/biz/ - Business & Finance

>dont buy at all right now if you dont have to
This, I'm perfectly happy with my e-bike instead.

For context I personally am considering buying something new at 0% for 36 months.

>>52249054
if you can, wait until used car prices come down
used vs new for some cars are the same price now
finance a 2017-2020 used car for max depreciation savings
ideally wait until used prices come down

It depends on how much money you have. If you're wealthy and already have investments and can afford to keep investing, it's fine to buy a nice car because you're ok financially and you'll be better spending some money to have some fun.

If you don't have a specific plan and money can be an issue as it is for most people, yo must obtain some financial security because it's what will improve your life the most, in that case used is usually best value, just a bit annoying to change some parts here and there, however, mechanically decent used cars can still run a lot sometimes and cost a fraction of new.

I would only consider not buying if I lived in a city center and can access everything, otherwise, a car is a must in my opinion, you shouldn't have rely on others

>>52249054
have a ton of money? slightly used r8 or hurrican with a twin turbo
have a lot of money? slightly used rs7 and throw a ds1 on it
otherwise i'd get a used civic ex and call it a day

>>52249054
>>52249054
If you have 100k plus in savings get a new car loan. If you are worth like 20k get a cheap 15k car.

>>52249054
It depends. If you are black, Indian, Arab etc… you should lease a new German sports car. If you are white, you should buy a used Japanese sedan.

If you are poor you need to drive a nissan versa, toyota yaris, honda fit or any 4 banger that does 30 mpg. you can find em for 2 grand in america and up running.

>>52249282
Blacks buy Chargers and Challengers and shit though?

>>52249054

Rich? McLaren F1.
Well off? Aston
Middle class? Huracan / NSX / GTR / 911 Turbo
Lower middle class? M3
Poor? C-class or Supra

Seriously? Elantra or Civic if you can afford it new without credit, after shopping around for MSRP. Why? Because maintenance of a used car will exceed depreciation on base models or kill you on time (NOT a good use of time).

If you can wrench / like to wrench / and/or really can't afford a new car, it makes sense to buy something cheap to maintain used.

>>52249054
This one as a used car.
Drops extremely in value the first years, a 250k car you can get for under 100k with not many km on it

>>52249054
I bought a 2 liter 2017 mazda 3 manual 6 speed with 70k miles for $11,600 a couple years ago. Gets 34.4 mpg city, 42.4 freeway. loads of space in the trunk, seats 5, and can actually hoon with it if you're not a shitty shifter. you wont have to upgrade until you have more than 3 kids.

its also beating out every other car in reliability. You can't lose with the thing. So i suggest buy one brand new or used. Either way, again you cant lose.

I went to chipotle today but now I regert it. I guess what makes sense for 30 somethings is not spending money on frivolous bullshit.

>>52250143
>>52249054
I was 19 at the time and its definitely not a "30s something" looking car so you wont look like a car cuck or an old dad driving it.

>>52249919
That's because they are Audi and any from the VW group is trash

To me the best option for a new vehicle is a hatchback. Not too expensive, good mpg's, plenty of cargo space, good handling.

CUV/SUV - female vehicle and shit handling.
Trucks - Shitty handling, mpg's, hueg.
Sedans - Less cargo than Hatch and more expensive.

lease if you have an LLC and can write it off as a business expense (and actually do use it for that purpose, somewhat)

otherwise literally just depends how much money you have and how into cars you are. Wouldn't buy new unless you want a very specific vehicle with specific packages/mods that you won't find used

>>52250242
not even close. r8s are the fastest street legal car there is after you throw a twin turbo on it. will smoke million dollar cars. and the v10 is extremely reliable. lamborghini puts theirs in the huracan (can also be tt'd)

>>52249054
The sweet spot in terms of value / looking rich and successful is a used Tesla Model S with free supercharging. If you get the right model (a 75d or a 90d) and avoid the bad ones (any pre-facelift car, and any RWD model) you should have no serious reliability problems for a very long time.
Not only does it kinda make financial sense (you buy a car get the fucking fuel for free) but, unlike any other economical car, you get to drive something that is seriously impressive to normies. A Tesla Model S is one of a few cars that will actually get you laid.

>>52250469
This is like a rich bro's version of my 240SX with a turbo'd KA24 is totally reliable bro.

