>>29070418
You are just a poorfag, anon

>>29070421
credit card debt is not wealth lil bro

>>29070422
Credit card debt is not real, you don't have to pay it back

>>29070422
Debt is paid by assets that generate income

Again, you are just a poorfag, anon, now show us your bicycle

>>29070427
>dont pay it back
>bank sells your debt to debt-collecting agency
>they sue you

>>29070428
>gotta spend money to make money!
good gòycattle lmao

>>29070418
Debt maxing to show the bank that I'm a good goy and can be trusted with a higher goybucks allowance.

>>29070430
>they sue you
Just ignore the letters
I'm still doing good

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>tfw didnt fall for the debt trap so I dont have to work
can you imagine being stuck in a shitty job, know that if you'll lose it you'll lose everything?
couldnt be me

pay my taxes, fatsos

>>29070418
>get small cheap used Citroen that works like a charm (been driving it for 7 years now)
>laugh at the financially-illiterate SUV tards who are underwater with their payments

>>29070438
i don't have to work either but i like going to whataburger and green chile doubles are ten whole ass dollars

>>29070430
>gotta spend money to make money!
No you fucking poorfag, you have assets that generate income like rental property and you use them as collateral to afford shit.

You wouldn't know, because you are a poorfag.

>>29070466
>rent property so you can pay back the mortgage on that property
L
M
A
O

>>29070469
Holy poorfag
You own rental property, you rent that property to someone and then use that money to pay for shit

Fucking poorfags, no wonder they are poor, they are so fucking stupid lol.

>>29070471
nigga this is a thread about getting retarded loans and (((financing plans))) on cars because retards are retarded, the fuck you talking about rents

>Make a thread about being poor
>Gets upset when people remind him he is poor

Lol, what else were you expecting you retarded poorfag?

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>>29070477
>if you can buy something then you have to buy it or you're poor
have you considered that someone might have the money, and choose not to spend it on a retarded purchase?

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>if you save money you're poor

>>29070418
You know it's possible to afford nice things without going into debt, right?

>>29070484
>that shitheap
>a nice thing
LMAOOOOOOOOOOOOOOOO

>>29070485
Replace it with your choice of compensation device. It doesn't change the fact that it's not hard to afford nice things if you plan your life right.

>>29070488
>it's not hard to afford nice things if you plan your life right
That sounds a lot like jumping through financing deals and living in stress, rather than living below your means like any smart person.
Wanting to appear rich is a poorfag thing btw

>>29070484
Why wouldn't you want to go into debt? It's only bad if you're retarded about it. Don't tell me you're saving up $80000 to buy in cach instead of financing and letting that money sit in the market.

>>29070491
> Wanting to appear rich is a poorfag thing btw
Wanting to appear poor while actually being poor, is a poorfag thing too.
I'm trying to maximize the pleasures and enjoyment in my life.
>smart
Intelligence isn't the only important human quality.
You should try to act smart, but you should also try to act healthy, joyous, sociable, confident, etc.
You shouldn't just blindly emulate what you think a "smart" person does in life.

>>29070496
>debt on the house
>debt on the car
>debt on the student loan
>debt on your credit card

Add the fact that the purchases aren't intelligent (overly expensive shitboxes like the one in the OP) and it's an easy route to trap yourself into a shit life

>>29070498
You're an addict and a slave to your addictions mate. Pure hedonism, and you're paying for it with stress (and possibly a lawsuit if your debt gets out of hand).

That, plus the fact you're probably obese, means you won't make it past 50

>>29070482
That isn't your case OP, people that have the money to spend use debt, you are just and angsty poorfag

>>29070501
Whole lot of projection/assumptions.
Only a poor thinks saving money will get him rich (it just keeps him not poor, and even then, it's not really true).
Keep driving your 2003 corolla though, I'm sure you'll make as much as me someday.
>hedonism
Why aren't you a naked monk in the himalayas, you hedonist
Desiring better material things is what caused humans to evolve intelligence in the first place. You are literally not a human if you think the bare minimum to survive is fine.

>mate
OP is an Europoor, it all makes sense now

>>29070503
>it's normal to be a debt slave so I should do it too
eat your sugar and put your vacation on your credit card bro, I'm sure you won't shoot your entire family in a couple years

>>29070504
>Whole lot of projection/assumptions.
>only a poor
lol

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>if you're financially literate you're poor

>>29070491
You can live below your means in other areas and live a little in others. Don't live in an oversized house. Don't waste money on fancy clothes, expensive food or dumb shit like "gaming" or streaming services.

>>29070496
Pretty much all these $80-100k trucks and SUV's are leased. Lighting $20k on fire hurts but not as bad as burning $80k.

>>29070505
This.
>>29070482
Have you ever considered that your interests and someone else's interests don't align?
Did you know that the best way to save money is never to get married or have kids? Is that what all intelligent humans should do?

>>29070507
What's your annual income after taxes? Are you single or married? Do you have kids?

