/biz/ - Business & Finance

>>56032736
Your a low T. Male so you wouldn't understand.
t. /o/ chad

>>56032745
/o/ loves their shitboxes though

>>56032736
>cheap shitbox that will get them from point a to point b
Obama made those illegal.

>>56032736
Because they are inferior genetically, so they need a material item to increase their self worth

Remember in your teens when you were spending all your time looking at websites for BiS gear list for your WoW character or your favorite CS skins on steam?

Well normies spent that time looking at Car websites looking for what car they're going to get obsessing about it, so when it finally comes time, they're willing to do anything to get it, even if it means paying a semi-tier mortgage payment every month for it.

Sort of like how you ruined your life trying to min-max your video game stats.

>>56032736
because they're dumb with a huge ego

>>56032736
Mimetic desires

>>56032764
It really all comes down to this. Literally everything people do is about peacocking

>>56032777
Rene pill me anon

driving a nice car helps you get laid
whether you like it or not

Everyone in this thread - go pull up to a parking lot where a ton of people see you in a rusty corolla while a kid pulls up in a 718 and someone else pulls up in a Q8. Tell me you won't feel even a little sting.

>>56032799
I got the most pussy in my life when I lived in a city, whores never saw what car I drove.

>>56032736
a lot of people on here are obsessed with cars too. it's hardly the preserve of some different type below people who use this site

>>56032801
Normie detected

>>56032799
>driving a nice car helps you get laid
False

>>56032801
Oh no what will the random strangers ill never see again think of me

>>56032801
>Dings your door with my rusted out shitbox
Oops.

>>56032736
Bc they are essentially female. They want to seduce women into thinking they are rich and then seethe when these cheap gold diggers fuck them over with alimony a few years down the road. I make quite a bit of money, ride a 2012 honda civic and when I started dating with my gf I took her to McDonalds to test her. Now we go to fancy restaurants but only bc she passed the gold digger test.

>>56032769
How is buying a meme depreciating asset with a loan in anyway minmaxing?

>>56032801
I drive a 2009 merdes A class to work bcs I want to stay under the radar. I have a 2021 M5 in the garage but I dont want the plebes to suspect anything. Feels comfy

>>56032801
my car is paid for while the bank owns his car and charges him 10% interest on it. So no, if anything I feel that he is a retard.

>>56032818
Except they aren't- they are people you know and are competing with.

>>56032822
Yea, that's the benefit for sure. Except your water pump decides to fail. Oops.

>>56032807
Here since summer (a summer way before mootikins left)

>>56032828
Exactly. You only get a loan to acquire assets with positive cashflow. That allows you to pay the loan so you get the asset for free.

>>56032831
You basically made it if it's paid off. That's different. Imagine you are broke.

>>56032841
No sting when you are actually there? No desire to sperg out with that explanation? None?

>>56032801
I would drive one of those little Japanese utility shit boxes if the government had not made them illegal

>>56032803
living in the city is going to help you as well, much more than driving a nice in a quiet town
>>56032810
so you think it doesn't make even the slightest difference? say you go out on a date with some vapid bitch of tinder and pick her up in a '97 corolla compared to a GTR where the acceleration glues her to her seat... you don't think that's going to help at all?

obviously a good personality and other traits goes a lot further than a car, but for some guys getting a nice car is easier than being better with girls (I drive an '03 honda element for reference)

>>56032844
And I know how to fix it, vs being some cuck who goes to the dealership and pays $1,000 plus tip. Don't forget your cabin air filter, faggot.

>>56032844
>Except they aren't- they are people you know and are competing with.
So then ive won at competing with them then since theyre spending all their money on basically an expensive shiny toy.

>>56032865
Nah. he will learn the hard (fingers crossed it will be the repo man bc the bad outcome is him working his whole life and not having enough to retire). I'm not his dad and even if I went out of my way to tell him that he wouldn't care as nobody values free advice.