>>52250469
>Just a few simple mods bro
>Lameborghini
You must be 18 to post her champ

>>52250745
you pay a 1 time fee and someone does it all for you, it's not like your retard 240sx sorry kek
>>52250847
lamborghini took audi's engine. l2r retard

>>52249250
>have a lot of money? slightly used rs
can make sense unless some idiot
>and throw a ds1 on it
turning it from a collectable into a disposable

For medium-priced dream-cars of 15 year olds (RS-Audi, Nissan-GTR etc.) buy something that usually gets fucked up in original factory condition.

>>52249054
>makes the most "sense" for 30 somethings?
depends on income, first calculate what you are willing to waste if you like cars and don't just see them as means for transportation (just get a used Toyota) and ask /o/ unless you know a collectable you want and don't drive much.

I have an ex cop charger and a beater motorcycle. Those 2 are almost all I need desu. Spend mnew where you spend your time. Do you drive a lot?

If you're not driving a 90s car you're blowing life

>>52249054
Buy a used Accord

>>52249054
i made mid 7 figures off crypto and i drive a 26k mazda 3

>>52251004
>has never owned a modified car, or even a German car at that.

>>52250143
still driving my 06 mazda 3 manual, not giving it up until it rusts. even with the maintenance I've had to do on it, I've put no more than 14k into it--which includes purchase price--since I bought it used in 09. So, that's basically $83 a month since I bought it, not including gas/ins. With my 6 months no interest credit card, maintenance is fine because even the priciest issue I can pay off in 6 months.

>>52249054
If you're single, a used 125-300cc motorcycle.
If you have a family, a used minivan.

>>52251221
There are plenty of stops between motorcycle and minivan but other than GF I dont have that concern.

>>52249054
I had this question in my head for a couple of years and then I decided to buy a Tesla. They're extremely fast, comfy, and depreciate much slower than ICE cars. Plus I save thousands of dollars per year by not having to buy gas.

>>52249054
it wildy depends on your needs and location faggot, the fat that you're pondering this question probably means you don't need one

>>52251840
>Plus I save thousands of dollars per year by not having to buy gas.

>>52252066
Seethe poorfag. My previous car was a 6-speed manual and I bet your dumb Corolla ass can't even drive one.

>>52252177
>Seethe poorfag. My previous car was a 6-speed manual and I bet your dumb Corolla ass can't even drive one.

Take the truck pill if you live in the city. Trucks command the street, destroy potholes, are more comfortable and cuties feel safer in them. Also, snow.

>>52249054
park ave is the best car ever made. its so good they made fun of it on adult swim

>>52251865
I mean I do need one, why the hate? I already have a car that is dying and I need to replace it and I just so happen to have some dosh, not a big deal....

>>52253587
But if it's a bad time I can make do without if absolutely necessary as I do live in a city, thus the good faith question.

The car reckoning isn't even started yet, but it's coming so I would honestly hold off. The prices are still fucking silly for new and used. Doesn't matter how much car you can afford, it's just a stupid time to buy if you don't need to.

>>52249054
>dont buy at all right now if you dont have to
>buy used
>lease
>buy new
in that order

>>52249054
if I'm poor buy second hand car under £1k

if I'm rich buy second hand car under £30k

simple as, cars are always depreciating, and i would only buy executive saloons or estates

>>52251107
based
everyone above my post ngmi

>>52255201
Thank you for the concise advice

this is a pussy magnet

I'm worth 400K at 30 and i live in the balkans
i work from home so i dont have a car
my gf has a 2007 mini cooper worth 2000 euros
if i had to buy a car i would buy a 2000 euros peugeot 206
car people are faggots, you don't impress anyone because you have a big car
if you try to steal me the priority at the corner i will take you out of the car and beat you up like the little pussy you are
only pussies need big cars trying to impress people
all these boomers driving ML, X5 X7, Q7 have this tiny dick energy it's so cringe

>>52249054
Don’t buy a car until you have 5x the total price of the car saved up in an investment account.
I bought a $50k car back in 2019, and I had $250k invested.

>>52249054
Buy used if you have cash, preferably a Toyota or Honda sedan. They will never break down and have good mpg, and you can get hundreds of thousands of miles on them. Cars are a tool to get from Point A to Point B. Also this is a terrible time to get a loan due to interest rates. Must use cash to buy if you have it.