>>29070511
>my interest is buying overpriced garbage to show people I can
Lmao. I see people with Ferraris all the time who live in a shitty house. Their lives would get so much better if they just stopped wasting money the first chance they get

>>29070512
I rent my entire ground floor to a catering company that organizes weddings. All I do.
If I needed an expensive car I'd be in serious trouble but I'm good with my old used sedan that Just Werks, so I don't have to work

>>29070506
You are an Europoor, your opinion is irrelevant

>>29070513
>shitty house
Why would you want to show off a big house to others, you have no friends or family anyway.
>>29070513
> I rent my entire ground floor
Lmao its a nepobaby who got some property from daddy, talking about the importance of intelligence

>>29070514
bro you do realize I could go into debt and get retarded shit too, right

>>29070515
>Lmao its a nepobaby who got some property from daddy
Correct. I could have been retarded with money and lost it though.

>>29070517
You are not an intelligent person for being a nepobaby. At best you can describe yourself as "not retarded"
So please stop with the appeals to "what would smart people do"

>>29070518
ok still not getting in debt
I KNOW I KNOW! There are so many things I could get if I just..... borrowed money! But... I WONT HAHAHAH

Just delete your thread OP, what a fucking pathetic display of europoverty it is

>>29070517
>>29070521
so what about the people who are nepobabies like you, but got their parents to just buy them a car. does that trigger you? how do you know someone is in debt, and weren't just given something.

>>29070523
If you have even a little ounce of debt you are literally poor

>>29070524
wat
Goddamn dude, take your time if you need to

>everybody talks like I'm either a poorfag or a multi-zillionaire
Stop spending on retarded shit, no you don't "need" it, and you'll easily have enough money to get by AND do fun stuff

>>29070526
not sure if I agree with the other anon claiming you're not retarded.

>>29070528
>but what if it's le gift
well, was it a gift?

>>29070529
We don't know, just like we don't know if you're life is what you say it is. get my point? how do you know if someone is in debt because they drive a nice car? did they tell you?

>>29070471
Most small time land lords are barely scraping by. They are lucky if they can cover their costs

>>29070531
My point is "don't do retarded purchases that set you back"

One guy gets a gift, so now you can be retarded with your money? What?

>>29070535
We don't even know if you even have money at all.
>a nepobaby gets property, therefore everyone else with a nice car is drowning in debt because he drives a shitbox
what?

>>29070421
i make close to a 90th percentile income and i'd never dream of buying (or financing, as is the case for more people) a $60k+ SUV.

>>29070531
If someone lives in a shitty house and has a high-end sports car they're 100% financing it themselves, stop being disingenuous

>>29070537
What do you use the massive pickup for, exactly?

>>29070538
90th percentile is poor when you consider that the bottom 60% of this country is mexican and black.
You're really only in the top 75 percentile among humans, if you think about it.

>>29070418
knock knock knock knock knock knock knock knock knock knock knock knock knock knock knock knock knock knock

no reason not to die neck deep in debt

>>29070539
I know people who own GTRs and live in shitty houses. they didn't finance the GTR. they couldn't even if they wanted to if they didn't have the cash to back it up. some people legitimately care about cars more than they do houses and even if they had a million dollars, they'd live in the same shitty house they were raised in possibly for sentimental reasons.

>>29070547
Oh shit, you got anecdotes. I'mma go 70k in debt right now then

>>29070548
your entire life is an anecdote. most europoors are bitter and poor. so what makes you an exception to that rule?

>>29070545
If you're going to die alone sure, go ahead.
If you'll be leaving family behind anything you'd want to pass down to them will be taken to settle the debt first

>>29070550
>you're poor because you choose not to go in debt
most american thing I've read all week lmao

>>29070543
how much do you make a year?

>>29070553
>people can't own nice cars unless they're in debt
>well, there are people that do
>NUH UH! THAT'S JUST AN ANECDOTE UNLIKE ME! I KNOW EVERYONE ELSE'S LIFE AND ALSO MY OWN IN ABOVE SCRUTINY
do you wear adult diapers, too?

>>29070557
If you can buy the pickup in OP's pic cash in hand with no debt, then by all means.
I don't see why you would since it's a bulky mess and older pickups are much better for actual work, but sure.

Point is the vast majority of people go in debt to buy such useless status symbols.

>>29070559
and if you aren't a europoor driven into insecurity by what other people buy that you cannot afford yourself, than by all means. but the vast majority of europoors are bitter and poor, and seethe at vehicles like the OP because they can't have it, or anything else of similar price.

it's the fox and the grapes, really.

>>29070562
...what makes you think I'm unable to go into debt?
Do you think banks have a sign that says "we only borrow money to amerilards"?

>>29070565
what makes you think everyone else is in debt because they own a nicer car than you? do you think car dealers have a sign that say "only people fitting the description of asshurt europoors can buy our cars no one else of good financial standing can".