>>56032745
/o/ is a shitbox board you fraudulent newfaggot

>>56032736
Buy cheap shitbox.
True to its name cheap shitbox shits the bed and its annual upkeep is $1.0-1.5k a year
Buy newer "meme" car. Service twice a year gets you from point A to point B
Hmm don't know why these stupid fucking normies do this. Only poor people and stupid people buy shitbox cars. Shitbox cars aren't the same today as 90s shitbox cars where you could buy a part and work on it yourself.

my dream was to get a new(ish) honda civic

>most reliable engine
>extremely good gas (40mpg on the highway)
>not slow by any means
>has all the modern amenities and bells and whjistles, apple car play, etc.

So i got a 2016 honda civic back in 2018 and been super happy

/o/ was right

>>56032764
It basically boils down to this. A lot of guys think driving a nice car will help get them access to pussy, or a girlfriend, etc. Humans are just animals, at the end of the day.

>>56032736
because they don't understand that the only vehicle that gets you pussy is a motorcycle

What do you guys think about the Honda Ridgeline RTL-E?

>>56032968
I drive a 124 spider because I fucking love flexing on slow cars in the city. Also everyone around me drives like a fucking retard (commiefornia), so I need a fast agile car to stay alive.

I don't consider my car to be fancy though as it costs less than 30k

>>56032801
i would never drive an expensive car to work, people love to hit and ding cars in the parking lots

>>56032941
>paying $1k a year max for maintenance is more than paying $30k for a brand new car with 10% interest plus tip

Social status is #1 priority in normalfag land and a car is the #1 social status object for normalfags. They'd rather starve and drive a "nice looking car" than eat good and drive a cheap functional shitbox.

When they get a car they don't go "wow, this car is actually 90% of my current networth that's too much!", they just see if they can squeeze in another neverending debtmaxxed monthly payment to just sort of survive till the next month tand that's it.

>>56032877
Ah, the famous "I know the order the flywheel, clutch, pressure plate, and throwout bearing get put in as well as how to read DC voltage on a multi-meter" defense.

I am sure the CxO / director of your company doesn't and can't tell you how a Cessna engine works on top of that. Nor does the $20/hr mechanic next door.

>>56032801
I drive a 2014 focus with 100k on it and have enough cash in my checking account to buy either of those outright plus my home is 100% paid for
I do not feel a thing in parking lots

>>56032736
I just don't get why you're all so puffy and excited about NFTs and link when there's x.com pumping for weeks with no sign of stopping....

>>56033288
So your annual income is $100,000 / 3, round to $35,000 * 12 or $420,000 a year? Which is the line for buying those cars "outright" as a "reasonable financial decision".

>>56032736
Buying a shitbox only makes sense if you value your time spent fixing it at $0
That's why I lease a brand new Mercedes S-500 every 3 years.

>>56033381
How much have you paid for that in the last 9 years for the 3 different cars? ( assuming its been 9 years)

>>56032736
Have you considered that cars are cool? Is this all just poorfag seethe?

>>56032736
because the tv told them they would have more friends

>drive an 03 Acura with peeling paint and blasting metal with the windows down
I like that it bothers you.
It fuels me.

>>56033684
How often do you get pulled over? How many "voluntary" searches?

>cheap shitbox
Thing is - There’s no such thing anymore.

Even the shitboxes are hilariously overpriced now. Want to pay $30k for a car with 100k on it? Well, now’s your chance!

So, it’s either that, or pay $40k for a car with 0 miles on it that needs minimal service but will actually maintain some value in the years to come.

But yeah if you want to keep shilling out $15k every year and a half for a new car that will break down in a year while you put in $5k worth of repairs, be my guest.

>>56032769
>Remember in your teens when you were spending all your time looking at websites for BiS gear list for your WoW character or your favorite CS skins on steam?
I seriously don't get the appeal of paying money to change colors on a screen. Like are you really going to pretend you're some heroic deity and that the colour of your cape matters? Am I just autistic?

>>56033745
You understand it and you're just normie larping. Probably because you've never had a single piece of raid BIS drop in your entire life.

>>56033777
I don't understand it. Sometimes I wish I could since it seems like comfy escapism.

