fucking frog posters dude

>debtmaxxing
>would rather spend than save
>8 year term loans for low monthly payments
>lease rotation
lots of reasons anon. not sure why you're confused by this

>>28897299
>I still can’t really justify getting these
That's a you problem, pal. You can't justify it. Other people can. You can't figure that out?

>>28897299
Move out of the big blue city.

>>28897299
>$130k
Mhm, sure you do. Everyone on /o/ makes 6 figures. Everyone on /fit/ is tall and hung. inb4 you "prove me wrong" with inspect element edit of your savings account.

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>>28897299
Debtmaxxing retards. I'm not American, but allegedly the average new car payment is like 8-900 bucks a month. Imagine spending that much money on a new car every month when you can just get a good used car instead and save all that money.

T. Used car enjoyer

>>28897299
Eh just drive a shitbox for a while. I drove a 2002 Corolla until I was 35while maxing out roth ira, 401k, and had a taxable brokerage account. Bought a house at 36, got my Porsche at 37.

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>>28897344
130k puts you around 85th percentile, about as common as having a rather pedestrian 115 iq - 1 in 7. so every 7th person that OP drives by on the road makes more money than he does. pretty easy to explain what he's seeing.

>>28897344
Thanks to inflation 100k isn't as much as it used to be. I make over 100k delivering packages. A lot of blue collar manual labor jobs pay that much now.

>>28897299
What kind of job do you have, anon?

>>28897457
this is the unfortunate truth

you need to make at least 400-500K a year to feel "comfortable" these days.

bullshit makework jobs pay 160-200K + bennies. if you are a huwyte "male" making <250K, you are invisible to women because every other "real man" is making more these days. random roofing business guy, nerdy dentist guy, corporate finance guy, tech programmer guy, you name it.

blame inflation

>>28897476
this is retarded and only applicable if you live in the heart of SF or maybe NYC.

>>28897491
It is but women unironically believe it.

>>28897344
>$131,000 in 2025
>6ft5in tall
>11.2% BF 192lbs
>7.1in dong

Too bad I rolled a 1 in the communication box.
At least I get to date turbo tall ugly /fit/ women.

>>28897299
I sold CDJR and Hyundai, because I’m a big fan of two things: Quality & reliability hahaha.

At CDJR we barely got anyone financed for ANYTHING. We did a fair amount of fraud, IE saying their shit box was worth an extra 10k and using that equity as down payment lying about income if their score was high enough, ect ect.

But 95% of the people we sold cars to could barely make the payment let alone insurance. making the payment is way different than actually being able to afford the payment and most people are too financially illiterate to know that.


Except for business owners buying 3500’s and retired real estate people cashing out on jeep Wagoneers, they can’t afford it anon. they’re gonna be five years into an eight year auto loan and they’re still gonna be $25,000 upside down with a totaled shitbox and send it back to the bank

>>28897299
because annual cost of ownership is all that matters and people with good credit can get 0% loans, which is free money. a new car over 20 years probably costs about as much as maintaining several shitboxes over 20 years.

also probably stuff like >>28897544

I make $0 a year and drive a car that cost under $5k. It's the exact car I wanted and makes richfags in their gray monstrosities seethe (seriously) because it's small and beautiful.
What does driving a new SUV do for you, anyway?
Impress yourself, be confident in what you have. People respect that more than someone actively trying to impress everyone.

>>28897299
>I live decent after maxing out my roth/401k
On one hand, you're living within your means and (probably) not driving yourself to financial ruin. On the other hand, you sacrifice the quality of your life in your prime saving for a future that may never come (or even if it does come, it will be when you're old and no longer able to enjoy all the things you missed out on earlier).

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>>28897299
They're buying more car than they can afford by taking out longer term loans until the monthly payment is small enough to afford, and retardedly ignoring the "total of payments" box at the end that shows just how fucked without lube they're getting after interest.

>>28897299
$130K might not be much, depending on where you live.

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>>28897299
>bro is single
You're not incomemaxxing if you dont have a shared bank account.

>>28897646
>$300K beaver teeth
surely this isn't real

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>>28897646
Do people really?

>>28897646
>>28897660
it's not real, it was debunked years ago. none of the figures in the image make sense when when actually do the math.

>>28897299
>I still can’t really justify getting these $50k-$60k vehicles
that's because you don't like cars anon, it's normal

>>28897568
0% loans have the interest baked in the payments retards, don’t believe me calculate the loan total. Also insurance for new car is more and the FV of investments are better than a loan payment.

>>28897299
Here leases are very common. Pay $500 a month, get a brand new car for three years and then rotate. I have landed on this being ideal for me as my taste in cars is too damn expensive anyways. It's either buying a barely used car for 35k (with a small chance I might end up footing big repair bills) or just lease and be rid of the headache and a big loan that might fuck you over eventually too.

>>28897299
The vast majority of new vehicles are leased. A lease payment on a $60k vehicle is like $400/mo. You probably spend that much on other dumb shit.

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>All these people around me in leased luxury SUVs trying to act rich to random people
>Locked-in to indentured servitude to pay lease (same thing with loans)
I'll enjoy my paid-off manual rwd, thanks. I can quit my job and just do whatever, I've got no one to pay off.

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>>28897299
It's because you have poor taste in cars.
The cars you like are depreciating debt bombs, therefore there's no chance you can afford them.
If you had good taste in cars, the cars you buy would maintain their value. Some might even appreciate. Your total cost of ownership becomes quite affordable.

>>28897299
You just sound extremely frugal.

My friend is a truck driver and clears between 90-130k depending on the year and what company he's working at. 2 years ago he bought a brand new LS500 that cost $90k.

