Im saving up for a new truck.
>>28820387$17.00. I'm gonna buy a Miata and V8 swap it, obviously.
i usually just buy 600 dollar cars.
>>28820387Are you actually saving in physical cash or is that just a picture?
>>28820393Thats my real savings.
>>28820387I don't save for a car. Whenever one dies I just use whatever cash I have for a new one.
>he has to save to buy a car
>>28820402lel now post ur bugatti and call them 'brokies'
>>28820396Are you a stripper, sir?
>>28820410your mom danced on my pole, if you catch my drift?
>>28820419You are the owner of an exotic dancing establishment and an Albanian gypsy woman named "Yor Momm" worked there?
Do people actually bring bags or briefcases of cash to car dealers to pay for cars? Sorry if this is a stupid question. I also hear about "all cash 400 million" business deals, are there actually 400 million worth of dollars in circulation to do that?
>>28820438No, it's very uncommon to pay for a car at a dealership with paper money nowadays.These days "cash" just means the money is liquid and in your bank account, i.e. not financed or tied up in some asset.
>>28820410No i am a firefighter paramedic/ boat mechanic.
>>28820438It's called a certified check from the bank
>>28820438No dealer will accept or take cash entirely, why ???? Because there is no money to be made if you dont pay interests by financing car through lenders and dealerships.
>>28820387i was saving to buy a tacoma in cash when they announced the redesign was going to be in 2024, so in 2023 i bought one with 35k cash down and financed 10k. brought the cash to the dealer.
I've got $7750 that can also be used for large repairs. Hoping to hit $10k this year.>>28820399This is too stressful
>>28820387I financed my Is350.Worst mistake In my life.Even worse than that time I lost my virginity to a girl who was 170lbs.Been working double shifts for $$$Car Should be paid off by July.
>>28820387You realize every day you hold cash, it loses value right?
>>28820464No. They will take a cash offer. They're just not going to give you a deal.
>>28820464yes they will. once you get to financing you can negotiate the price and have them agree to it in writing. once they ask what your down payment will be you just say you're paying in full. i just did this earlier this month.
>>28820651No you didn't and you're just parroting retarded shit you saw on reddit. Dealers will talk about financing before settling on numbers to sign on. They'll smell you out from a mile away when you try to skirt around talking about financing.
You're a retard. Bought 2 cars last 3 years with 0 dealer financing.
>>28820665I bought 5 in the last 3 years
>>28820653They'll still sell to you desu
>>28820669Yes. They will sell to you. But you aren't going to get the same kind of deals as if you financed through their partnered bank.You're not going to trick them into giving you that deal then at the last second pull out your trap card that you're paying cash up front.
>>28820617Sex with fat chicks is great. They're like, super grateful so they'll do stuff that pretty chicks won't.
>>28820653but i literally did this 3 weeks ago.
>>28820852I think that comment is pure cope.Better looking girls will do the same things you ask.Women in general, will do all sorts of things if they actually like you. I'd also like to point out that girl was 170 lb but also 6 ft tall.So not thin, but not as bad as a 5ft2in tall girl at 170lbs
>>28820968>>28820387I'm gonna call the DEA on you
>>28820979shit they already know about it. I'm C.I. I'm protected.
>>28820387>>28820968>holding that much in cashwhy?
206k. Last week I asked about looking at something other than a 458 and was called a larp instead. Guess I'll drive around this summer in my ferrari larping.
>>28821048Ok. Post some sort of proof of your savings.
>>28821053Why?
>>28821067When mental/emotional issue do you have?
>>28821074esl detected
>>28821079Ok larp boy.
>>28820609What kind of repairs cost $7k?
>>28821093what
>>28820387$0, I already have a car
>>28821046>why?Why not?
>>28821094An engine swap maybe? It's not exclusively for repairs and I'd rather not use it for that, but I can if needed.
>>28820683Yes but you might be able to swindle them into drawing up favorable loan terms with no prepayment penalty if you can convince them you're a creditlet, then turn around on the next business day and pay off the whole loan.
I am anticipating the death of my current car, because of which I have dedicated a €3000 fund which I will use to buy its replacement. Most likely it will be a Subaru Forester, Outback, Volvo S80, V70 or an Audi A6. Not sure yet, will have to see what the market has to offer.
>>28821790Post tits
>>28821794I'm a man, I just want a cheap petrol car that can tow a decently heavy trailer.
>>28820387>saving up
>>28821790Forget about the Subbie and Audi, go for the Volvos.
>>28821838Why specifically? Don't say reliability, I've experienced enough to realize that it's a complete gamble when you're buying a car with 400k km on the clock. A Fiat has been the most reliable car I've ever owned and I've had two Toyotas before it. It's fucking random.
>>28820968>in 20swhy?