>>56032801
I have a 2006 ford ranger with a patina that i drive. Ive litterally never once felt insecure about people in rich cars or in expensive suits, or whatever material dribble, because im attractive, and most of these dudes i see are weird looking shitskins. The most money driven people ive ever known in life were always average or below average lookswise who were definitely compensating. I know chads who are loaded and definitely merit envy on their end, but the biggest chads ive ever known never gave a shit about money. I used to do manual labor with this guy who litterally mogged Henry Cavill into oblivion and he drove a total shitbox, was humble, and the shit he cared about was playing football with his sons, not worried about making it, because he already made it the day he was born.

>>56033721
It’s a shame it took damn near 50 posts for someone with common sense to appear.

My friend thats a couple years younger than me financed a tesla for like $60-70k. I think hes 28 and is still living at home with his parents. My 2011 camry was bought cash like 6 years ago for $7000 with 30k miles on it. Its now sitting at 100k miles.

Meanwhile while im being carmogged by him, I just had tesla solar panels put on the roof of my home. I think I owe $30k on the house. By the time he pays his car off and its time to replace it, my bills will be like $700 a month. carcels wouldnt understand.

>>56032801
I think to myself that that's a nice car and move on

the concept of buying expensive clothes/cars/luxury items is more nuanced than you would think, and this poses a struggle for people on the autism spectrum as they cannot fathom anybody not eating beans and rice and driving a 30 year old car due to "cash flow inefficiency".

Let me preface this by saying that the only people who think about "saving" money are broke people. People with money understand that financial success comes from making more money, not saving the money you make. If you have zero interest in cars and just buy a 2020 honda civic to commute to work that's cool, but if you have a '99 rusted shitbox and think you're financially "enlightened" because you only pay on average $100 a month in repairs vs a normie who pays $350 a month for a modern and reliable car, the joke is on you.

1. Certain cars are simply more fun and enjoyable to drive/track. Modern V8s have nearly 500hp and are incredibly powerful and responsive.

2. Cars are financial/success proof. No matter how much you scream and slam your fists into the table, the simple reality is that people judge you for your car, your house, the way you dress, the way you talk, and even for your choice of partner. Driving a shitbox will make people think you are either a criminal, broke, or have a 400 credit score. Simple reality. Cope all you want about financing, most new cars can be financed at 0%.

Me? When I see a shitbox I immediately think:
1. It's a minority
or
2. Stay away from that person, they are social trash

It's partly an obsession with safety, another part classism, and dealerships jacking up the price of every car they get.

>>56032736
Mitsubishi mirage Chads stay winning

>>56032736
Anxiety from death. 24/7 denial that they are slaves in a system. And to flex on hoes and normies as they get groceries.

>>56032736
Same reason people will buy an iPhone over an android or a Starbucks over a gas station coffee

>>56034695
No way a fellow terror management enjooyor? On /biz/?

>>56032769
No actually I remember maxing my RuneScape account and praying on nooblets in the wilderness for fun and selling my gold to Saudis for real world money to buy a car irl

>>56034512
whatever you say normalfag

a

>>56032736
hubris
>>56032762
also this, and liberals in general

>>56034512
everytime i see a "luxury vehicle" on the road i assume its a nigger and am right about 99% of the time.

>>56032736
Nice cars are nice to drive, and nice to be in. Not saying finance a new ride but why condem yourself to driving miserable, slow, uncomfortable cars forever?

>>56035349
Kek this. I buy brand new and only brand new. Had I not dumped my 87 ranger for my 2019 Rav 4, the rear end accident that I’d get in 3 years later would’ve killed me. Now I only drive the safest most reliable vehicles on the market. Not saying to go out and finance some retard level luxury vehicle for 23% interest for 96 months, but if you have reasonable credit and a decent down payment through putting in your time, sweat and responsible money management, it can be done with little affect on your week to week or month to month finances.

>>56032876
>say you go out on a date with some vapid bitch of tinder and pick her up in a '97 corolla compared to a GTR where the acceleration glues her to her seat... you don't think that's going to help at all?