Granted, he traded in his 2017 Toyota Avalon with 60k miles and he got like $25k for it in the trade. So he really only paid/financed around 60kish of the LS500. But still he was able to do it at your income. Car is fully paid off now. Not sure why you can't manage that

>>28897859
>manual rwd
god i miss having a manual. but i've got a buddy with a welder and other serious car tools so if the gearbox in mine blows up i'm gonna manual swap it for sure now that i can fab up custom parts.

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>>28897865
This is my gen 4 viper. I bought it in 2023 for 55k. It has had zero significant mechanical problems, and costs me around 200$ a year in maintenance averaged out. My insurance is 500$ every 6 months. Accounting for it's mileage, it's currently worth approximately 95k. My car equity has likely outperformed your stocks, plus I've gotten to enjoy driving it on HPDEs, rip around town, and impress cute girls on dates.

>>28897859
you lease because you make so much money per hour that dealing with car problems even once is a massive waste of your time. that's why your'e supposed to lease, anyway. people talking about "wrenching" and their paid off car just reveal that they don't value their time that much. you're on 4chan so that's a given.

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>>28897877
>you lease because you make so much money per hour that dealing with car problems even once is a massive waste of your time. that's why your'e supposed to lease
See? You think you're rich and smart for it. That's how they get you.
You pay $20-30k to have a car for 3 years (plus lots of fees!). I paid $4k for a car I like that is much cheaper to maintain than newer cars. It does not give me problems, I've had the same model before with over 300k miles.
But no, you're so rich, pat yourself on the back you winner, you! Go out and lease some luxo SUV, you earned it!

>>28897877
This. What's the point of earning the big bucks if I'm going to live like a rat? I'm getting a lease on a fully kitted new car and then get a new one after. Besides, a good lease is far better than taking a loan with interest for a car. Chances are you spend just as much if not more on depreciation + interest with the added risk of owning the entire risk of the car.

The equation becomes even more lopsided towards leasing when investing the money in stocks is basically free money.

>>28897877
i value my time and i like wrenching, if i could i would wrench all day and then drive the cars i wrenched on. lease and debt is the dumbest thing i ever hear off, when someone say
>my cost is "only" 800/month
i instantly think thats 800 i dont have to wageslave for since i wrench on my own old cars. heck i can buy a 800 car each month.

>>28897936
>i instantly think thats 800 i dont have to wageslave for
This. It's freedom to not *have* to earn money for someone else.
I remember the '08 market crash. My entire facility got closed down in '09. If you were holding on to a loan or lease, and had kids to feed, and hadn't paid off your house you were screwed.

>>28897902
It's just arithmetic. If you earn $500k/yr then having your day blown up because your car is acting weird is like $2,000 lost + the repair bill. That's why people with money lease. also a lease is like $4,000 per year. you're trying to justify buying a shitbox because you're insecure on 4chan. grim.

>>28897936
yeah, and a mechanic earns like $25/hr, which is what you think your time is worth

>>28897941
>>28897936
Well it's similar mentality as rent. Sure owning and having your apartment paid off is more ideal. Or you can go rent somewhere in the ghetto for $400 a month. But eventually you need to put life quality in this equation too and not just money. If someone earns well, is he smarter for living in the ghetto with his clapped out shitbox or is he smarter for having a nice apartment in good neighbourhood with a luxurious leased car?

All this depends on how much you value quality of living versus saving. In the end, money is just a tool to gain higher comfort of living.

>>28897950
sacrificing your QoL while you're young to save money for when you're old is absurdly stupid. your QoL ceiling drops dramatically as you age, which is why old wealthy people would happily give away 99% of their fortunes to be 30 again. people thinking debt is bad just don't understand this.

>>28897963
Yes that is exactly my line of thinking too. You're only young once. And if you're in your 30s with good monthly income and stable job with a diploma to back it up, with decent savings then it makes no sense living like a poorfag just so you may get that car of your dreams in your 50s. Old people give away all their money to their kids anyways. They have no joy in spending it on shit. They're content just being left in peace.

>>28897941
just a few weeks ago my work van had to go through the eu inspection and they found a lover front ball joint was completely shot. a bit of f suprise for me, it was totally shot and i didnt notice.
they quoted me 350€ to change it and i was tempted do do so, but a gas station tireshop friend got the part on the day for 50€ and we replaced it in 40 minutes that evening. god i love northern no salt cars, every bolt and nut just came loose.

>>28897967
If you want to larp like you're super-rich and drive some boring SUV, go ahead. You'll pay 25x what I paid for a car I like, and I get to keep mine.

>>28897975
You can lease some pretty fun cars too, not just SUV grocery getters.

>>28897299
youre gay and boring

>>28897306
worse
a slop frog poster

playin numbers or leasing till they run out of money and ditch it. do another in another name. another less known one is wrecking it and buying it back at auction. usually by a mechanic. sell for full price to send to poland. they have like no laws against salvage titles.

>>28897346
Seventh post best post

>>28897299
Don't let vanity control your money

>>28897476
>you need to make at least 400-500K a year to feel "comfortable" these days.
Might be the most retarded post on this board right now.

>>28898023
And don't let cheapness fool you to the grave. Be reasonable but also have some fun while you're still alive and healthy.

>Sure let me buy this used car for 30 grand that you and your nigger bred kids have fucked and shitted in
No thanks a lease it is.

>>28897299
i make $150k and drive a 10 year old mazda 3 with minor hail damage and clear coat that is beginning to peel. i rent a cuckpartment because it's cheap. many of my neighbors drive $50-60k goymobiles and they undoubtedly make much less money than me.

>>28898156
It's just that easy to make someone work for nothing.

