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Started By
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re: Who’s buying a new truck this month and what prices and financing numbers are you getting?
Posted on 3/17/24 at 8:26 pm to DiamondDog
Posted on 3/17/24 at 8:26 pm to DiamondDog
quote:
It's promotional 0% or cash for me.
They build that promotional 0% into the price of the truck, baw.
1
Posted on 3/17/24 at 8:27 pm to Miglez
SMH
This post was edited on 3/17/24 at 8:33 pm
Posted on 3/17/24 at 8:29 pm to Miglez
quote:I hope no one actually takes this advice every time it's posted in these types of threads.
If you can't afford to pay cash for a depreciating asset then you can't afford it.
It's just a thing people say but they don't really know why they say it.
Posted on 3/17/24 at 8:33 pm to Tantal
quote:
They build that promotional 0% into the price of the truck, baw.
Not if you actually know how to negotiate. Negotiate everything separately.
Posted on 3/17/24 at 8:34 pm to Saint Alfonzo
Idk, paying more than $400 a month including insurance on a depreciating item just seems so silly to me.
You’re spending $500 a month before taxes on income for said note. Imagine having two notes.. that’s $1000 a month before fuel.
Give me a 100k mile toyota.
You’re spending $500 a month before taxes on income for said note. Imagine having two notes.. that’s $1000 a month before fuel.
Give me a 100k mile toyota.
Posted on 3/17/24 at 8:35 pm to BearCrocs
quote:
paying more than $400 a month including insurance on a depreciating item just seems so silly to me.
Including insurance?
You paying $200/month for your vehicle?
Posted on 3/17/24 at 8:35 pm to DiamondDog
quote:
Not if you actually know how to negotiate. Negotiate everything separately.
You sacrifice rebates for the 0%
Posted on 3/17/24 at 8:35 pm to BearCrocs
I’m paying over $4,700 a month on three notes 
Posted on 3/17/24 at 8:36 pm to KosmoCramer
quote:
You sacrifice rebates for the 0%
Posted on 3/17/24 at 8:37 pm to BearCrocs
quote:
Idk, paying more than $400 a month including insurance on a depreciating item just seems so silly to me.
Our insurance is more than $400/mo but we do have a teenager on there. It sucks.
Posted on 3/17/24 at 8:37 pm to DiamondDog
K
Posted on 3/17/24 at 8:56 pm to fallguy_1978
quote:
On average, if you are making 85k you can't comfortably afford a 58k truck. That's a very unwise financial choice for 85% of people in that income bracket at least.
I am trying to apply your math to my situation. So I make 350K so I cant comfortably afford a 305K truck and it is a very wise financial choice for 350% of the people in this income bracket at least? Did I get that right baw?
Posted on 3/17/24 at 9:04 pm to Hank R Hill
quote:
Did I get that right baw?
You could probably afford a Lariat unless you have credit card debt.
This post was edited on 3/17/24 at 9:10 pm
Posted on 3/17/24 at 9:11 pm to Hank R Hill
quote:
Hank R Hill
You can afford anything Tom Hammond says you can afford.
Posted on 3/17/24 at 9:30 pm to TJack
quote:If you're paying more than 600 per month you're probably a poor with no cash to put down. Losers pay $700+ car notes.
I’m an OT poor and can only afford a $600 note
Posted on 3/17/24 at 9:33 pm to Miglez
This reminds me of how my wife’s sisters husband bought an f150 with 90k miles on it. He installed a lift kit, new tires and a bunch of other crap.
It’s like pulling a crystal chandelier in a condemned house.
It’s like pulling a crystal chandelier in a condemned house.
Posted on 3/17/24 at 9:34 pm to fallguy_1978
quote:Blowing 58k on a truck is an unwise decision for people making $250k. What a waste of money. You can get a well equipped truck for 32k.
On average, if you are making 85k you can't comfortably afford a 58k truck. That's a very unwise financial choice for 85% of people in that income bracket at least
Posted on 3/17/24 at 9:37 pm to Jake88
quote:
You can get a well equipped truck for 32k.
Not anymore. Maybe a used Colorado. A new work truck is 36k.
I paid 32k for a crew cab XLT F150 in 2017. That truck is 56k or so now.
10k off MSRP 6-7 years ago was the norm, but it isn't now.
This post was edited on 3/17/24 at 9:40 pm
Posted on 3/17/24 at 9:43 pm to Hank R Hill
The kicker is taxes. 58K+ $5800 in taxes.
Govn't is killing the working man in taxes.
Govn't is killing the working man in taxes.
Posted on 3/17/24 at 9:52 pm to BearCrocs
quote:
Give me a 100k mile toyota.
That's damn near new by my standards. I live less than 3 miles from work, almost everything else that I do is within a mile of my house, and anytime we go anywhere as a family, my wife wants to take her car because it's easier to get in and out of. I can't justify a $1,000 car note plus $100+ in insurance to drive 200-300 miles/month, so I drive old (200K+)'Yotas that I pay cash for.
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