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2023-11: Warosu is now out of extended maintenance.

/biz/ - Business & Finance

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56746157 No.56746157 [Reply] [Original]

Is "you can afford a car that's 3 months of your take-home pay" valid if the alternative is sitting under your shitbox each weekend and dumping money into it?

Or is it only valid outside of the context of "the halving is in less than 6 months"?

Keep in mind that the bull run is, to some minor degree, speculation.

>> No.56746366
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56746366

I want Lexus is 350 f from 2021+

How much do I need to make for it?

>> No.56746387
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56746387

>>56746157
why haven't you taken the CRYPTODEBTMAXXX pill? want to own a house? easy. just apply for a loan on USDT. want a new car? you're qualified, just go to a $USDT0 down, buy here pay here lot. need a new phone? finance it. student loans? just stop paying them and let them garnish your gainz, they can't garnish >25%. owe money on your debt? just get a new crypto credit card and do a balance transfer. if CEXes can perpetually refinance billions in debt, why can't you? really, if you aren't living the CRYPTODEBTMAXXX lifestyle you aren't living. it's simply a matter of clicking the site, collaterizing your DOGE, and telling them that you want MORE BTC DEBT.

>ALL CEXES AND STABLECOINS KNOW YOU BY NAME
>FEARED YET RESPECTED BY RISK MANAGERS
>DEBT COLLECTORS BLOCKED IN PHONE
>STILL SCREEN EVERY CALL TO VOICEMAIL
>NEVER VISTIT THEIR LOAN SITES AGAIN
>DEBIT TO INCOME RATIO >100% BUT STILL GETTING NEW LOANS
>LEASED LUXURY CAR ON CRYPTO CREDIT CARD WITH NEGATIVE EQUITY TRADE IN
>HOUSE 6X YOUR GAINZ ON 40 YEAR ARM MORTGAGE
>STARBUCKS & RESTAURANTS EVERY DAY
>ALL SUBSCRIPTION ENTERTAINMENT SERVICES
>8 CRYPTO CREDIT CARDS, ALL MAXXXED OUT
>NEW IPHONE EVERY 6 MONTHS, FINANCED WITH NEGATIVE EQUITY

>> No.56746406

>>56746366
$250,000 a year

>> No.56746577

>>56746157
thats fair desu. i just stick 10% of my yearly salary pre-tax.
you just dont want to spend too much money on a car given how its a depreciating asset. likewise you dont want to spend too little or you'll dump money into for repairs.

find the best product using the 10% rule, and if you cant find anything good... extend it to 20% BUT you'd take the original 10% that you'd buy outright for a car and use that as a down payment, and then finance the rest. make sure the loan is 36 months... you dont want to pay too much in interest over the life of the loan.