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>>28898156
>You're better than black people, right. Sign up for a $30k lease (rental) where we'll punish you if the surveillance telemetry says you drive too hard.
Nothing says being rich like leasing, renting, and loans! You want to look rich, right! That's very important to your life, you see.

>>28898160
>>28898163
Yes luxuries will cost you. I'll drive a brand new car knowing it isn't full of errors that have been carefully hidden just before a sale and will make my days after a living nightmare. But you do you. I heard the used market is a splendid place of great deals these days!

>>28897389
if this is true then why are mutts complaining about being poor and being unable to afford anything

>>28898164
>Luxuries
They got you hook, line, and sinker.

>>28898164
>I'll drive a brand new car knowing it isn't full of errors
max IQ to believe this?

>>28897299
Niggas be debtmaxxing and not even thinking about the future. I'm in a field where making low 6 figures in europe is normal, me and my colleagues are making 100k to 150k after taxes yet some are still living paycheck to paycheck and going hard into debt and not thinking about the future.

>>28897948
i charge 65-100 € an hour.
>>28897963
debt is bad, always. if i could erase all my stupud car debt i would. imagine wasting your 20ts paying for a car.

>>28898200
Debt is not always bad. Going into debt for frivolous spendings like cars and PCs is.

>>28898199
What future? You're in your prime years making big bucks. Why not enjoy the times?

>>28897877
>you lease because you make so much money per hour
this only applies to people who make good money i.e., not salaryfags or hourly laborers.

>>28898203
Debt is always bad unless you need it to live and function.
Getting a loan for a $60k german CUV when a $10k used RAV4 would cost less to maintain isn't a necessity.
Americans are told that buying fancy shit makes them "better" so everyone does it and goes into debt. It's modern slavery especially since the average single person makes less than $40k.
They created a credit score system to make people who get loans more and pay them off see the number go up. "I worked 2 jobs to lease a nice Mercedes but damnit my credit score is high - I'm SO smart"
They make you feel smart so you work for nothing and think you're doing it right.

>>28897299
People don't think about finances anymore, just coonsume. Work colleague went over 100k(more than his entire yearly income) into debt to buy a brand new Range Rover. My uncle borrowed hard to build a second home for his wife's child (bot a joke). A friend spent what he makes in 2 years on a fucking Opel because he really wanted a new car.

>>28898209
Debt is not always bad. Going into debt for frivolous spendings is. Buying a house is good, buying land is usually good.

>>28898205
Funny you say that since one of my colleagues retired a few months ago and realised how fucked he is since only a small part of our income is "salary" and counts towards the pension.

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>>28898221
Word. Debt can be used as leverage. It can be pretty bad for the normal retards, so it is safer not to recommend going into debt.

>>28898221
buying a house is good if you plan on living there for 10+ years AND the area doesn't get worse during that

There's nothing special about buying a house. It's a forced checking account(i say checking account because they basically follow inflation and you'll spend those returns on repairs taxes mortgage interest etc so there's really no return on owning a house).

If you already invest your money, there's no reason to lock so much money into something like that. Owning a house costs the same as renting. the only cost to renting is the landlords labor for dealing with repairs etc himself and whatever profit he may or may not take. this is all stuff you're paying when you own a house.

>>28898287
People usually live in the house they boughted

>>28898303
>no point in ownership goy, just rent

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>>28898303
if you have hobbies that necessitate a workshop or you like gardening/lawn care, then it's probably worth buying a home because doing otherwise means living an unfulfilled life in cuckpartment hell.

if you're a soulless bug-like person, the type to be earnestly excited by a new build town home, then i agree with what you wrote. no point in buying a (town)home, might as well rent a cuckpartment and invest the rest.

>>28898303
>Owning a house costs the same as renting. the only cost to renting is the landlords labor for dealing with repairs etc himself and whatever profit he may or may not take. this is all stuff you're paying when you own a house.

inb4 "how am i paying a landlords wage with owning a house????"

first of all, a landlord will have multiple properties so they can earn less per unit to make enough

and secondly, you're paying in one way or another to have labor done and profit taken when something needs done on your house, whether its your own lost time or you're paying a plumber. you don't avoid anything by buying a house. you're paying either way. with renting, you just pay it all up front and the benefit is that you're free to go wherever you want and don't have to deal with anything.

>>28898314
And yet, you pay more 99% of the time by renting while the owner profits off of inflation and increased housing demand. You can come up with justifications, but ultimately you're paying more to not own things. You can't sell that apartment you've spent $50k living in.

>>28898322
not the guy you're quoting but if you're living the >>28898309 bug lifestyle the comparison shouldn't be 3-4 bedroom mortgage vs 3-4 bedroom mortgage, it's more like 3-4 bedroom mortgage vs 1-2 bedroom apartment. a small apartment is much cheaper than a mortgage on a home.

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>>28897299
>after maxing out my roth/401k
sweet so you can enjoy it when you're old and feeble. gl hf

>>28898322
the money you would have spent on a house is money you'd instead invest for a greater return.

unless you're a rich person getting an architecturally significant home, there is no money to be made owning a house. it's a "retirement account" for normies.

and just to make it clear, landlords don't profit that much money per unit. it's like $100 per month, and that money is accounted for via

1. economy of scale. they simply pay less because they buy supplies/labor in bulk or have a network etc

2. whatever is left from that is the actual profit from the landlords logistical/managerial work

and if they own like 100+ units, that is their wage

it's just another service, like anything else.

>>28897299
In canada, the government secretly pays brand new poos that just rolled out of their slum and right into a first world society, up to 7 grand a month in free gibs. They're out here driving brand new cars almost exclusively, while I'm pushing a shitbox Edge with a timebomb water pump. This is life rn

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>>28898337
>reddit spacing
>no money to be made owning a house
>landlords make $100 per month
fade this retard and his absurd cope.