>>29070567
more importantly, if you had cash, why would you dump it all on any one purchase when you could dump it in the stock market, and get the vehicle, too. now the person who is "in debt" is wealthier than you because they're actually more financially literate.

Would you pay cash for a home or use a mortgage and dump the rest in the market?

>>29070565
That GMC Yukon Denali is $83k starting. You're very poor and the bank won't loan you the money for it.

>>29070525
Delusional poorfag

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I live with my mom and she still makes me din-din

>>29070590
based. I wish I had a mom.

>>29070595
:c sorry about your mom situation nonner, im gonna hug my mom now. i wish you the best

>>29070568
>gambling is the way to go!
Try again, jewstein

>>29070572
Most people do (((financing))) and fuck up their lives forever

>>29070430
I ghosted a cc company out of $34k debt last year, haven't been sued yet

>>29070622
Financing is a loan you retarded poorfaggot.

>>29070657
...I know? The point is, going into debt for something that's purely a status symbol is completely retarded.

>>29070650
I would not sleep well knowing I got that shit hanging over my head. You guys are nuts

>>29070660
It's literally free money, you should try it

>ITT OP copes and seethes about being devastatingly poor
Why are eurocucks like this.

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>>29070672
>hah, he won't go into debt for shit he doesn't need!

It's easy to afford nice things when you don't have to buy butter knife and TV licenses.

>>29070471
>just buy infinite houses for infinite money!
You don't even own your own house nigga

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>>29070418
So glad I got rid of my car payment.
Shit sucks
Now if I could get rid of Insurance and Gas
.t 845 credit score

>>29070672
How fucking much have you samefagged in this thread? Good lord.

>>29070693
>Being this poor
The absolute state of OP. I do own my own house, I financed it btw

Seethe about it.

>"Guys I am so fucking poor I couldn't finance a senseless vehicle if I wanted to, I am so cool right?"
>What the fuck, go away poorfag
>GUYS YOU ARE JUST DEBTSLAVES YOU SHOULD BE LIKE ME AND STILL LIVE WITH YOUR MOM.

the absolute state of OP

>>29070418
I know some Chinese people who work nearby who own this and they peddle shit on amazon.

>>29070708
That was my third post ITT.

My homie is literally about to get his car repo'd. He lost his primary job. He's working an on call job, but he's behind like three payments. Can he bounce back from this?

You can always tell when someone is poor because they spend their time worrying about what other people do with their money.

>>29070897
>worrying
schadenfreude is not worrying
I'm laughing at people who voluntarily carry monthly payments in the thousands to get things they dont need
>you dont get it, I'm proud to be a gòyslave!
yeah well good for you

>>29070768
Yes, give up on that car and get one within his actual price range, instead of some retardedly expensive status symbol. Buying used is also an option.

If he is allergic to doing proper research also tell him to stop being retarded

>>29070650
I'm telling!

All of the mexicans on my block have brand new trucks and escalades, but they live a dozen to an apartment. wtf

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>>29070418
Good goyim debt slaves

Oh look yet another thread filled with screeching poorfags. Had to make up half the content on this board.

>>29070499
Youll never save enough money to buy a house outright because your paycheck goes to rent.
Youll forever be stuck in the rent trap and making someone else wealthy. Youll die with nothing and your children will struggle their entire lives and also die with nothing.

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Nightmare scenario.

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seriously considering a Ford Explorer Tremor with the 3.0 Ecoboost.

currently driving a Kia Stinger GT, love the power and handling but even with the big hatch the overall versatility is lacking compared to a 3-row SUV and at 110k miles its completely out of warranty and repairs are increasingly expensive now that they are out of production and parts are limited.

>>29070418
When your chunky retard wife needs to be the baddest bitch in the school pickup line

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>i friggin love 25% tangible material and technical quality
When analyzing the pricing markup of premium versus hypercar manufacturers, the allocation between functional quality, brand equity, and production inefficiency shifts dramatically. In the premium segment (e.g., Porsche or BMW M), the retail premium over standard vehicles is heavily driven by branding and image (roughly 40-50%) alongside scale-related inefficiency costs (20-30%), leaving about 25-30% directly tied to tangible material and engineering quality, such as upgraded metrics, specialized steel alloys, and advanced software tuning that benefit from shared corporate platforms. Conversely, for low-volume hypercar manufacturers like Koenigsegg or Bugatti, the architectural paradigm flips: inefficiency costs due to low production volumes dominate the pricing structure at 40-50%, driven by amortizing multimillion-dollar crash tests, bespoke tooling, and thousands of hours of manual labor over a tiny production run (like the Gemera's 300 units). For these elite machines, absolute technical and material quality accounts for a substantial 30-35% of the price, dictated by expensive aerospace-grade carbon fiber weaves, single-billet titanium components, and revolutionary powertrains, while the intangible branding and exclusivity factor represents the remaining 20-25%—acting not just as a marketing badge, but as a guaranteed ticket to a highly restricted global collectors' club.