Being stupid enough to owe payments on a vehicle

>being stupid enough to owe payments on a vehicle

If you finance a car, you officially give up your status as a white person.

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I lease a car and I'm going to pay it off before I have any interest.

my mom thinks if you don't spend at least 18k on a car it will be a piece of shit that breaks down constantly and unsafe

I own my 45k truck

I dont have any payments
I paid cash

That's not a lease.

>truck
Ehh, at least you paid cash for it.

>tfw bought a 10 year old luxury car owned by old people for $5k, paid for it in cash and havent had any problems with it

anyone who spends 20k on a car because it has built in twitter and bluetooth is just an idiot

I bought my car for $500 six years ago and it's still running with all the maintenance done myself. All told I probably spent $1000 to keep it running since I bought it.

Feels good daysu.

Nothing wrong with financing. I have a 96 month term on my car. With almost nothing down and only 700 a month I'm able to drive a Lexus. I love seeing holly jelly poorfags are when they see my car.

You made a wise choice. Nothing is better than fee fees in your pee pee when people see your car.

Ha, for sure. It's pretty fun just driving around in it.

you sound like faggots

i have a bus pass

How's your beige manual Camry? Kek

what else would you do it with?

>mfw driving early 90s pontiacs

fuckin cucks driving brand new 80k suv tob keg

I make $200k/yr myself, but I couldn't do what you did without feeling like it was a bad idea. You're paying $67,200 for a car.

While my car is a bit older, my 2010 Ford Focus cost me only $8000.

If I wanted a Lexus, I would look for a colleague of mine who buys previously totalled cars and repairs them, it'll still be around $10k or so. Maybe $15k.

It just seems like a terrible investment.

Hurrrdurr I've got a $67000 toyota.

You're clearly full of shit. Otherwise you would know how bad an idea it is to get rebuilt title cars.

This Lexus master race

>Relying on caaaaars.

I am redpilled enough to only own bicycles.

>disgusting cagers have assembled yet again to shitpost
Fuck off lardass. Go drive 40 miles in the suburbian hellsprawl to get to the McDicks. This is a white man's board. It's either riding a bike/walking or fucking off.

If not a poorfag who has poorfag credit then you can get a 0% interest loan and use the large sum of money to make more money. Really its the most white thing you can do.

Why?

If it works, it works. I'm not going to resell it. I drive it until the wheels fall off, and I have a friend who owns a car shop with the expertise to deal with any issues.

youtu.be/NvZJb_ydvUk

>45k truck

With interest rates at extreme lows, for people with good credit who can borrow money so cheaply, it makes more sense to finance and invest the money they could have used to buy it outright.

If I can finance a car at 0.9% APR and invest the money I could've used to buy it with a 3% return, I come out ahead in the long run.

1.55% 6-year loan from credit union with $500 payment and $10k down means the wife gets to drive a nice Infiniti. That's basically free money. Get fucked plebs.

Seriously, who buys/leases new vehicles? They're too computerized and are constantly getting recalled because nobody can make a decent car anymore. And then you're a slave to the monthly payments

Just get a pre-owned older car on the cheap.

>""owning"" a depreciating asset
this is why the kikes win

If it's 0% APR why not?

Yes, but not if you're shilling out for a new car. Your total payment is insanely high.

Just finished paying off my 20k truck. 3 year term.

Feels goodman.

>cagers

lemme guess you shriek about "being treated like a vehicle!!!" then go 25 under 3 wide in a lane with your butt buddies

go choke on your gay spandex suit

Only bad if its put together wrong or has electrical damage from water.

Almost impossible to get insurance coverage

>paid cash for it

You NEVER want to own an asset that looses value. This is kike wealth building 101.

What's nice about trucks? Why not SUV?

I just sold my truck that I bought for 1500 for 2500, bought a 8000 dollar truck for 6000, and only borrowed 1500 from a friend to outright own the new-used truck, and am going to pay him back in full in 3 500 dollar installments.
I have never had a credit card, I have never been in debt, I have no degree and I make 45K a year working with my hands.
I have about 75% of the hard cash needed to purchase 15 acres of land, and am about to close the deal on a neglected Mobile home to put on said land while I save money to build a house on 15 acres. So I don't have to pay rent and property tax while building my house.
I have no family, no GF and was homeless just over 3 years ago because my family is fucking psychotic.
What is your excuse for being a debt-slave Sup Forums I'm on track to be a landowning, productive member of society and I am not even 23.

wait, are jewess' bad with money?

what's a more dominant trait: jew or female?

What do kikes do for transportation?

I've honestly never understood the peer pressure among the slightly wealthy to waste money pointlessly.

When my last car broke down, all my colleagues were like "Yeah! Let's all buy a new car, you can do like we do, and change a new car every year or so!"

I was like fuck that.

Two years later, they're still paying off their cars, and I'm buying my second house.

>Just get a pre-owned older car on the cheap.


Mercedes certified pre-owned?

things that didnt happen

I have that covered, no worries. Connections make the world go around, and you should know that if you have money anyway.

Jokes on you, I drive a used vehicle played for in full. And can easily fix most problems and do all required maintenance.

>You NEVER want to own an asset that looses value.
So you sit around naked in your empty house all day

you can easily get 0 or close to 0% interest right now are you people retarded they are giving you free money. Use your case in stocks. If you get even a shit 5% return you make a profit

>larping this hard

Nope, simple reality. Have a nice day though.

Luxury cars actually last if maintained. Thats wut they do. And they always retain a degre of resale value.