>>28898221
>no no goyim some debt is really good according to our debt game
hey rabbi

>>28898344
time is more valuable than money, and debt is how you take advantage of that
>>28898343
No, there literally isn't money to be made owning a house and to unironically argue that is retarded

>>28898337
>the money you would have spent on a house is money you'd instead invest for a greater return.
I get the concept but I'm not seeing it outpacing property earnings.
A lot of people say "have the money, get a car on finance, and invest higher than APR but I guarantee none of these people did that - they admitted to going into debt and use that to make it seem not just justifiable, but smart.
It's not. You all complain about Jews then suddenly start telling me, acktshually, going into debt is smart.

>>28898343
he's not wrong, dumb reddit tranny. most landlords make shit money on rentals. large apartment building cap rates might be 7%. go look up properties on loopnet.

>>28898349
what property earnings are you even referring to dude?
>but I guarantee none of these people did that
so what? people say one thing and do the opposite all of the time. it doesn't change the math if you yourself did it.

>>28898348
cool i guess the fact my house has gone up in value at an absurd rate is just my imagination.

>>28898351
cool i guess the fact i rent it out for almost $1000 in profit per month is all just made up and that money in my account is actually just air because your gay little website said so,

Cope en masse you worthless little shitstains.

>>28897299
It makes no sense to buy a 50-60k vehicle no matter how much you make. There are plenty of good honest shit boxes that are strong enough and interesting enough to buy for 3-10k.

You wanting to buy something 50-60k is because you care that people see you in something "better." I buy and fix and drive cheap shit boxes to show people they dont need to get a loan to get around. Why the fuck would you want to get a loan and pay a payment on a depreciating asset?

The people you are refering to are normies in the car world. They want a warranty that lasts 10k miles less than what the engine or transmission will last just because they think the brand new vehicle will fail in the limited 5 year warranty not a little bit after. They never changed thier own oil, they never cared for thier vehicle, they treat it like a tool that will break within 5 years and will be replaced.

Keep getting shit boxes and save your money for land. There hasnt been a vehicle worth buying since 2006 anyway.

>>28898360
crab bucket loser.

>>28898359
>cool i guess the fact i rent it out for almost $1000 in profit per month is all just made up and that money in my account is actually just air because your gay little website said so,
it's "made up" in the sense that you're an unsophisticated mental retard who doesn't understand financial forecasting or really anything that extends beyond a 30 day horizon. you're quoting your gross rental collections, aren't you? what's your budget for capex, maintenance, vacancy? do you have a legal reserve, have you included taxes? etc. etc. etc.

>>28898354
The thing is, 98% of people leasing or financing DON'T have the cash to buy it outright. And they aren't certainly aren't investing that money over the APR.
Just because it could happen doesn't mean that's normal and definitely doesn't imply going into debt makes you smart.
Let's be real, almost everyone goes into these things because they cannot afford them outright - they don't have the money to invest in the first place.

>>28898367
It's another of those things, gamify the system to make buyers feel smart so you can charge them more for less.

>>28898359
>cool i guess the fact my house has gone up in value at an absurd rate is just my imagination.

just so you're aware, the SP500 from March 2020 to today, 6 years now, is up 2.8x or about 50% per year, and that's not even accounting for reinvesting the earnings. everything has gone up in value at an absurd rate due to COVID, for a variety of reasons.

>i rent it out for almost $1000 in profit per month
OK, now you're a landlord and have to deal with whatever that costs you in time/energy/money, as well as a reduction in your privacy and whatever else.

>>28898361
Explain.

>>28898367
Nobody has the cash to buy a car outright, really, and it's not in anybodys interest to do it even if they did. Wealthy people don't have much cash at all(relative to their net worth). They own a lot of assets. they could sell some stuff and take cash to buy a car, but there is no benefit to them in doing that. there is no reason to give up a large sum of money, for any reason, when you could get a loan instead, and wealthy people will get a 0% loan(free money) no problem since they are the lowest risk.

and poor people burn their money buying stupid stuff as soon as they get it, so they never have the chance to save up for a car anyway.

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>>28898377
>i'm a poorfag who drives a 2k shitbox so everybody else should too
crab bucket loser. the rest of your post isn't even worth addressing.

>>28898375
it's not binary you retard. i know you have to choose between investing your $5000 life savings in voo or saving for a down payment but that's not everyone.

>>28898365
>drrr give me your budget line by line
when things break, they get fixed. if it's vacant, i easily float the cheap mortgage until it's not. a landscaper comes 3x a year. a property manager handles the rest for a small cut and also ensures it's not being rented to ghetto trash.
omg it's just all so untenable and i'm fucking broke all the time and have no privacy for some reason (?) hurrdurrr

>>28898391
See, if you're wealthy, really wealthy, it's smart to finance, invest, and pay off early.
It's not smart for everyone else. It makes them feel smart because someone else can profit, but really they just want shit they can't afford and will eventually suffer the consequences.

>>28898397
and your cash is tied in to the house now, which itself doesnt make money. the rental income makes money but yeah you have to deal with any issue associated whether you want to admit that or not. acting like being a landlord is some effortless job is pretty crazy. a property manager doesn't make all of that disappear.

>>28898403
No, you never ever want to pay off early. Why would you ever do that? The things you're writing are nonsense.

>>28898406
Idk, I've literally never had a loan or credit. I'm almost 40. I understand that paying off early improves your credit score. Clearly I don't care. I have enough money to never work again (capitalism is luck and I won), I just don't have to do dumb shit like financing new vehicles I don't even want. The easiest way to not be wealthy is to spend money on shit you don't need.

