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/biz/ - Business & Finance


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File: 221 KB, 1280x720, BMW x4 m40i.jpg [View same] [iqdb] [saucenao] [google]
13882032 No.13882032 [Reply] [Original]

Recently graduated and started a new job as a biz analyst for a large financial firm. Still going to be living at home and on track to clear 100k if bonuses come in favorably around Christmas.

I've been driving a beatup shitbox since high school, '99 Camry with 150k miles on it. But it's time to upgrade.

I have my eye on this 2019 BMW X4 M40i. The dealer near me has a great lease special

- $3,000 down
- $649/mo for 36 months

Thoughts? Hopefully I can up my dating game with this too, still single but ideally I find a girl and we can move in together.

>> No.13882049

keep the camry, fuck some turbocharged modern piece of german shit like that bmw

>> No.13882053
File: 13 KB, 300x166, civic4dr4dr-lx.jpg [View same] [iqdb] [saucenao] [google]
13882053

1996 Honda Civic

>> No.13882062

>>13882032
Yikes

I drive a new MB but I’m 30 and have a boomer home, savings etc

Why do you feel you need a car $400k people drive at 22?

>> No.13882065

>>13882032
Save your money until your money earns money.

>> No.13882066

>>13882049
HAHAHAHHAHAHAHAHAH AMERICANS AND CARS

>> No.13882081

>>13882049
This, did what you did OP with an Audi TT and now I am driving a Lexus v6. Just skip wasting the money and get something nice and reliable.

>> No.13882090

>>13882032
$3K down and 650 / month? so spend $27K for nothing? get a used x5m for $15K or better keep the camry. 99 is the patrician's year anyways and it's barely broken in at 150k miles.

>> No.13882101
File: 207 KB, 618x298, german-whip-video-1393339040-article-0.png [View same] [iqdb] [saucenao] [google]
13882101

Fuck it, go for it OP. It will be enjoyable to drive, you make enough money for MPG not to be a problem and driving old cars is only fun if you are an enthusiast.

>> No.13882134

>>13882032
keep living at home take that 100k and buy crypto. you don't need a new car when yours still functions. unless you're a retard you'll kick yourself for buying a brand new car at 22 instead of reinvesting for long term gains

>> No.13882136
File: 638 KB, 2000x3070, bc04fc97ee31253c06e120707310e9e7.jpg [View same] [iqdb] [saucenao] [google]
13882136

>>13882032
Cars are literally like 50% of price in usa than in europe or asia, why not just go mid way, maybe x4 bmw not x4 m4 that would be super cheap and still comfortable ride and some "status boost" (for people who prefer status boost)

>> No.13882145

>>13882032
is there a mileage limit on the lease terms

>> No.13882182

>>13882049
>>13882134
safety and modern tech is important too

>>13882145
12k miles/year but my commute is only 10 miles each way. plenty of leftover room for cruising

>> No.13882197

>>13882032
Buy a Tesla.
>roasties like an environmentally conscious man
>pays for itself in 3 years by renting it out as a self-driving taxi while you're at work
>drives itself while she gives road head
>unmatched acceleration has been shown to induce female orgasm while merging onto the freeway
>by buying it you're helping fund the expansion of humanity into the solar system

>> No.13882226

>>13882197
I've unironically also been considering the Model S - only annoying part would be charging it

>> No.13882254

>>13882032
I make $150k a year and drive a used manual- trans Mustang. Inexpensive, fun, and reliable.

>> No.13882258

i drive a 2004 camry and i aint upgrading till i make it

>> No.13882293

>>13882049
Yeah lmao, i drove a shitbox Camry, found a comfy job and drive another slightly used shitbox Camry. Fuck German trash, literally eats more money than an entitled white woman

>> No.13882295

>>13882032
>100k
>60k after taxes.
have you figured out your finances desu?