>>52256948
you couldn't afford it
poorfag

>>52256893
are you a bong by any chance anon ?

>>52249054
walking

>>52249054
my networth is 700k euromonies, i drive a 14y old Benz that i inherited from grandparents
expensive cars are for suckers, leasing new cars is the most retarded shit i ever heard
if you need a car, so be it, drive something that is safe and economical nothing more.

>>52249054
leasing almost never makes sense

>>52249087
That's at least 10 years away if it happens at all.

>>52257157
fuck anglos

>>52249054
The past 5 years I have been buying cash vehicles and fixing them up
t.31

I'll only buy a car if theyre truly self driving because I hate traffif in the City. Until then im taking the Subway.
t. kraut

>>52250357
america is sadly devoid of hatches and wagons. (((they))) dont want us to have utility, good mpg and aesthetic while we use the method of transportation (((they))) forced onto us.

>>52257428
ahhh i see you're a brownoid, checked, cope and seethe

>>52251091
Nice. Used accords cost more than most cars new

>>52256948
This but 20x

You should never spend more than 5% of your NW on a car

>>52257240
New can make sense if you run a business and the depreciation is compensated by value/loss on paper deducting more in taxes than it actually loses value. Bought privately new is stupid though and for business it greatly depends on local tax-law.
>benz,
if it has air suspension (default for estate) be aware that it'll be an expensive repair once it starts leaking.

Multiply your net monthly income by 8 and that's the maximum amount you can afford of a car

>>52256879
>2-door convertible
Is there a more cucked vehicle type in this world?

>>52249076
>e-bike

>>52249087
how is 2017-2020 max depreciation savings you retarded faggot

>>52250600
Homosexual detected

Finance and pay off or refinance early depending on how next few months will go to get that credit score

>>52249054
buy a 90s car with a stick shift

>>52250600

I unironically got laid with a Tesla Model 3 performance, not even memeing. Maybe I should upgrade to an S

>>52250600

It’s fucking hilarious how actual car enthusiasts hate teslas with every ounce of their body but normies are impressed by them. The thing is if you buy any of these autist cars that /o/ types love, you will only be impressing other car guys. If you want to impress women and normies, you need to do the opposite and buy a Tesla

>>52261696
if not larp i pity faggot like u

>>52261741
>t. retard

>>52261774

Tesla is the iPhone of cars, stacey doesn’t give a shit about your stupid Mazda lmao.

>>52261764
Don’t care I had sex with a big titty Jewish girl

>>52261836
every woman on earth gets wet over bmw's , literally no bitch on this planet even cares about an electric trash can aka tesla. Get a grip you fucking incel

>>52249250
Lmao @ this zoomer. First off its "Huracan", second off LMAO @ "muh twin turbo". Fuck off back to >>>/o/

Thirdly LMAO @ this Audi fanboy. There are a half-dozen better cars for the money than a fucking used RS7.

Final verdict: suicide

>>52260860
u jelly

>>52261878
you’re too poor to own any of this stop larping

>>52261871
women dont even know what bmws are either. they think 320is mean you’re a gangster
nothing works on women as well as a lambo or porsche if you can afford it

>>52251021
you’re braindead wtf are u guys larping nonstop for. u just take the ds1 off. as long as you dont run the launches up, or reset that, no body would know anything
the engine can easily take it. porsche and lambo use audi v8s and v10s in their own cars, porsche helped with the rs7 engine

>>52261871
Have sex, incel. Women couldn't tell apart BMW from a Toyota. It's all about colour and how shiny it is.

>>52260199
for business there are totally different rules thats correct, my Benz doesnt have air suspension.
I do most of the maintenance myself, will replace the shock absorbers soons.

>>52249054
Buy a used Lexus with a low interest loan dragged out as long as possible and never look back
This is assuming you're not poor, if you're poor then just do the same thing with an older toyota

>>52250600
If you rely on a car to get you laid then you really have some fucking problems.