No

>>56032736
don't know, but i thank God i don't have whatever it is that forced people to pay way too much for an inferior new car.

>>56032736
Pussy is the main ROI with buying nicer wheels. It’s a lot easier to get a girl on to your Benz than a 2006 Kia spectra with 200k miles. Sure if you got game it doesn’t matter (no shit), but that’s not me so it does.

>>56032762
A melanin rich man was president for 8 years and you’re still seething about it 8 years later. Get over it already. Also the rule mandated higher mpg, so it mainly affected SUV’s and pickup trucks, not exactly the cheapest to buy. States do have smog laws that may fuck people with old ass trucks over but you can’t exactly thank Obama for that (rent free)

>>56033721
6 months ago you would 100% right, prices have come down some but yeah still high. Wonder how much that other faggot paid for that 2016 Corolla kek

>>56033845
Solid financial management anon congrats

>>56033288
Auto or manual?

>>56032736
It's a status symbol. ie it's a way for ugly men to climb a hierarchy which they otherwise can't because they are ugly.

>>56032745
You clearly never go on /o/, faggot. We love our shitboxes

>>56032762
huh

Its the most expressive status symbol you can buy while still being a poor motherfucker

All tis poorfag cope on a finance board lol

>>56032736
Why buy a Patek Philippe instead of getting a Casio? Why buy a Ralph Lauren shirt instead of a shirt from Walmart?
It's a signal to roasties that you're a high value male.

>>56034512
If I wanted to 'pwn' people on this board I'd hint at my Cessna Grand Caravan or something

>>56038505
The point is that people with average wages are financing this shit to look rich, how dumb are you?

>>56032736
Y'all are fools! All I'm obsessed with is stacking up the cash and that is why I'm heavily invested in Sol, CYMi, AZERO and ROSE.

>>56032736
Because they’re animals. Think of them as that orangutan who drives golf carts and smokes but dumber, more aggressive and degenerate

>>56033329
100k miles you autistic faggot or you really think a focus is a six figure car?

>>56038522
Normies go into credit card debt to buy luxury items to show off so that women will think they are well off and will see them as a more viable option than an autistic weirdo in a Honda Civic with cheap clothes on, who looks to them to be broke and unsuccessful in his career even if that isn't true in reality.

>>56032844
Oh no not a $100 water pump!

>>56033257
>has only mid level knowledge
anon, if you have mid level knowledge of any technical subject you are running rings around 85% of everyone else out there

>>56034512
As an european cityfag who doesn't even own a car I can say this is the only post here that isn't absolute cope

>>56038565
Presenting as poor while rich is the chad way to go though. Imagine caring what dumb whores and normies think of your level of wealth based on flashy symbols

>>56035054
That says more about where you live than is does about luxury cars

>>56034512
Good thing you can look up how much debt people are carrying in their car and your "proof of wealth" instantly crumbles.
Normies are so fucking cancer, thanks for reminding why I dont spend time around them

>>56038611
Larping as poor people is for new money rich fags. Total beta move.

>>56035930
>well use your money to buy your old car
>look how “relatively” few people have old cars now
>it’s ok to ban old cars to save climate change then
>…
>you wake up in your pod and can’t leave since there’s no public transport outside your 15 min prison
idiot

>>56038505
If you buy a leather belt for $100 it’ll outlast five $30 Walmart faux leather belts. There’s nothing wrong with buying quality, it’s not either/or between jewish consoomerism and jewish poovertism

>>56038633
Ill take that over larping as someone with success or money when its all on credit which describes what most people will end up doing because they cant control their impulses

>>56038695
>Price = quality

Your brain on jewish tricks. Its all made in the same factory lol

>>56034512
this, autists spend based on needs, npcs in current year spend based on Jews’ needs to sell the same overpriced crap every year

The best part is Normies spend 1500$/month leasing new cool electric vehicles.
They dont even own them.