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>>28898397
I drive a manual p2 v70 and a gmt800 because i can fix everything that goes wrong with them myself. I take care of a collection of vintage cars because i have the know how. Modern vehicles are terrible and over priced, much like vintage muscle cars, but i can still wrench on vintage muscle cars. Go back to maryland with your crab shit.

I could go buy a modern vehicle but none of them do anything i like.

>>28898410
i wasn't really accounting for credit. game theory wise, by taking someone elses money and giving them an IOU, you now have all of the power. there's no reason to pay them early or do them any favors. credit is probably a real reason though.

>>28898411
it's just your hobby though. hobbies cost money.

>>28898410
you're larping but for anyone else that's curious, you pay off early to reduce your overall interest paid. or you drop a big lump payment and lower your monthly.

>>28898411
you drive those because you're a shitkicking hick and that's what you can afford. want has nothing to do with it and this larp is getting tiresome.

>>28898422
>you're larping but for anyone else that's curious, you pay off early to reduce your overall interest paid. or you drop a big lump payment and lower your monthly.
NTA but i've been assuming this whole time that you're getting a 0% loan so this isn't a factor anymore

>>28898424
also forgot to mention that car loans and mortgages are simple interest so i don't think this matters very much to begin with. it doesn't compound like a credit card does.

>>28898418
>there's no reason to pay them early or do them any favors
No, except that they're making money on interest which you can reduce by paying early.

>>28898424
>0% loan
in what universe do these exist in any meaningful way?

>>28898426
holy shit. do yourself a favor and any money you earn just stick under your mattress. if someone in a suit or at a bank attempts to talk to you, yell for your handler or the nearest adult.

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>>28898418
I get paid to maintain them. I get paid to go around the country to events. I get paid selling nos parts at swap meets.

Yeah it was cool the first few years in my teens. It is just normal now i am in my 30s. I take care of other peoples hobby cars and get paid for it. I take care of my vehicles out of my own pride in having vehicles i care for.

>>28898427
I've seen banks that tax you for paying early. Ts not funny bronana.

>>28898429
the universe where you have good credit. there are a plenty of offers like this: https://www.reddit.com/r/carincentives/comments/1rp4i2k/best_0_apr_offers_on_new_cars_march_2026/

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>>28898436
yep and only a small handful of states made that obvious tribe tactic illegal.

>>28898429
In the universe of basement dwellers who want to look rich on an anonymous website.
>"You don't get 0% APR? What a cuck." He says as he picks a dino tendie off his man boob in his 1 bedroom apartment that costs all he makes after taxes.

>>28898444
Brotato please delete ts pic

>>28898397
you're an unsophisticated retard.

>>28898442
so by meaningful i didn't think we were talking about financing the most undesirable pieces of shit ever made but ok i concede that one.

>>28898446
it's not even hard to find them dude

>>28898453
i mean the cool stuff never has deals or specials. that goes for basically everything, not just cars

>>28898454
Enjoy your Altima I guess.

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>>28898422
Shit kicking hick living /o/'s dream of being around cars all day every day for money. Getting to work on and drive old shit you would not know how to begin wrenching on.

>>28898457
yeah. but even then i'm surprised to see subaru trying to dump them with 0 apr for the full 72 month term. i guess when you've increased the price of the car itself so much you don't care as much about the interest on top

>>28898461
nice volvo. did you repair the heated steering wheel?

>>28898452
ok now make me president

>>28897568
>a new car over 20 years probably costs about as much as maintaining several shitboxes over 20 years.
My 2010 Honda Civic just hit 177777. I spent $7k total on her 5 years ago. I have spent probably about $5k total on her over the years (some kids stole a car and drunk drove into her, she's had new tires, have her a nice full service when I got her, and had to replace an engine mount after my shitty city roads busted her good. My yearly insurance is about $200. I ran the numbers against my gals used newer car she bought and man the insurance alone is enough to really drain you.

>>28897299
>Ai frog
>Retard can't figure out how to buy a nic3 car while making over $100k

Peak NPC

>>28898474
>My yearly insurance is about $200
Huh?

>>28898484
Liability only on a commonly produced ten plus year old car. I don't have to pay for anything but the minimum as I'm not worried about replacing the old girl when someone fucks her up, I'm worried about my bill if I fuck someone up.

>>28897865
>If you had good taste in cars, the cars you buy would maintain their value. Some might even appreciate.
So who’s going to buy your used Porsche or whatever after 10 years? Cars don’t appreciate in value and are a liability.

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>>28898471
Nothing on the steering wheel has failed for me yet. I garage it every winter, bought it off the original owner who garaged it every winter. The car has been in mass its whole life, but never seen snow or salt. Only reason i bought it was because it was a cheap manual that got decent fuel economy. I get 30-32 mpg driving like an old lady.

>>28898487
yeah but $16/mo, that's like motorcycle prices. the cheapest liability i ever see for a car is like $75/mo. lucky you.

>we were promised bants
and this thread delivers

>>28897948
You might need to take a business class or something if you think what the mechanic is charging you is the same as what he makes.

>>28898539
is this the thread where we larp that trades actually make a lot of money when in reality it's just the business owner who at one time was a tradesman?