>>52263926
What’s the best Lexus that says fuck you nigger tongue my anus

>>52264538
Lexus LFA but they're limited quantity collectors items at this point and sell for around half a million last I checked
Your other option would be the LC500, that's a quality comfy cruiser car
I have an IS 350, it's nice and matches with my image of being a younger business guy that isn't poor and cares about my reputation etc

>>52249054
Depends on the car/mileage/market & if you are using it for a business.

For most people, buy low (10-30K miles) mileage & well maintained/serviced cars that are 3 years old, a ton of them hitting the market at that time due to leases ending.

Then do only basic preventative maintenance. Oil changes/brake pads/new tires at 50K, and dump your bags on the next guy at 80-90K miles, since nobody wants to buy cars with over 100K miles.

>>52249076
e-bike? or e-bicycle? If it is still a bicycle then awesome if not then why? Motorcycles already have good MPG, affordable and sound better. The only downside is that you have to register a license plate which oftentimes comes with property taxes, but that will come to e-bicycles soon.

>>52249054
depends on your income. if you are making enough to buy a new $40k car then go ahead and do it. it will have a warranty and you wont have to worry about repairs for a long time.

if your not making much then go for a used car. but just DYOR because not all models and brands are good used. stick with toyotas and hondas.

or if your a poor fag just search around for an old beater someone is selling for a few hundred bucks. work on it and try to get it working. sometimes people sell cars cheap beause they think something big is wrong with it but it's actually something small that can be fixed cheap.

>>52262381
LARPing as what? Kill yourself retard

>>52251091
just sold my 2016 for 15k.

>>52265323
>e-bike? or e-bicycle?
Same thing? I don't understand the question. A bike is a bicycle, not a motorcycle, if that's what you're saying.

>>52252066
this is only true if either free supercharging or in the US.

european fast charging (superchargers, not the puny charger at ikea) costs 0.80 to 1€ per kwh, meaning a 100 kwh costs more than 100€ to charge (charging inefficiencies) and gets you 500km of range at most. (realistic range, not advertised range). so 20€/100km. even at current clownworld prices of 2€/l of fuel if your car burns less than 10l per 100km, charging is more expensive than fuel.

used cars are such a pain in the ass because nobody sells a car that has nothing wrong with it

I got a new Honda hrv during the covid car shortage bullshit that should last me atleast 10 years for 26k and only like 1500 of that is jew fees. I dunno seemed like the best option personally instead of driving a shitbox or leasing

>>52269203
Good on gas, plenty of storage space and looks alright.. I dunno if you are a nigger, tranny or redneck you could spend spend 3x more for a meme car (tesla for trannies, truck for redneck, some overpriced bullshit for niggers)

>>52249054
assuming you can afford it, buy what you want and enjoy it. don't ask these fags for advice

>>52264919
2nd the IS 350. They look great and are affordable for 30s white collars

>>52249054
I'f you're talking about just a transportation method: buy a 8-10 yo used car, well maintained, japanese or other reliable manufacturer, and the moment you don't need it, sell it to get the max amount of money back.
I've been doing that for 15 years now, I've had 5 different cars and excluding maintenance, insurance, gas, etc, I've spent less than €2k.

for me, lambo

>>52249054
>>52249054
woops. used 2011-2013 lex 350 (e or rx) or any toyota. i just saw a guy selling 96 rav4 for 10k. dont be that stupid, go by nada trade in value

>>52269203
>1-seater

>>52261878
They were just suggestions, the fuck is your problem?

>>52249054
Buy a used 10 year old prius. Drive it to the grave. Repeat.

>>52249054
>dont buy at all right now if you dont have to

>>52252891
They also burn through gas insanely fast and gas costs the most in the city.

I lease a Model Y through my company. The payments are a business expense and the private use is taxed at only 1/4th the normal rate because it's an EV.

I'm gonna buy a 2018 VW golf GTi as my second car.
Thoughts? Very affordable for me whilst still being fast and roomy enough with a decent interior. Also they retain resale value pretty well

>>52249054
Used, bunt only japanese and no turbos.

>>52249250
>have a ton of money? slightly used r8 or hurrican with a twin turbo
>have a lot of money? slightly used rs7 and throw a ds1 on it
So, don't do any of this.
>otherwise i'd get a used civic ex and call it a day
Skip straight to this

>>52261589
>bmw
Not denying they look nice and drive well, but I hope you're prepared to cough up when it breaks. I say when, not if.