>>28821782If you really want to piss off a dealership and its financial team do that during the end of the month and negotiate a price.>2022 4runner trd pro sticker $55,700>pulled up to a dealer in june 27th.>negotiate cash offer thats ten thousand dollars less in cash (i had the $55k)>denied>larp about down paying and financing it.>they run my credit , my credit 825%>nag on about price and down payment.>$6000 down and the vehicles final price is $50,700 no fees or any other bullcrap.>did not accept the offer until i came back on the 31st and drove it home.>paid the first two payments.>then walk in to the dealer and paid the >entire car off in full on my fourth installment.The guy that sold me the car was passive aggressive towards me and so was the financial manager guess they expected me to end up refinance it and pay more interest making a $50,000 dollar far in to the near $80,000
>>28820450Awkward conversation if your house burns down and destroys all your cash then
>>28821914Based? Not sure if this is true or not because you could've just paid the loan off online. But if you pay off the loan before 3 months their kickback gets taken back by the bank kek
>>28821921Why pay it off online?? i had the money in physical form , the whole point was to pull a fake bluff and get them to sell me the car for less and not pay any high interest or extra cover costs on a brand new car i fucked them over. If I wanted to i could have taken it to another headquarters toyota or car max and trade it in or sell it for the standard msrp of 56k or 58k on a zero mile car.>But i like it.
Simply bought what I thought was interesting since wrenching is not an issue
>>28821914>>28821943>have wanted a 4Runner since I was a kid and sat in a 2nd generation one >3rd gens are rusted out >no one wants to get rid of their 4WD 4th gens because they won't die>5th gens probably haven't budged in price>6th gens are pozzed turbo-4s waiting to ACK themselves
>>28820935So what's your gripe? That you had sex with an average woman? Fucking 4chan. You're either all virgins or completely deluded about sex.
my credit score is sub 200
>>28821943dealerships deserve to have their noses rubbed in it. i'm so sick of businesses adopting usury as a business model instead of focusing on moving products.
>>28820396I backtraced your ip address and I'm going to rob you
>>28820456And how are you enjoying your Volkswagen Tiguan, sir?
I just finance because my goyscore is 790 and my local credit union loves me.
>>28820387Mid six figures, but I'm not buying any more vehicles, just putting some away for a rainy day.
New as in brand new or new as in my next car? I'm about to probably spend $10k or my first "real" car. I've only driven shit boxes my whole life
>>28820387I keep 5K on a savings account. It's either an expensive repair fund (engine/transmission replacement tier) or as a down payment for a future car. I could get a car for 5K still in this day and age, it's just gonna be a 15-20 year old car with 200K in the odometer.
>>28823503you can get a car between 150K and 100K miles for 5 thousand.Motorcycle economy is wild. I bought my bike with ~3K miles on it for $4500 then did ~18K miles over 2 years riding casually.Every bike I see for sale that is reasonably priced has low miles and in decent condition, on the other hand there are people asking more (and too much) for clapped out sport bikes
I'm trying to get into a 1999 chevy cavalier, preferably a 2 door coupe
>>28823516https://www.youtube.com/shorts/T85C4MT9nfU
>>28820683Can’t you literally just agree to the stupid loan then immediately pay it off in full the next day?
>>28823525I'm a little interested in this question. I'm buying an $11k car from a Toyota dealership next week and I'm wondering how I can scam them before they scam me. I could buy it cash easily but what tactics could I use to fuck them over?
>>28823525Loans will usually have a penalty for paying off early.There'll be terms for when you can pay it in full.
>>28823516You made me look up info on the average net worth to see whether that was high or low... Looks like you are doing pretty good and have your priorities straight by buying a sensible cheap car. Good job anon.
>>28823535Thanks, although I think i can maybe stretch my budget and buy a chevy cobalt instead. it is a bit newer and safer, but idk if brokies like myself deserve that luxury.
>>28823518Funny. Thanks
EBAYYYYYYYYYYYYYY MMMMMMMMUTHAFUKKAAAAAAAA
>>28820387casharyan
>>28820387inflation is raping your savings
>>28823534Most do not. Always read terms.
>>28822110This describes the entire Toyota lineup nowadays
>>28820387I'll bank up $20k-$26k for a car this year. As of now, I cannot affect change on the market forces of retards with EZPZ mega-debt. They just don't get rejected for loans anymore.People are still happily selling their souls for double-digit APRs and over double the total cost of initial purchase on a used car. I just need to wait them out long enough for them to become too broke to finance anything more than a Costco hotdog mid-year. I'm sure the extra 4-6 months of depreciation will also help with making the car more affordable.If the car falls through, I'll have plenty of reserve cash.
>>28823709>This describes the entire Toyota lineup nowadaysI thought I'd be safe with a slightly older vehicle but even Toyota's 8-speeds are under a class action lawsuit because they run too hot and asplode. If I want to avoid them, I have to go 9 years old or older.