>>28898542
Trades make plenty of money, the licensure and bonding system keeps most of their profits vested into institutions that can back their work. This is nothing new and is a legalese equivalent of a guild

>>28898539
they charge like $100/hr and the business takes like $70 of it to pay for the building/tools/supplies + tiny amount of profit and what's left goes to the mechanic

>>28897476
My father and his finance buds at Wells say that after 2008 if the household income isn't 200-250k or more you are subject to a lot of risk and hardship.
>>28897457
I too move trash and make 120k. I won't own a home tho unless I can convince an old person to put me on their will
>>28897963
>>28897967
I would love to live this way but I grew up extremely poor and financially stressed so I'm pretty sure poverty gave me PTSD. Hence why I get no hoes, got no house, and drive a shitbox at age 34.

>>28897344
You'd be shocked how wreckless and stupid people who make that much money are with their finances.

>>28898702
that's another nice thing about renting. in a divorce, your house is both the biggest asset you have(probably) and it's also the hardest one to hide. literally the worst possible thing you could own if you ever had a divorce.

>>28897476
this, my cousin makes $1.2 million and he lives in a trailerpark and can barely afford food. it's rough out there.

>>28897299
Oh boo fucking who.

>Be me
>32
>Salary has not topped 103k annually
>I have three children
>I run a law firm
>I have done everything right, but every day I deal with divorce clients who make more than me alone, and with their spouse they often make two to three times my annual income, and they're crying because they're blowing through it all.

Three months at that income level would fix all my problems.

>>28897299

I made 120k and I echo this feeling.

House prices are all 500K which hugely benefited the parasitic boomers and fucked over anyone young.

>>28898947
you're a lawyer and you only make $103k a year? what the fuck are you doing?

>>28898947
>run law firm
>regularly take cases from rich assholes
>salary has not topped 103k annually
Have you considered charging your divorcees more, dumbass?

>>28897346
This sentiment is great until you realize a good used car is only 10-15k cheaper than the new model. And more importantly, you can get 0-1% financing on new models for 4-5 years. Whereas every used car loan is going to be 6-8%. The money you saved buying used will be paid right back on interest over time.

>>28899603
>what the fuck are you doing?
>he has 3 kids
My guess is he invests in McDonald's Happy Meal™ door dash for his kid's instead of I dunno, condoms?

lil bro hasnt heard of debt

you have the mental capacity to justify
they have the "gotta look rich" mental capacity
you COULD do $1500 payments, and I bet you have $10k you could put down, but its not worth it, everyone with a brain knows that

>>28899838
which mental capacity results in reproducing vs dying alone?

>>28897299
They're all in ridiculous amounts of debt and one bad week away from getting their car repoed

>>28897344
/o/ is disproportionately richer than other boards because it's a hobby you need money to partake in

>>28899933
Not really. If you go to any of the poorest regions of the US, every male you'll meet will be a vehicle enthusiast. Every yard will have two parted out pickup trucks and one that is currently being worked on by its crackhead owner.

>>28899964
>yard
which means they own property, which gives them a significant leg up on renters and other poors.

>>28897299
I work part time at a luxury resort where nobody makes more than 20$/hr for shits and giggles and I constantly see 50k+ value cars in the employee parking with occasional Model X and 911 sightings. There is no way all of them are trust fund kids, at least one of them has got to be debt maxing or something wacky

>>28900060
it's a resort. they're probably rentals.

>>28898947
Nurses at my hospital make like 140k bro

>>28900366
you probably live in NYC though so your job market doesn't apply to 99% of the rest of the country.

>>28900366
They should. Of all the people in the world who should be paid well, it's medical professionals working in hospitals. Bless them.
But, consider that 140k in many places is essentially the same as 60k in others. It's hard to compare.

>>28900366
NorCal nurses make 200-300K easy. We have nurses who drive in all the way from Utah for shifts (Zuckerberg AIDS Hospital, San Fagcisco, Californicate). I aksed the guy, he said it's worf it after all costs

>>28898947
>only making 100gay as a lawler

Did you go to an online law school or something? How is that pussible. Lawyers make obscene amounts of money because they're all taking part in some scammy financial trickery bullshit or another.

>>28898492
Porsches hold their values exceptionally well (911), bad example

>>28897646
No one with shitty enough credit to have a 25% APR is getting approved for $90m of financing

>>28897865
>>28897874
Vipers are so fucking cool. That was my dream car as a kid

>>28897877
> you make so much money per hour that dealing with car problems even once is a massive waste of your time
This is cope for people who suck at math. Even a couple hours spent on some repair doesn’t offset the higher lease payments vs buying and keeping something.

>>28901114
it's a common mentality among people once they reach a certain income level. "oh i make 300k per year, so my time is worth 150 per hour". then they apply that to literally everything they do as if it's some kind of lost opportunity cost or something by engaging in activities that don't make them at least that much money. completely ignoring the fact that they're usually on salary, or they wouldn't be replacing that time spent with some other activity that's actually making them money. basically it's just a way to justify being lazy in your downtime from work which is fine since you need that but it's essentially just a cope.

>>28898165
If 1 in 7 are above 6 figures, 1 in 3 make under 50k. The highs are higher but the lows are lower in burger land

>>28898165
you probably spend your time in places that attract poor people.

This is a troll thread. Half your yearly salary for a car that's gonna last you multiple years is an absolute bargain.
Most peasants such as meself have to finance their vehicles over 5-8 years to even afford one.

>>28901114
>>28901122
nobody wants to deal with bullshit. it's really that simple. not dealing with bullshit costs money.

>>28899834
That's the card your bank issues you, dumbass.

>>28901213
sure and if that's what is to you that's fine, but for some people it's not bullshit. it's fun, engaging, and rewarding, a way to save money, peace and quiet away from the wife and kids, or a way to bond with your kids. i'm sure there are things you enjoy doing that a lot of people would regard as a waste of their time, like arguing with people on an anime website for instance.

