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1
Posted on 7/8/25 at 1:23 pm to Tiger4life306
My payment is over $1400! 
We financed for 3 yrs w just enough down to get best rate (3.74%)
I figure we'll likely make more staying fully invested and this way didnt have to sell shares and pay 15% capital gains tax. Wouldnt recommend for most but it made sense in our situation.
Previous 3 vehicles we paid cash and drive them 10+ yrs.
We used to be extremely debt averse but now I'm comfortable w paying interest below 6% since we have ample capital working for us long term.
We financed for 3 yrs w just enough down to get best rate (3.74%)
I figure we'll likely make more staying fully invested and this way didnt have to sell shares and pay 15% capital gains tax. Wouldnt recommend for most but it made sense in our situation.
Previous 3 vehicles we paid cash and drive them 10+ yrs.
We used to be extremely debt averse but now I'm comfortable w paying interest below 6% since we have ample capital working for us long term.
Posted on 7/8/25 at 3:38 pm to Aubie Spr96
My truck payment was $628 for 60 months at 2%. The payment for my wife’s was $596 at 1.9%. That’s $1200 a month. Also put 21% into my 401k and the wife does 10%. Also have a HSA that sees money getting invested every year. Very doable. That’s 31% of our income being saved and invested for retirement and had a pretty great few years in the market. Just bought my daughter a new car and qualified for zero percent on that loan. With some budgets a higher car payment is doable.
Posted on 7/8/25 at 3:45 pm to RLDSC FAN
No way in hell im paying either of those amounts.
Posted on 7/8/25 at 3:49 pm to RLDSC FAN
I haven’t had a car payment - lease or loan - in more than 15 years. Buy quality pre-owned with cash, take good care of them and drive them a long time.
Posted on 7/8/25 at 3:49 pm to LSUfan4444
quote:
Avg car payment is meaningless info without the avg loan term.
Yeah wtf
I put $2k a month towards my vehicles and pay them off in <2 years
Posted on 7/8/25 at 3:52 pm to Carson123987
Who is paying $87,000 for a suburban? That note is insanity.
Posted on 7/8/25 at 3:53 pm to GeauxTigers123
And here is an f-150 for $155k. If I’m buying a truck. I’m issuing as a truck. I do not care how much money I make, that price is crazy.
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Posted on 7/8/25 at 3:54 pm to RLDSC FAN
The fact that used is so high is ridiculous.
So you can pretty much get something new with a warranty, for what you would pay for a used car plus the maintenance costs?
So you can pretty much get something new with a warranty, for what you would pay for a used car plus the maintenance costs?
Posted on 7/8/25 at 3:55 pm to RLDSC FAN
With Toyota and Honda in the top 4 in sales while they import zero American made vehicles.
Posted on 7/8/25 at 4:24 pm to RLDSC FAN
How much the note be, with the late fee? 
Posted on 7/8/25 at 4:28 pm to Tiger4life306
quote:That is absolutely nuts.
- 1 in 5 new car buyers take on $1,000 monthly payments - Loans lasting 84 months or longer made up a record 22.4%
quote:Klarna saw $136 million in unpaid debts in Q1 this year.
Then you have all of these Buy Now, Pay Later plans available for damn near anything from NFTs to your weekly groceries…
Posted on 7/8/25 at 4:29 pm to Paco_taco
quote:The craziest thing is, you could get a decent house for that not too long ago.
And here is an f-150 for $155k. If I’m buying a truck. I’m issuing as a truck. I do not care how much money I make, that price is crazy.
Posted on 7/8/25 at 4:35 pm to RLDSC FAN
Seems high.
Posted on 7/8/25 at 4:40 pm to RLDSC FAN
every mom needs a new denali in the carpool line, thats 1400 a month right there.
Posted on 7/8/25 at 6:47 pm to Tiger4life306
Just purchased a new vehicle. $1000 monthly payment for 60 months. Put $35k cash down and rate is 2.9%. If it’s in the budget then why not?
This post was edited on 7/8/25 at 6:51 pm
Posted on 7/8/25 at 6:49 pm to Jon A thon
100% agree with everything in your post
Posted on 7/8/25 at 6:52 pm to Scruffy
quote:
The craziest thing is, you could get a decent house for that not too long ago.
I bought a 4br/bath in Frisco, Tx for that 15 years ago. Sold it 4 years ago for 375k. Market is crazy.
Posted on 7/8/25 at 8:29 pm to RLDSC FAN
Cars are bankrupting America. Add insurance to that. Add gas. If you pay to park for work downtown. Can be at $1000 a month to own a mid tier SUV before you ever pay for gas and maintenance. And every fender bender is a $5000 problem.
Cheaper cars is a huge need. I for one welcome our Chinese automotive overlords
Cheaper cars is a huge need. I for one welcome our Chinese automotive overlords
Posted on 7/8/25 at 9:37 pm to msutiger
quote:
I look around my neighborhood and have no idea how my neighbors afford some of the things they have or things they do.
They are likely living off credit and are maxed out with no ability to absorb any type of emergency expenditure.
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