>>56038703
>real leather is the same as faux leather
>your experience of having shitty belts for half the price of a leather belt crumble in around two years is also a jewish trick
retard

>>56038728
then they explode

>>56038729
Suck my cock, you can buy real leather and real leather™. Youre a brand cuck

>>56032826
>mcdonalds for a gold digger test
lol only if youre like "btw only order like $8 or $9 worth of food im not trying to go overboard here

>>56038774
>hurr durr real leather is so exotic you need a peer reviewed study to find real one
You don’t even know what brand I bought or how much I paid retarded nigger

>>56032826
desu zoomer chicks who go on dates to McDonald’s are all trash

I actually prefer driving in a shitbox, it has a certain power to it where you know if you crash or whatever it's not that big of a deal.

>>56032941
A ten year old Japanese "shitbox" practically just costs basic maintenance like tires, brakes, fluids. All depending on the miles you dump in. An American costs that, plus probably one annoying thing breaking a year which can be fixed with cheap parts. A German one, a handful of expensive parts, an English was scrap at the 7 year mark.
Really expensive cars not only cost a shitload to repair, they break down far more often after the warranty. People don't own those things, they lease them. If you own, you're doing a lot of extra preventative maintenance to avoid breaking down on the road. They're suffering to actually use day in and out.
The most comfy and financially sound thing to do is buy a new or 1-2 year old mid range Honda or Toyota (maybe Mazda) with the features you care about, and keep it until a couple years off end of life. It will spoil you with good times, and you'll send it off with a tear in your eye for a third of what you bought it for 15 years ago.

>>56039321
>A ten year old Japanese "shitbox" practically just costs basic maintenance like tires, brakes, fluids.
This. You can drive Honda Civics for ages.

>>56032801
fag detected

>cheap
>reliable
pick one

used vehicles cost more than new vehicles. OP is LARPing. like Europeans who pretend to complain about American public transport, even after the reality of public transportation crime went viral recently.

learn2update your mental schema retards. new information isn't as scary as you pretend it is.

>>56034512

This is the only correct answer

Aspies on 4chan that are virgins don't understand social status, or are so low on the social totem pole that they refuse to play the game.

It's all status. The reason men make money at all is status. And hoes love status.

>>56032844
>>56032801
>>56032745

I have a friend who works on luxury cars (all the way from Audis to Lamborghinis) and said they are the most unreliable pieces of shit imaginable, most lambos apparently need a new engine or rebuild by the time they hit 80,000k. Their maintenance is also eye wateringly expensive, on top of that, even if you have all that money to have the car, its not like you can flog it any faster than all the other chumps on the road without the risk of losing your license without going to the track, so what's the point? I'll stick with my 1997 ST204 Celica that is still a hoot to drive and costs me fucking nothing to maintain.

>buying a car at all
Even with higher rent and taxes I would still come out ahead just taking transit.

And where I live (chicago) transit isn't really seen as an option only for the poor; everyone takes it. Home prices are very clearly and visibly tied to proximity to an L stop, for example (speaking only on neighborhoods where you, as a white person, would want to live). Pretty incredible and bizarre to me this isn't the norm across the rest of the country.

>>56033298
>NFTs
AGII is my thrill, the NFT generator is a huge boost for lazy creators.

>>56032777

>>56032801
nope

>>56032801
i had a luxury car in the past. and i wouldn't care at all. like 0 fucks given. only retards care about nice cars.

>>56032801
go to the dealership and tell them to lease you some 18 inch arms

>>56035913
I drive a kia and have a zoomette gf.
I got her back when I didnt have a car and used to flirt with her when I'd scab rides off her. Her parents used to worry I was just using her as a free taxi
Thanks for reading my blog

>>56032801
I see expensive cars as a liability. If you want to make me jealous, you need to show off a better PC or laptop than me.

>>56032801
Insecure much?

>>56032736
Why are poorfags obsessed with what other people buy?

>>56032736
I bought a dodge challenger and I love every second of driving it. it's fast, loud, looks badass, and it's probably the last manual V8 that will ever be made. I want to enjoy it right now that I'm young and not when I'm a midlife crisis oldfag. I'm still contributing to my IRA, and have a good amount in my savings, enough to pay off what's left of the car if I need to. what's the harm?