>> No.13882327
File: 205 KB, 1024x768, s-l1600 (9).jpg [View same] [iqdb] [saucenao] [google]
13882327

Hope to buy this after next bullrun
Porsche is the perfect automobile desu

>> No.13882418

Don't buy this unless you're a walking meme
Invest your extra money into stuff that keeps/grows in value and if you want to spend it on yourself find a hobby

That extra 7k/10k after insurance and taxes a year is brutal to your long term goals when time grows money exponentially
Would you rather work an extra 10 years and drive a "cool" car or have an extra 10 years to enjoy life

>> No.13882424

>>13882295
Yeah I will have about 60k or so in discretionary funds after taxes and shit, like i said still living at home so no rent or food or utilities.

i do have 30k in student loans im on the hook for but im just gonna make the minimum payments on that shit

>> No.13882456

>>13882327
Why the 4s get a turbo/s if you want awd

>> No.13882492

>>13882032
Unless you can deduct it as a business expense, then don't do it. But hey never take advice from 4chan.

>> No.13882740

>>13882418
>Would you rather work an extra 10 years and drive a "cool" car or have an extra 10 years to enjoy life

Explain

>> No.13882797

>>13882032
>patrician
Be smart OP don't waste your money on a depreciating asset. Take that 3000 and buy yourself something more modern but used or better yet invest that 3000 into something

>> No.13882807

>>13882032
BMW depreciates the fastest. Get a Toyota tundra or Tacoma.

>> No.13882943

>>13882327
I heard Porche's reliability is on par with Lexus...can any anons confirm?

>> No.13882964

>>13882456
Turbo is is also nearly double the price of a c4s

>> No.13882986

>>13882943
It's pretty much one of the most reliable sports car you can buy

>> No.13883024

>>13882986
Porsche sounds based...unfortunately even the base model 911 is over 6 figures

>> No.13883025

>>13882807
Fucking this. Even a RAV4.

>> No.13883033

>Not buying a used Toyota

never going to make it

>> No.13883047

>>13882740
Compoundinterest.jpg

If the market doubles every 7 years on average, the money you save at 22 is worth 16x what you save at 50 (four doublings)

You’re a shitty analyst away from xl

>> No.13883057

>>13882032
649 per month for a car. The absolute state of americans. Holy fucking shit

>> No.13883058

>>13882986
Why does Porsche do differently from Mercedes, BMW, Audi that makes Porsches so reliable? It's funny to see Porsche is reliable and German

>> No.13883094

>>13883024
Porsche (behind only Maybach) is the fastest depreciating brand in the industry. However, the good news is a 5 year old Porsche has done most of its depreciation already and is still a reliable German car.

>> No.13883121

>>13883024
Some of the older classic ones aren't even that expensive relatively speaking, but then factoring in maintenance and it's probably about the same
Especially aircooled ones or w.e.

>> No.13883130
File: 121 KB, 1280x720, maxresdefault.jpg [View same] [iqdb] [saucenao] [google]
13883130

Old NSX is alpha as phuck

>> No.13883150
File: 356 KB, 347x366, retarded-bizlets.png [View same] [iqdb] [saucenao] [google]
13883150

>>13882032
>selling crypto for depreciating resource

>> No.13883152

>>13883130
virgin nsx gets destroyed by the chad speedbump

>> No.13883164
File: 158 KB, 900x675, 1990 sera gullwing.jpg [View same] [iqdb] [saucenao] [google]
13883164

Fuck your Lambo faggots

>> No.13883177

>>13883094
I honestly never understood the depreciation argument...I just don't see how it applies to cars. When I buy a car I don't treat it like an investment, but more like buying a tool for specific usage.

>> No.13883206
File: 93 KB, 770x382, dbs.jpg [View same] [iqdb] [saucenao] [google]
13883206

You probably do look like a dick driving a flashy car but..

>> No.13883229
File: 66 KB, 800x600, 453.jpg [View same] [iqdb] [saucenao] [google]
13883229

>> No.13883234

Is there anything more nigga rich than buying some flashy overpriced car instead of reinvesting your profits?

>> No.13883260
File: 381 KB, 991x666, 8521385780_918b4fee8c_o.jpg [View same] [iqdb] [saucenao] [google]
13883260

>>13883234
Based Adolf even had a supercharged Porsche in bright red, it was one of his first purchases out of prison

>> No.13883306

>>13883260
And/or Benz, can't remember which.