>you can easily get 0 or close to 0% interest right now
Thats a scam
if you take the 0% interest you dont get the rebate

If by luxury you mean Lexus

...

>driving a children's toy
ok

So do trucks if you take care of them.

Underrated.

I just started my career and scrapped my old shitbox. Got a two year lease on a crazy trade in deal. Why the fuck do I want to own something that I will pay more for and lose almost all value. No thanks. For now I'm happy with a new car every two years. Girls like new cars, not shit. They don't ask or care if it's owned or leased.

mah nigga

So people with shitty jobs should just walk? Suck my yellow cock you stupid faggot.

Unless you make a lot of money, I can't understand why you would finance a car. I'd rather work a lower stress job, have my old truck that I spent 1.5k on five years ago and put my savings into something worthwhile. So many guys I know make 40k a year before taxes and have a new car. For what purpose?

at least Jamal will be comfy when they go out on dates

...

Not sure if trolling, or just stupid

...

bough a 6.000$ CAD hyunday accent in good shape. paid 2000 up front and financed 4000 at 6%. I pay 100 dollard a month. I find it a good deal besides the fact that Hyundai accent is not a babe magnet per se...

>leasing a car
>current year

I seriously hope you goys dont do this.

I check the headrests for jeri curl juice and the arm rests for chicken grease daily. So far Ive got nothing to worry about.

You'd be surprised how much you can live without when you come back from rock bottom.

>When you don't option ecoboost

Cuz all white people have $20k in the bank, ready to plunk down on a car.

Guess I didn't get that memo.

>rock bottom
>mommy said you have to start paying your own rent

Not everyone can afford to buy a new car when they need it you retard. With rent and other costs a huge costs of thousands is really hard to pay with cash on hand.

>Thinks leasing is better than financing
kek

I just buy older cars and keep them running.
No car payments but I have spent some money on parts this year.
Altogether my Mercedes has cost me about a grand in new tires, alternator rebuild, fuel line, bottle of wax, sway bar links, and headlight bulbs.
It's a 99 E300 and still looks and drives pretty nice.
And I only spent $15 on coolant for my 1990 Volvo wagon that I bought for $250 10 years ago.
So if you want to do the math my car payment for 2 cars has been about $85/mo.

go ahead and lease that new car....

>>rock bottom
>>mommy said you have to start paying your own rent
Mommy shot daddy because he stopped buying her Oxy and tried to run away with his boss.

This man gets it.

Buying the latest and newest car is a scam. Cars from the 90s still run just as good. They will last 70% as long as a brand new car for 7% the price. Unless you are trying to impress somebody or show off your status, old cars are mathematically superior in terms of miles the car will take you vs cost.

>If you finance a car, you officially give up your status as a white person.

Agreed. The ONLY exception is if you're right out of high school and have just gotten an apprenticeship and need a reliable vehicle to transport your tools too and from jobsites.

>buying a beat-ass used vehicle off Craigslist or from some scheister lot
now that's nigger-tier.

>old benz and volvo
hipster detected

>Doesn't realize that he IS the poorfag and those girls are looking at him with pity.
Car payments are the fastest route to financial ruin around after credit cards and payday loans.

This. 80% of the value of a new car is the "new" part. Car people or car snobs are idiotic.

>muh 40k truck I don't use

>makes 200k
>says that cars are investments when everyone knows that they are an expense

Faggot

700 bucks a month? On a car? And then unless you don't drive it much, you're gonna' have to come up with a few grand when you trade it in because you gotta' keep up with Chad or whoever the fuck you're trying to impress.

Just bought an old dead lady's 07 Civic with 11k miles for $5k cash. Can probably drive it for 8-10 years no problem. Meanwhile everyone I work with is leasing fucking Audis baka

why did you have to remind me of iketani

fuck this hits right in the feels

> New car at 0.9% interest
> only borrow 10k
> this is bad because OP is poor

Nigger get a better credit rating. It's costing me about about two hundred dollars to borrow thousands.

Far from it, I just used to be a euro mechanic.
Those are just the cars I know and the most comfy for me to work on.

If you can't afford to plunk down 20k for a car then you can't afford it. Leasing is retarded right up there with rent-to-own furniture.
Save up a few K and find a decent used one.

Unless you make at LEAST 300k a year your a fucking idiot for buying a 70k car.

I have ecoboost and am too lazy to read the manual, what does it do?

lol this thread, only niggers and fucking retards finance.

>I lease a car
Found the shitskin

fair enough. They seem like a cool thing to own if you know the ins and outs of them

I only make 45k, but I live in apartment connected to parents house for free.

The basement isn't an apartment connected to your parent's house

>45k a year
>buys a $70,000 glorified toyota

Are you black?

In that case, good on you for pulling yourself out of it.

Are you me?

I've had my car since 2008 and I paid $1000 cash for it, and 100% own it. I plan to never owe money for a car payment. However, it really is starting to get old. Starting to get really shitty at accelerating before I hit cruising speed.

op where did you get this?

interest rates are less than the S&Ps year over year.

student loans, low APR house/car payment is literally free money

This is true, but ignores the default risk. Even 0.0% interest loans have significant risk if you default and get your assets seized and credit mangled. The (((lenders))) know this and know the real money is in repossessing cars and then reselling them while still holding you accountable for the loan in court. You paycheck to paycheck people will never learn.

Debt = Risk. Always.

>Are you black?

Lmao this is probably the most obscure traits of black people. They all own cars for six months at a time they bought at high interest.