warranty comforts them even though they will never, ever honour it. It’s about knowing that you have got a “deal”. The details of this can be relayed to their peers, all of whom got some other similar “deal” but are still jealous because they didn’t get *that* deal. Cash buyers are similar. They think their cash impresses the salesman. It does not. He doesn’t care. He isn’t mystified by your cash. He sees huge sums of money change hands daily. “But I’ve got cash, you could sell it right now.” tldr if you have an above room temp IQ you will keep car buying as quick and painless as possible for everyone and treat it like a dentist appointment
>>28779623>so what if everyone gets into unsustainable debt it doesn't affect m-..
>>28779949Didn't this result in people with money being able to buy houses for practically free? So yeah when these idiots default on their loans, their products will be auctioned out for next to nothing.
>>28779557Buying a truck with cash next week, $30K.
>>28779950Not as such. Even if you aren’t in the same agreements as these retards it will still hit you hard, because companies are going to go out of business and unless you have a huge amount of separation from pretty much every financial institution on the planet you’re going to feel it badI don’t have a credit card. House is owned outright, thanks to inheritance. I’ve got some money spread about and I don’t owe anyone anything. But when something like that happens I’ll probably see quite a few things I have stakes in evaporate. The only people that really do well out of these situations aren’t celebrating Christmas today, if you know what I mean
>>28779950The government will reach into your pocket to bail out those loans. Bad debt is bad for everyone.
>>28779955That's a very simple take on it. Finance is so more chaotic and complex than if line goes up or down. Just look at this past decade of BNP and stock market sharply pointing upwards but all that gained capital is accumulating in a tiny minority of people. A loan/debt crash like the one in 2008 would result in a much needed reboot of the economic loan system and it would also drive prices down. Because make no mistake, without loans it would be exceptionally cheaper buying a car or house. The loan system has resulted in dumb Amerifatso shitheads living well past their means. The system cannot go on like this. The 2008 crash was a stark reminder what happens when there are zero barriers or qualifications for big loans. It's also a severe injustice to whoever is working hard and saving money.
>USA zoning laws
>>28779563Uhh actually trump fixed the economy which id why they don't publish unemployment figures anymore I'll just buy groceries with my $1776 freedom cheque
>>28779557The American Way®
Wow it really is weird that every American poster here is a chad cash buyer or only finances because they have so much money in STOCKS that they finance because it makes sense for them
>>28779986Nobody does, everyone here is a LARPer and drives a Civic or Camry. Most are too lazy to get their asses under their car to fix shit so they just send it to the nearest chain tire shop that also fixes their squeaky idler pulley.Anyone who makes anything in the 6 figure range isn't wasting their time on a forum whose enthusiast community left years ago.
>>28779929Nah he's right. Apart from the obvious cases like a bimmer if you buy a shitbox (£800-£1k) it'll last a good couple of years. £5-7k will get you one that'll last ten years.
>>28779860I would think you're focusing on the wrong part of Weimar germany
>>28779925I bought a $5000 car and it's excellent and aught to last a few hundred thousand more miles
>>28779986Don't forget schizos with their dads old BMW
>>28779563When I was young I wanted to be rich. Now I want everyone else to be poor.>le economy is le collapsingGood
My car payment is $1098 a month
My payments is ~15% of my monthly salary. It doesnt affect me at all.
>>28779557Thanks Trump
>>28779557>He only finances $1k a month
>>28780111>GAP: noinspect element ragebait
>>28780115>Inspect element a banking appOkay bro
>>28780056Nice projection.
>>28779792Not really mate just keep it very clean
>>28779832>>28779862Get that junk and you won't have the time or money to date.>>28779875This meme advice is better than a badge chaser farce.
>>28779954Chad
ripping off some loser next week, getting 30k for my pile of rust
>>28779947t. sleazy salesman trying to persuade everyone to just give up and bend overyou guys use every try-hard effort, dirty trick, slime-ball tactic possible to relieve us of every last penny possible. it only makes sense the customer should fight back just as hard, if not harder (aka mass minecraft the entire automotive industry--if we can't have it, nobody can!)
>>28780120what kind of car worth that much?
>>28779832She'll see the old infotainment and know you don't actually have an expensive car.
>>28780111You’re a hotshot trucker financing a new f-350 aren’t you squidward
>>28779699Even worse. That's a global phenomenon nowadays.
