>be 20 >8/10 gf >Busted my ass from like age 16 to make it early >Made it early >52k a year income after taxes >Upgraded car from 03 camry to 15 accord with luxury package >Moving out into luxury apartment in like 3 months with gf >Feelin like its all not enough for the school I put in and hours I put in >Lookin at carguru >See a '14 Maserati Ghibli >payment goes from $350 to $660 >affordable but makes things abit tighter, little less spending money, little less goes into savings >Have a layout of bills once I move but still haven't actually moved yet >car is available to look at today >legit thinking of bringing the car home today and not even discussing it with gf
And now you're going to buy a car you can barely afford the sticker on, only to have it break the bank on maintenance fees.
You cheeky bastard
Michael Young
I'd live within your means, good forbid; normal car, normal apartment - you yuppie bastard
Austin Evans
Watch Doug Demuro's video on why that car blows.
Get a 5.0 and supercharge it.
Also 52k is pretty avg bro.
Jeremiah Ward
>finance car If you can't buy it outright you can't afford it and therefore its a stupid financial decision. But anyway go for it, when the car finance bubble pops in a couple years time I'll be waiting to pick up a nice nearly new second hand 1 from some tool who couldn't afford it
Jace Russell
why? maseratis are basically show off cars, for the same price you could get something much more performance related. Maseratis are for assholes who show off how much money they have, and you don't really have much to show off (compared to people who buy maseratis). Not to mention any repair cost is going to be 1k+ hell if you get a flat tire it's gonna cost more to replace one tire than to buy a whole new set for the accord
Blake Clark
>>See a '14 Maserati Ghibli
Goofy choice. Don't waste on some overpriced toy like that. Cars are disposable, get something respectable and not so wildly over the top. Blend in.
Liam Sanders
Put some timestamp on this puppy dude
Aaron Harris
>20m EU >college first year >no money >no gf >no real friends >no car >no nothing >come home at 7pm go to sleep 4h later My life story
Bentley Taylor
>if you have to finance something you can't afford it >any and all loans shouldn't exist >nobody should have a house >everyone should drive $5000 beaters or ride bikes
gud 1
Connor King
This. Watch Doug's video
Parker Gomez
Well i certainly wouldn't be on Sup Forums on the first place.
Same expect I'm 22 and have a car. The loneliness is what kills me
Isaac Johnson
Really. I have been lonely for 3 years.
I actually got used to it. I don't feel sad being lonely. I accept my situation
But kind of hurts Seing other lonely people that just can't handle being alone.
Lucas Jenkins
You can find great cars for 5-7k usd.
Benjamin Phillips
I haven't accepted my "loneliness". I've never really been lonely before, only the past 3 months since I moved to a new country. Still trying to meet people daily (Tinder, bars etc) but it's not quite going too well. I usually spend my nights smoking alone and playing guitar
Xavier Hernandez
Dumbass. Buy your nigger car and live like a chump in an apartment for the rest of your life.
Benjamin Cook
$52k is poverty, buy a cheap electric car for work, I bought a chevy volt for about $4k and haven't paid for gas since I bought it. Save your money, invest, Robinhood, and Acorn are great apps. If your smart and young dont listen to your dick, dont listen to your girl, dont listen to your friends. Rich people dont get rich because they waste money on frivolous shit like a broke ass brit GT car. Save, work, put your nose to the grind stone and make something of your life. Quit worrying about how other people see you, do whats right for you.
Levi Phillips
Nice strawman. Mortgages are totally different to financing cars.
Daniel Carter
Not really. You're borrowing money for something you can't afford outright. And it's not guaranteed to appreciate.
Landon Reed
Get the car, fuck everyone. You're young, 52k is not poverty like that autist said. Your girlfriend has no say in anything because she's a woman and its your money. Is she as smart as you? Probably not.
Connor Edwards
Why buy that when the 2005 BMW M5 in manual is a much more fun car to drive? You want a show off car and not a fun car Get something that's actually fun to drive Fuck, I'd say even the new MX-5 is a better choice, and it's a Mazda!
Camden Sanchez
>be 24 >work at sobeys (shitty superstore in canada) >live in welfare trailer in a wild life preserve >ride dirt bike to work everyday >make 24k a year atleast i got to fuck around after 16
Dominic Hall
Long term trend for house prices is up. Mortgages are more or less going to be with you for most/the majority of your working life making short term downturns almost a non issue. On the contrary, a car is more or less guaranteed to depreciate. Do what you like anyway, just remember very few people "make it" by putting everything on credit.
Logan Robinson
>Also 52k is pretty avg bro. Not OP, but 52k after taxes is probably about 65k a year before taxes. Really it just depends where you live and how bad the housing prices are there.
If you make 65k in Kansas you are making a lot of money, but 65k in California is borderline poverty.
Eli Bell
>52k is poverty Look at this wealthy cunt.