>>28901239
You are spending much more time working for the lease than owning an older car that might need a clutch sometime. You were going to work anyway so the money you lost by leasing could have gone to treat your kids.

>>28901260
>>28901260
>You are spending much more time working for the lease than owning an older car that might need a clutch sometime
no you aren't, also you're comparing a new car to some 20 year old craiglist shitbox unironically right now

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>>28897874
remember when you posted your fat ass hand wrapped around some purse gun and then ran away for months because you got clowned on by everyone. I 100% gauramtee you do not go on dates with cute girls because you are fat, fatty.

>>28901268
>also you're comparing a new car to some 20 year old craiglist shitbox unironically right now
You're goddamn right I am. I've driven 90s shitboxes for 20 years and they still don't let me down. I paid $4k and own it. You pay $30k for a 3 year rental. You're losing money big time, money you could have used to take time off and treat your kids. But no, you have to keep up with the Jonses.

You do know it's possible to save for your children as well as get new cars right? I have 100k in my 2 and 4 year old 529 accounts, max out my roth ira & 401k every year, have taxable brokerage, and bought 3 new cars last 5 years.

>>28901287
yeah, and a old $4k shitbox with routine issues is way worse QoL than a $4k/year new car that never has any problems

>>28901306
What are these "routine issues?" I've had the same car before for over a decade at 300k miles. This one's got 140k. Miatas are reliable. Want something big? GMT800, parts all day and everyone can wrench them.
Surely you want time with your kids more than a rented "luxury" car for appearances, right?

>>28901310
>Surely you want time with your kids more than a rented "luxury" car for appearances, right?
Yes, which is why I just lease. I don't have to deal with any of the problems someone with a used car has to deal with. Literally nothing.

>>28901326
Except you have to work more for it... A lot more. If you owned a car that money could benefit your family more than having a vehicle with a newer model year. Did you consider that? No, you're just keeping up with the Jonses.

>>28897299
bro, we don't even know if the country will exist in 10 years, might as well drive something you like

>>28901332
lol we've been through way worse shit. you kids are so coddled.

>>28897299
Lease, default, repo'd

>>28901331
the more money you make, the less you're working for it.

>>28901382
Okay? The easiest way to not be wealthy is to spend money on shit you don't need.
At the end of the lease, you can't even sell the car.
$30k for 3 years, or $30k for 3 years then sell it for 23k.. which option seems wiser?
No, you're gonna tell me you're soo rich and important so you need a luxury badge and old cars break down.
You can BUY a new family-oriented crossover for the cost of leasing a luxury one for 3 years, and you can sell it.

>>28901388
30k is like a daily stock market fluctuation for me kek. Who cares? I made 400k last year and my stock gains were more than my income from working. My vehicles are business expenses though and get written off so I buy them

>>28901395
That's cute bud. Go ahead, lease a Suburban for $1,100 a month. Doesn't make it smart.
You also think used ars are constantly on the edge of ruin. What are you even doing here?

>>28901388
>Okay? The easiest way to not be wealthy is to spend money on shit you don't need.
no, that's for normies to save for retirement. your wage/salary/assets will make you infinitely more money than your ability to save money.

>>28901406
You did this whole conversation just so you can brag about your income on an anonymous site?
I have a 9 inch cock.

>>28901388
>$30k for 3 years, or $30k for 3 years then sell it for 23k.. which option seems wiser?
The lease is 500 every month for three years. The purchase is 30k at once unless you're taking a fuck-me-in-the-ass loan. With the lease, you can put that 30k capital in the stock market instead, and chances are that 500 lease will be a 200 dollar monthly lease once you collect the stock market returns. That's the price of an expensive monthly bus ticket.

>>28901418
He does this all the time, he probably lost his dad or something else really sad.
Porsche anon it's okay we love you. Just try to be more understanding of people from other walks of life.

>>28901418
no, i said that the idea that you're going to save your way to wealth is totally idiotic. Rich people started a business, or got famous, or had really dumb luck with some investment. They didn't follow some /r/personalfinance chart. Saving an extra $300/mo isn't going to do anything.

>>28897476
In 2026 $100k is the new $40k in 1990 FYI

>>28901858
reddit convincing people that saving money from their day job is going to let them FIRE™ is pretty funny. literally telling people to burn their youth away forever so they can have like $1m when they're 40. lol

>>28898205
Your high time preference is showing nigger. Delaying some gratification now means you don’t have to work as long in the future. Driving a vehicle a couple mores years knocks a year or two off my retirement at least. I’m retiring by 52-53 in the pessimistic scenarios. 49 is doable.

>>28898303
> If you already invest your money, there's no reason to lock so much money into something like that.
Where do you live anon? Usually people don’t like to be homeless.
>Owning a house costs the same as renting.
Lol no. Not even close.

>>28898337
> the money you would have spent on a house is money you'd instead invest for a greater return.
No shit. But you have to live somewhere you tard
>and just to make it clear, landlords don't profit that much money per unit. it's like $100 per month
>source
>your ass
No one is dealing with tenants for $1200 a year. I can look up what it costs for a mortgage vs renting a comparable home. You can do this too. Renting isn’t cheaper AND you lose out on equity.

>>28898337
Forgot to add. You lose out on property tax and mortgage interest deductions too. The standard deduction might be better either way, but if you rent you can’t take those deductions. Even if it was equivalent cost, and it’s not, you would net behind via renting by paying higher income taxes.

>>28898351
> most landlords make shit money on rentals
Demonstrably false
>loopnet
That’s commercial RE. Completely different conversation.

