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Message
re: Avg monthly new car note $773. $44K financed
Posted on 6/19/26 at 7:06 pm to Barbellthor
Posted on 6/19/26 at 7:06 pm to Barbellthor
...
This post was edited on 6/19/26 at 7:10 pm
1
Posted on 6/19/26 at 7:07 pm to lsu xman
$0
Haven’t had one since 2020
Haven’t had one since 2020
Posted on 6/19/26 at 7:08 pm to Rsande63
..
Posted on 6/19/26 at 7:09 pm to BowDownToLSU
No, you also have a ridiculous note. You’re one.
Posted on 6/19/26 at 7:19 pm to lsu xman
70 month loan at 7%APR? on a depreciating asset? 
Am i reading that right?
Am i reading that right?
Posted on 6/19/26 at 7:53 pm to lsu xman
I downvoted, but only because I put $27.5k down on a $53k truck earlier this year.
I outright own a 22 QX80 though.
I’ll own my truck sometime next year.
I outright own a 22 QX80 though.
I’ll own my truck sometime next year.
Posted on 6/19/26 at 7:57 pm to UptownJoeBrown
quote:
My youngest vehicle is 2007. 19 years old now. Wife’s daily is 1998. 28 years old. Yall go to work in your new cars to pay the note on new cars. Not me.
You know there is a happy medium?
Not that there is anything wrong with it but not sure driving a 20-yr old car is necessarily a point of pride either
Posted on 6/19/26 at 8:15 pm to lsu xman
Anyone that chooses to finance a vehicle for more than 5 years is a fricking moron. Especially used.
This post was edited on 6/19/26 at 8:16 pm
Posted on 6/19/26 at 8:20 pm to back9Tiger
nm
This post was edited on 6/19/26 at 8:35 pm
Posted on 6/19/26 at 8:23 pm to magildachunks
quote:
Car dealerships have lost their god damn minds.
Constantly complaining how nobody is buying cars, no matter how much they try to push the issue. Nothing they do is working in moving product and closing the deal.
The one thing they refuse to try is making vehicles affordable for people.
Don't tell me that the reason cars are so expensive is because of the features and systems that come with them. Take that shite out.
Give me a basic car that drives, not a computer/entertainment system that drives.
I don't need a smart tv as my dashboard, and I don't need to sync my windshield wipers to my phone through an app. I need a car that will run on gas, windows that roll down by handcrank, a seatbelt, and an airbag. That's it.
Wait do you think car dealerships determine what features are in?
If you want a car or truck that doesn’t have a screen go buy an older car. No one is stopping you from driving a 2011 Silverado.
Posted on 6/19/26 at 8:25 pm to lsu xman
I got a newer car in oct 25 after my other car was paid off. Was getting up there in mileage and I was sick of having a manual transmission in BR traffic. My note is 370 a month and I hate it. Ain't no way I could sleep at night with having double that. The car that i drive now is a Honda - hoping I can get 15 years out of it.
This post was edited on 6/19/26 at 8:29 pm
Posted on 6/19/26 at 8:33 pm to 844_Tiger
quote:
70 month loan at 7%APR? on a depreciating asset?
Look, I've never had a interest rate that high, and people certainly over extend themselves on vehicles because they can take out long loans. But the depreciating assets thing is just stupid. Money is money. If I have a 60k vehicle I want at 4% interest, why would I touch the money I have making 7%+ in my investments? If I pay cash for it or finance it, it's still depreciating. Except paying cash, I don't give my money the opportunity to grow because I sunk it all into a depreciating asset. If you care about depreciation, don't buy a new vehicle. Has no connection to financing or not.
Posted on 6/19/26 at 9:00 pm to danilo
quote:
Paid off 2019 with less than 40k miles. Want to keep this sucker for a while.
Now pay yourself the note (or half the note). Put in money market at 4%. Do so until time for next new vehicle. Build that cash for option to never having car note again.
This post was edited on 6/19/26 at 9:04 pm
Posted on 6/19/26 at 9:09 pm to tadman
quote:
They may tell you its zero percent. But it's not. That "price" you pay for the car is actually the price of the car plus the present value of the cost of the interest, then sliced up into payments for the next few years..
quote:
A $50k car at zero percent is actually a $43k car and $7k interest that they tell you is a $50k car at zero percent
This!
You are paying finance charges upfront in price in that 0% loan.
Posted on 6/19/26 at 9:13 pm to lsu xman
Car note, haha. 
Posted on 6/19/26 at 9:48 pm to magildachunks
quote:
Give me a basic car that drives, not a computer/entertainment system that drives.
We have a cheap kia we bought new. Runs great, hope to keep it a while.
We need another car. I kinda want a truck. I had my stepdad's 1997 GMC Sierra 1500 when I was in high school and college. Ran great. Mom sold it eventually, but it was a great truck.
Every truck out there looks like a goddamn tank. I just want an old ranger or something. I'm thinking I'll have to buy a used one cash. Trouble is I don't know much about vehicles.
Posted on 6/19/26 at 9:56 pm to RIPMachoMan
quote:
Not that there is anything wrong with it but not sure driving a 20-yr old car is necessarily a point of pride either
You don’t know what kind of cars we have. Typical pedestrian assumptions.
This post was edited on 6/19/26 at 10:00 pm
Posted on 6/19/26 at 9:56 pm to RIPMachoMan
quote:
You know there is a happy medium?
Not that there is anything wrong with it but not sure driving a 20-yr old car is necessarily a point of pride either
Dude is going to die with millions in the bank and a rust bucket in his driveway.
Winning?
Posted on 6/19/26 at 10:28 pm to lsu xman
live within means
save and invest
buy used, cash
save and invest
buy used, cash
Posted on 6/19/26 at 10:34 pm to Jon A thon
the problem is people who don't have significant assets purchasing $60k vehicles and don't save money
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