>>56038631
Can you really? Where?

>>56039027
Not a big deal except you die. That's 95% of the reason I switched from a 1992 to a 2018.

Cheap shitboxes aren't worth your time. It's a hassle if it breaks down when you need to go. Mid range cars from 2-8 thousand and giving them proper maintenance is the way to go. Also when you get an used 5000 dollar car it might have all the accessories and everything nice vs some beater with the only accessory being adjustable steering wheel. The comfort is way different in proper cars. Shitboxes are just vile and inhumane. I drive a 1.3 liter '06 fiesta as my work car and it's so fucking powerless and shitty car I just can't fathom why would anyone drive such a piece of shit when you could just pay $1000-2000 more and get a fucking proper luxurious car with all the same risks.

>>56032736
Because I don't have time to fuck around with a car breaking down or being unreliable and I make enough money to comfortably own a new one.

>>56044755
1.3 liter would save you money on fuel and probably taxes compared to a V6 that probably wants premium fuel as well.

>>56032736
The same reason old money knows old money from new money and new money knows old money is the money

>>56032736
>he doesn’t have a company car

OH NO NO NO

>>56032801
I genuinely can't fathom this kek. I drive a 2015 Kia Picanto and I love it

>>56032736
To jizz in young puss and give good first impressions

>>56032801
Are you a woman?

>>56045920
I can’t fathom why people would drop six figures on a car, even when it would be play money.

if ur a chad u would get a subcompact SUV or hatchback like dodge hornet or mazda cx-30 or corolla cross
Verification not required.

>>56032736
My shitbox has spent two months out of this year in the repair shop. It has cost me more than buying the car itseld and I have twice now missed events when it broke down on the way.

Buy a new car.

>>56046068
Hey listen to me I'm very qualified to speak on this. You think driving a new car is cool, but here's the deal bro. Driving an old shitbox is how you're going to be able to buy a lambo in ten years. I drive a '94 Geo Tracker and it has yet to break down. Do you need a new car, or do you just want to appear cool and rich to your friends? It's important to realize you might be suffering from status anxiety bro, there's help available for you, you don't need a new car

>> 56046225
> 94 Geo Tracker
do you just want friends and stauts??
> this is how u buy a lambo bro


dude I want to buy a new toyota/mazda/honda
fuck off with your bullshit

>>56032769
>Remember in your teens when you were spending all your time looking at websites for BiS gear list for your WoW character or your favorite CS skins on steam?
No. If this is the mentality required to want a Lambo I'm glad I don't have it so I can keep money in my pocket

>>56032736
Some people actually like to have sex.

>>56046632
>10k a month
>screened in pool
>evidently has a mclaren
He's either 1. lying or 2. (more likely) in a lot of debt

I make about 10k/mo and I am nowhere near mclaren territory. I don't even own a car right now (by choice not by necessity)

>>56032736
you always know it’s a time wasting glownigger thread when you see these frogs.

>>56046651
Yo bro did you ever end up buying Scorch coin? I know you've been following me on twitter for awhile, and you've heard me talk about buying the dip, but how about you let me do some DD for you. Go to scorchcoin.com and read the whitepaper, and then buy some with your wife's money. It's literally free money. You'll make more money with this shitcoin in a couple months than you have made trading real stocks over the last 5 years. Just remember to buy the real coins, not the copycats

>>56032801
At least no one will bother to rob a whole dusty corolla and no one will notice that I have a high net worth.

>>56048012
This lol. Why would you want to attract attention to yourself.

I drive a 2007 Honda Fit. I just feel like im under the radar all the times and it feels comfy. I dont want to be looked at everywhere I go. I have no stress that I might get robbed or that just stratching my car could cost me tens of thousands.

Cars depreciate in value very quickly anyway. They are a terrible investment unless you're buying very rare cars that you'll never touch for collection. I could use that money for investments and travel instead. My car is entirely payed and I dont have any debt. Meanwhile, you gotta pay every month to Mr Goldstein because you have a little insecure ego that wants to please people around you.