I make way less than half OP and have a vehicle, decent apartment, bitchin gaming pc, and a good cable internet connection. How the hell does someone with your kind of money have the ability to worry about shit? Y'all turned into pansies playing life on easy for so long.
Jose Gutierrez
>$52k income So about $2800 take home per month.
>$660/mo car payment $2140 left >$250/mo insurance payment, since you're 20 $1890 left >moving into a "luxury apartment" that is at least $1250/mo otherwise how is that luxury $640 left >utilities $100/mo $540 left >phone bill $50/mo $490 left >gas expenditure $100/mo assuming you live close to work and drive every day -- probably more tbh $390 left >$200/mo on food if you literally never eat out and buy cheap shit in bulk $190 left >netflix, game subscriptions, literally any other household expense or thing that happens = $100/mo $90 left
this assumes you're on your mommy and daddy's medical insurance, and don't pay $250/mo for that.
have fun op, hope gf has a decent job to bail you out, or enjoys those 'luxury' ramen dates
Noah Butler
>>Feelin like its all not enough for the school I put in and hours I put in Being this millenial
Austin Hill
>So about $2800 take home per month. I hate to point out your stupid math, but 52k after taxes per year is 4333 take home per month.
Nathan Gray
>made it >$52k/year
Pick one.
Brody King
you're a dumbass he said after taxes
op is still an idiot but learn to read
Xavier Cox
I wouldn't buy it but it's your decision at the end of the day
Jacob Martinez
4333 * 12 is 51996, are you retarded?
Zachary Miller
Don't do it. I just bought a 2017 focus rs, I love car, it was definitely worth it but damn it sure does make things a bit tighter than without. I make roughly 65k a year from my main job and close to 15k a year from my rental income. Don't be an idiot, if your going to purposely make your life difficult at least get a good car
Elijah Rivera
>The stories and information posted here are artistic works of fiction and falsehood. Only a fool would take anything posted here as fact.
William Butler
didn't see it was after taxes
so add on $1533/mo to the end of that, about $1600 left assuming all those figures are close
if the "luxury" apt is higher than $1250, you save less if you spend more than $200/mo on food, you save less if you have any cc debt at all, you save less if you have student loans, you save less
you can make it work if you spend basically nothing else OP, otherwise your savings are non existent
Carson Gonzalez
>are you retarded? Yes I am.
You seem personally offended by all this. What is bothering you user?
Isaiah Reyes
Get an investment portfolio and a roth dumbfuck dont buy a Maserati. You can have the Masarati when you're 35 and have more money to spare.
Anthony Stewart
what are you on about weeb?
trying to encourage OP not to fuck up his credit at 20 years old and get locked into something he'll regret in a year
Jeremiah Brooks
If you don't own a house don't buy an expensive car, cheap cars are just as good really Never ever finance a car
Xavier Martin
Buy a car you are happy with, not one for looks and long term misery
Zachary Morgan
>financing a car with 20 The noggest move a nigger can do
Caleb Jones
Especially a used out of warranty one... good luck when something fucks up on the car and you have to spend $3K to fix basic shit.
Kevin Scott
I didn't buy my first luxury car until I made $300,000/ yr. OP don't do it. Save your money buy a house first.
Tyler Walker
>moving into a "luxury apartment" that is at least $1250/mo otherwise how is that luxury Where the fuck do you live that 1250 is luxury? That's my rent for my shitty apartment because I've lived here a few years, identical apartments in my complex are 1600 and luxury apartments are $2300+ in my area. Hell, I've seen one a couple towns south that was going for $3800 a month.
Lucas Clark
same I mostly rode my bike and drove a used corolla most of my life. I'm 39 now and take home $729k after taxes. Just bought myself a brand new Acura for $30k last year. It was a stretch but the wife and I made it work.
Sebastian Bell
exactly, if it's $3k/mo which is actual luxury, he's fucked
I said $1250 assuming he lived in bumfuck nowhere where that is actually considered luxury
Jackson Smith
You make 50k a year and you want a Maserati. You have to be kidding me dude, who taught you how to manage money? Let alone taught you about cars?
If you can barely afford to buy the damn thing it's going to be impossible for you to afford maintenance. This is a European car dude, you can't wait longer on maintenance schedules like you can on Japanese or American cars. That shit will break down fast. And the bills will skyrocket.
Keep the Honda, wait a few years, and then buy a fun weekend car. Daily the Honda so your nice car doesn't get fucked up by stone chips, curb rash, door dings, etc
Tyler Lee
>be 36 >single >GED >2 years of tradeschool >no college >92k/year >own small house >drive 2002 pontiac grand prix >on track to retire when 45
Enjoy your artificial penis enhancement. Hope it's worth it.
Brandon Wright
It's genuinely a junk car. If you're getting a car like that, lease a new one. If you mean to have a new car every three years or so, leasing is excellent (assuming you don't smoke). You won't have to pay what may be very, very expensive maintenance.