>>28823525external financing services can have penalties if you pay loans too quickly, sometimes its reasonable like a $500 ~ $5000 flat fee or in more absurd cases: up to 40% of the potential interest
>>28823718Eh, they're starting to get rejected now. But the first ones you're seeing getting rejected are the ones who were getting 8 year loans but they trade in every 3 years so now they're at $50k+ negative equity
>>28823709This is why I didn't mind the criticisms that their drivetrains were old or out-of-date.
>>28823528First of all, is you want to fuck them over just don't buy from them. I dunno why people waste their time with dealerships if you're going out there with the explicit objective of being a dick, it's all "Don't argue with stupid people cause they'll just bring you down to their level and beat you with their experience" tier energy.Second, you don't fuck over a dealership with money, but with time. You show up, put up a country bumkin act of "Oh, I dunno what ya'll have here in stock, why don't we look at it all" and ask to test drive some cars, all different, let the salesman walk you through some options, hem and haw, ask to test drive some more vehicles, and then walk away, just take over that salesman's entire day. Just delay and hinder the process all the way until you make your purchase. If you can leave and do this over multiple days it would be even better, have them call you to see if you're still interested in buying a couple days later and repeat the process.
>>28823534>>28823739Depends on the loan, most banks and credit unions will just allow you to pay off early, just check the fine print.Car loan companies like Lightstream? some definitely are jewish about it, some are more like banks. once again, check the fine print.Dealership financing on the other hand always, always, always has these sorts of penalties, The usually have a time clause, like you can pay off the balance after 18 months or 2 years, but it's always there.
>>28820387I'm done saving up for cars, I already have a manual Mustang and a comfy newer Merc suv.Saving up for an Omega Seamaster instead.
I have $110,000 to spare but don't know what to spend it on. I want to get a nice car but I don't have a garage.
>>28824021Spend it on a garage
>>28824027But then I wont have money for a nicer car. Such a conundrum.
>>28823600What kind of places would you recommend to put money that would actually keep up with inflation? Cds suck. The stock market is gay. I guess you could take the cash and purchase silver or gold, but even that kinda sucks when you find something you want to buy and have to convert back to fiat in order to do so.
>>28824044reits since you think the stock market is gay
>>28820438I brought a $10k bank strap of $100 bills to the dealership when I bought my last bike. I thought the salesman's eyes were going to pop out of his head when I started peeling bills off to pay. He had to go find the owner of the dealership to make change since he only had $30 in his cash drawer. It was funny.
>>28820617I lost my virginity to a girl who was 175lbs, but she was 6'2" and played volleyball. We parted ways after high school, but I still miss my Amazon.
Wanting to purchase a new rav-4, is this enough?
I lost a btc wallet that had 11,000 in it, which was mined on my then top end GPU for fun, 15 years ago because I decided that shit was a joke.I almost killed myself when BTC hit $1,000.Imagine how I feel now.
>>28824058So say I invest 100,000 into a reit and end up making 1000-4000 more over the year. Why? If I needed an additional 1000-4000 I could just keep back 1 or 2 more head of cattle and calve them out. Or sell some hay, or sell an old pickup I have sitting around that I'm not using. And then I can have access to my cash when I need/want to purchase anything without paying the middle man every time I want to transfer funds.
>>28820464>went to dealership to buy new car>dealer asks what my credit rating is>say I have no credit>they tell me they can not sell me a car unless I get somebody to cosign>I say I plan to buy a car outright>they don't care and say I need to leaveI hate stealerships so much. If they can't nickle and dime you they don't want your business. I just want to pay the fucking sticker price on a car and be done with it.
>>28824112You’d be a billionaire
>>28823920Based>>28824112It's still a joke. You would've sold at 20 or something anyway. No way you would've held it until 100k.
>>28824044High interest savings account. They usually have width drawl fees of around $40. They pay me like $70/mo for an account with $20k so it makes no difference to me
>>28824168Kinda where I'm at as well. I'd rather not have the Jews doing their Jew stuff with my money than have a few thousand more bucks per year...
>>28824139Cash buyers are also usually a pain in the ass and waste of time in other ways
>>28824150Kino watch
>>28824136uhh yeah i guess you could do that too but it doesn't require you to have 100k liquid.
>>28824218Too bad Omega bracelets and clasps are shit. Nice seamaster.
I will never spend more than 3.5k on a vehicle. I bought my current 09 SUV for 800, and wrenched it working for a total of less than 3.
>>28823743>they trade in every 3 years so now they're at $50k+ negative equityI just don't understand that mentality. I can also think of a lot of things I could do with $50k+ that isn't a total normiemobile.I'm just waiting for signs that people aren't going to blow their tax return on a car, or if they do, they still can't get into a car. Dealers are hiking up prices in anticipation of tax season.Sometimes I wonder if people only exist to pump up GDP, but at the same time, they have negative economic worth. Essentially, their contribution to society is a net negative.