>>28898410
> I've literally never had a loan or credit. I'm almost 40.
That doesn’t make you smart or cool. Arguably the opposite. That means you started working between 2006-2010 or so. Shitty time to start a career, I get that. But it also means you had 2000-2022 with incredibly low interest rates. If you’re that old and didn’t take the opportunity to refinance or buy a home at sub 3% in 2021-2022 you’re an idiot.

Has anyone in the is shit thread posted proof of their income? I’m assuming not.

>>28898429
>>28898446
You guys must be euros or quite young and have little experience. 0% APR offers are all over the place. They were quite common right for the majority of the last 20 years. Hell right now Ram is offering 0% for 3 years on 2500s. They had a 0% on 1500 Laramies just end on 3/31. Manufacturers use it as a way to move inventory. Let’s say something is $60,000 and they want to clear it out. They can drop prices to $50,000 and the buyer finances at 7-8% or they keep the price at $60k and offer 0%. The profit for manufacturers will work out to essentially the same. You’re likely to entice more people with free financing in a higher interest rate environment.

In terms of general 0% offers those are everywhere. Furniture and appliances can easily cost thousands to tens of thousands. NFM runs a 0% financing for 12-18 months on every holiday. I got a new AC and furnace in 2024. I could have paid out of pocket but they had a 0% for 12 months. I paid minimum payments for 11 months the paid the remainder in a lump sum. You’re dumb to not take advantage of those things if you can.

>>28897457
>make 100k delivering packages
see this is how i know you guys are larping fags. i do delivery and make $40/hr and that's the high end

>>28898947
>lawyer
>run own firm
>somehow successful enough to get rich divorces routinely
>only make $103k
That’s a (you) problem my friend.

Or are you leaving out the fact that by “lawyer” you mean paralegal and “run a law firm” you mean “that place would fall apart without me”?

>>28903047
I had to take my wife’s car in this morning off and my local BMW was doing 0.9% on most of the lot.

>>28903055
Family law is the gutter for failed attorneys.

>>28903025
No because it's meant to be ragebait. Anyone can go to their bank account or crypto wallet, inspect element and change the number to 500 million dollars. 4chan is a website for bored weebs, not lowkey successful, handsome and hung men. Yes I'm sure there are probably some people on /o/ who are well off, some people on /fit/ who are jacked, etc. But the claims are disproportionate to an absurd degree. Lurk the income/car you drive threads sometimes and do the math. Last time I did it was something like 50% of users claimed 6 digits.

>>28903055
He's not a lawyer any more than I'm chief of police or you're a celebrity fitness trainer you god damn retard.

>>28903065
To be fair six figures really isn’t that much these days. First year associate comp at my firm is all the way up to almost $250k

>>28899933
No retard, the richer you are the less you care about what's under the hood because that's shit for your mechanic to worry about. Poorfags wrench out of necessity, and then act superior to people who can't tell an alternator from a carburetor. Like everyone on /o/.

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this is what this thread boils down to. every.single.time.
HURR DURRR 999K ISNT THAT MUCH ANYMORE UMMMM ASKSHUALLY I MAKE 400K AND I CAN BARELY AFFORD A TRUCK UMMMM ACK! - SHUALLY IM 21 AND MAKE 200K A YEAR AND CAN BARELY AFFORD AN APARTMENT

>>28903080
indians man
indians
>inb4 bmw 3 series scraped from plebbit

People are willing to spend 20-25% of their take home in car + associated costs.

You could lease a new 5 series or something for 1000 dollars and put a few hundred for cash with that income.

You not wanting to is another thing to you not being able to.

>>28903114
You can lease a 5 series for almost half that

>>28903025
why? the poors will just accuse it of being photoshopped.

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>>28903120
>>28903025
I have no dog in this race

>>28903120
That’s what happened the last time this came up and I posted my income. People just go hurrr it’s fake.

>>28901213
Ok. Then say you’re willing to pay more to not deal with “bullshit”. Don’t say you are actually so rich and smart that it’s the good financial move. It isn’t.
>t CPA making ~$146k
Lots of people make more than me. Even more make less. Few are as autistic about personal finances as me

>>28897299
>anon finds out most people are in debt

>>28903144
kek I'm also a CPA and make within 2k of what you do

>>28897337
Yes, I heard both gas stations and the dollar general are hiring.

>>28901858
> said that the idea that you're going to save your way to wealth is totally idiotic.
Define wealth and define rich. You absolutely can. And it doesn’t require sacrificing all your fun or a super high paying job. It requires sacrificing some things and being a top 20-25 percentile earner but thats not outrageous.

>>28903059
Anything sub 3% is basically free. People are going to shriek about me being jewish but 3% is lower than the (((stated))) inflation rate averages. 0.9% is still a great deal.

>>28903498
If they don't offer you such a loan, don't buy. Go lease instead. You pay 500 bucks monthly compared to 1500 on top of a massive deposit in the same three year span. It makes no sense to buy new.

>>28899821
Dont borrow money just buy what you can afford in cash. You're not getting a good deal paying 0% on a new $50k shitbox when you could pay $5k cash for a 20 year old shitbox which has the same utility value. Not to mention depreciation will cost you more then $5k a year on most new cars.

>>28903592
You're comparing a new car with a 20 year old one as if they were completely interchangeable. Do you also buy 20 year old shoes? And food past its expiry date?

I'm not saying buy new, but there's a big fuck difference between a 50k new car and a 5k 2002 shitbox.

>>28903614
If they both get you where you need to go the utility value is the same. If you want a nice new car and dont want to be in debt buy a shitbox first and save $50k cash. Yeah its great to own nice things but not if you cant afford them yet.

>>28903629
OP clearly could afford 5 or 50k cars.

>>28903496
> You should be a top 15 percentile earner while driving a 2003 Civic in your 20s