I drive a 2017 Jaguar F-Type, via a lease, and it's been awesome that way.
Trust me, you want the Maserati name, but everyone in the car world thinks that car is total fucking shit. It's genuinely horrible, just check the reviews. Get the F-Type, Porsche Cayman, or something else, like a general luxury car, and lease it to keep the payments down.
If you buy this car and finance it, it will be a seriously bad move, and all of the maintenance falls on your shoulders. I wouldn't touch it by a mile.
Easton Rogers
finances aside, don't buy a Maserati, they're garbage
Jackson Thompson
Maseratis have horrible resale because the maintenance is awful.
52k is not "made it"
Don't do it, faggot
Jordan Gutierrez
You'll still feel empty as fuck inside don't do it
Jonathan Myers
If you're a 20 year old man-child and people see you get out of this car, they will not think you "made it". They'll think you're a pretentious douche living off of his parents. Also this times 10 if you're not white.
Luke Campbell
How do I 2 year trade school $90k salary?
t. 6 year college bachelor and masters degree $52k salary
Hunter Edwards
Depending on the area, and how many kids (if any) a person decides to churn out, $52K can be very good. I live in the Rust Belt, and make probably $50K myself, and my wife also makes $50K. I grew up in a trailer park, and this quality of living is unreal.
We live in a town home, drive decent cars, travel like a mother fucker, and I chalk it up to not having stupid fucking kids. It's the shit.
Benjamin Martinez
he's 36
he could have 10yrs exp in which case 92k isn't that impressive
Lucas Garcia
Sometimes the trades can be difficult, because certain professions take knowing somebody in order to train. HOWEVER, the trade skills are desperately understaffed, in so many regards. Finding a trade can make you insane amounts of money.
I have one friend, for example, who's probably now in her early 30's, but she decided to become an electrician's apprentice and was instantly making $60K in her early 20's.
Ayden Kelly
Because most trades are in crucially high demand after 2 decades of society insisting you have to go to college. Electricians, plumbers, carpenters, etc, all have huge shortages in manpower. No retarded internships, no high school, none of that. Just do what you're good at, the way god intended. Make fat stacks.
Jason Morris
This^ Don't be a fucking retard. Spend 30 tops on a car. Build your portfolio, and make sure you keep 6 months worth of expenses in a savings account. Start a 401k, buy a fucking house (paying someone else's mortgage sucks). Wait till about 35, then buy something fun. Oh... and don't tell your fucking girlfriend how much you have saved
Joseph King
I should also add: If you're going to actually finance a car like that, you need to make sure the monthly payments are of such little relevance, and so easy to pay, that maintenance won't cripple you.
I know I said it before, but look into leasing. If you can budget for always having a car payment, and you like prioritizing a car in your life, it's the best possible option.
Jaxon Ross
Is your island loaded with faggots like on Mykonos?
Jason Watson
You are giving up on getting ahead at 20 years old for a stupid car you could buy in cash in 3 or 4 years if you invest the money instead. Well, you will deserve the paycheck to paycheck life that might end in poverty anytime that you are trying hard to cultivate.
Logan Williams
>all the butt hurt in this thread $52k after tax at age 20 is excellent. Most 20 year old I know are busting ass in college as they will be for another 2 years until they graduate for a $50k starting job, MAXIMUM, and that's assuming they're not taking a meme degree.
Don't listen to them OP. You're doing good, also don't buy the car you fuck head. There's always later, you're still young.
David Turner
nobody said he wasn't doing good
people are saying don't buy the car or at least don't buy a fuckin maserati shitli
Jackson Bailey
Life is about doing what makes you happy. If you question that, you'll continue to do so until you admit defeat. Your choice.
My decisions were taken away from me. From my understanding, happiness is forgetting unhappiness. How could I forget, if I can't?
Kevin Richardson
The thing that pisses me off is that it's for the Maserati name, and it's only going to trick people who are too dumb to realize that the Ghibli is fucking trash.
He could lease a number of Mercedes, BMW, Audi, or other models, and save a fuck load.
Ryan Allen
...
Jose Jenkins
Cars are a waste of money. And $52k isn't a lot really. I make more than twice that and would probably not considered a $600/mo car payment. It is like burning cash.
Hudson Rodriguez
im14andthisisdeep
John Harris
A house is fine if you are in a reasonable market. Shit I have three because I can get them for $100-150k each and rent them for close to $2k/mo.
Christian Torres
bruh fuck all these hatin ahh niggas mane. go whip that mase like a bad bitch cuh
Mason Hill
>I make $104,000 usd after tax
Sure you do kiddo.
Kayden Miller
This is a depressing thread. Remind me of that dumbass on YouTube who bought a Lamborghini he couldn't afford and soon after lost his job.
Austin Barnes
japanese cars are the best. fuck the english
Adam Moore
It's your money, do what you want. If you can do it, and want to do it, then fucking do it. But also consider maintenance and insurance. Those are not cheap to own.