>>28823889>"Don't argue with stupid people cause they'll just bring you down to their level and beat you with their experience" tier energy.Not quite. It's more of a "dicks fuck assholes" kind of approach, Team America permitting.>waste their timeThey weren't making money either way, so the outcome is no different than waiting for a customer to walk in.
>>28824386This used to be the standard /o/ experience. Looks like nu-/o/ leans to wrenchlets though
>>28824172The "Jew stuff" is actually the fact that you're getting poorer every second because of inflation
Wow your cool
>>28824497>The "Jew stuff" is actually the fact that you're getting poorer every second because of inflationWell yeah that too. But why would I also give them my money to use as they see fit so they can make even more money off of it?
>>28824044HYSA, t bill ladder, or SGOV for no state income tax.
>>28824597Your loss.
>>28824663it's a bubble
>>28824663So you gained 3 grand in 5 years?
>>28824677how would you feel if you didn't eat breakfast this morning?
>>28824679>how would you feel if you didn't eat breakfast this morning?Fine.
>>28824597Because you would gain. You're purposefully making yourself and your family poor by not participating in the financial system. You are unironically letting da jooz sabotage you
>>28824172I have 26k in my checking account with no savings account whatsoever. too lazy to open a hysa and what if I wanna buy stuff ya know
>>28824895How often do you need a lot of cash? Why not move 20k to a high yield account and use credit instead then pay it off with savings? I'm happier with that approach than a simple checking setup. I can move the money within a day or two if I need to use my savings, build credit(pointless for me but nice) and like the other anon, get $70+ a month in interest.
>>28820387I could buy a couple fully loaded trxes. However I don't want to go through the new car buying experience again. Dealers are way to obsessed with pushing lot stock instead of just fulfilling the order I want.Not sure what I'll get next, probably not for a very long time. I've put about 28k on my truck in 6 years.
>>28824677The fact that you can't read that chart is funny. You would've doubled whatever money you had in the sp500 in 5 years vs the 4% hysa you actually earned
>>28824948Why buy an expensive truck from a dealership and not a private luxury auto seller like the collection for example.
>>28824953Yeah but you "doubled" 3000 dollars... Not even worth it. I have a probably around 60k in cash a 98k check sitting in my gun safe that I haven't deposited yet. Another probably 80k in my business checking account and 25k in my personal checking account and yeah I have some in the stock market too. >>28824895>I have 26k in my checking accountSon I spend more than that on fuel in a year.
>>28825300hey retard if you had that $238k in the stock market 5 years ago it'd be $476k now, what is there not to get?
>>28825302>hey retard if you had that $238k in the stock market 5 years ago it'd be $476k now, what is there not to get?I use that money to make more money. I spend less than 238k 5 years ago and used it to make around 250 per year for the past 5 years. What's not to get?
>>28825341wow you got your cdl and bought a truck. now put your money in a roth ira so you can retire early.
>paying more than 50k for a carshiggy diggy my niggy
>>28825425Very pretty plane. Bet the six pack is all steam gauges. I want to buy one but I would prefer one that has and an IFR swap done already.
>>28825302>if you had that $238k in the stock market 5 years ago it'd be $476k nowAt that point it's not a car machine question, it's a money machine question. The car got left behind at the $100k mark.
These financing threads really do show you how dumb the average poster on this board is.
>>28825425kek. "here's your 60 yr old antique airplane bro! dont forget to rent the hanger, schedule your annual, get some insurance and tip your mechanic! Oh, fuels $6/gal so make sure you top off at your local fbo before your trip! Have fun!"
>>28825368Nope, not a trucker, but I am gaining assets at a ridiculous rate. I'm not investing that money in stocks, but rather investing it in my own future. Little bit of sweat equity along with that money will return at a rate way higher than any other investments could ever dream of.
looks based
>>288203870 dollars since i am going to keep my inherited car for the next two decades
>>28826043You are so deludedt. Gained 400k in equities last year
>>28824038Spend half of it on a 2 car garage and half of it on the car
>>28820387Starting to plan to save up.No clue how much overhead I'll need for tax, insurance, tyres and servicing after buying the car.
Don't plan on buying a new car for a while. Dumped 10 grand into my car I blew 27 Grand on. I plan on driving it until the wheels fall off.
>>28826325How much did you have in the market at the beginning of the year to gain 400k in equities?I'm not arguing that a person can't make money in the stock market, I'm saying that it is stupid to invest small sums of money or money you will be using for business purposes soon. Why would I buy a bunch of stocks with all my money on Monday and then immediately pull it on Friday when I need to pay my bills? That would be pants on head retarded.