>> No.13883421
File: 2.01 MB, 4032x1960, 20190215_144457.jpg [View same] [iqdb] [saucenao] [google]
13883421

>>13882807
based

>> No.13883460
File: 160 KB, 1280x720, maxresdefault.jpg [View same] [iqdb] [saucenao] [google]
13883460

>> No.13883482
File: 102 KB, 900x900, Q60-3.0t-Red-Sport-400-GRiP-4-900x900.jpg [View same] [iqdb] [saucenao] [google]
13883482

>>13882032
Infiniti Q60.
I currently drive an 06 g35 coupe and I'm looking at the q60 coupe. Possibly an m56 if I go 4 door, which is a bit older.
You dont need to buy something that "everyone knows is expensive," just something that women would want to get into.
I personally dont like the look of the fat-back BMWs like the gran turismo variants. X6M is badass but also $$$.
I love the Alpina B6, which can be had (albeit a few years old) for insanely less than original sticker for an incredible car. Plus its unique.

>> No.13883504
File: 94 KB, 800x600, $_20.jpg [View same] [iqdb] [saucenao] [google]
13883504

Buy a real mens car

>> No.13883540

lmao go ahead and spend your money on a money pit LEL

You'd get more fun out of strippers and high end escorts desu.


Get a new camry, and then drive that shit for another 10 years until you have so much money you can piss away over 100k and then get a porsche

>> No.13883678

I make $80k and I drive a turbo Falcon.

>/biz/ niggers don't even have 270kW of straight six turbo boat fun

>> No.13883688

>>13883540
Why a Porsche?

>> No.13883705

>>13882226
just buy multiple batteries for the tesla and swap them on the go

>> No.13883716

>>13882065
THIS.

Live like you're poor for 5 years (if your ego allows) and you'll be well off for the rest of your life.

>> No.13883719

>>13883688
A Cayman is pretty much one of the best sports cars you can buy. I'd cross-shop one with an Alpine A110 and a BMW M2.

>> No.13883737

>>13883719
Why Cayman over a 911?

>> No.13883742
File: 104 KB, 1132x700, 5a8df77f35d8e4266712d6e91dccbbfd-700.jpg [View same] [iqdb] [saucenao] [google]
13883742

FAG CO WORKER HAS THIS, TOLD ME HE DOES STOCKS AND BITCOIN. I WANT TO KEY HIS CAR BECAUSE HES A RICH FAG.

>> No.13883768

>>13883737
Because they're way cheaper and drive arguably better. 911s are nice, but they're more of a GT than a sports car nowadays. They're pretty fat and focus more on luxury features.

>> No.13883775

>>13883742
How are Mercs in terms of reliability? Are they money pits like BMW?

>> No.13883791

>>13883768
Ah, 911 sounds like a better fit for me...I don't mind a gt

>> No.13883802
File: 43 KB, 800x600, 406628-001.jpg [View same] [iqdb] [saucenao] [google]
13883802

Beeep beeep

>> No.13883814
File: 457 KB, 1280x869, 1993-Renault-Racoon.jpg [View same] [iqdb] [saucenao] [google]
13883814

The official moon-mobile

>> No.13883822

if you can't buy a car with cash you can't afford it

>> No.13883840

>>13883791
If you want a GT at that price, you might as well go with the godmachine Lexus LC500.

>> No.13883847

A car is the worst investment you can make. Unless you have a long ass drive to work and need to be comfy, skip a luxury car, buy a used Honda and pocket the extra coin. 401k, IRA and then Crypto investments first, car absolutely last.

>> No.13883875

>>13883058
Honestly all newer German cars (2015 and above) are all extremely reliable. I have a 2016 m4 and have already tuned it with full bolt ons and I’ve had literally 0 issues since the day I bought it. Although it’s only been like 4 years, don’t know what’s gonna happen after 5 more lol

>> No.13883882

>>13883058
Idk what it is that they do differently compared to other German manufactures but Porsches cars are known to be extremely reliable mechanically speaking. The electronics can be quite shit tho but thats the same for all German cars

>> No.13883891

>>13883840
The LC500 is nice, but paying almost 6 figures for what is a poshed up Toyota seems overkill, with that much money why not get a 911?

>> No.13883905

>>13883847
My car hasn't depreciated a single cent since I bought it, and I do a ton of highway driving.

It's fine to spend some money on a car as long as you have an actual reason for it. You've got to invest in your own happiness sometimes.

>> No.13883921

>>13883891
Because the LC500 is better in every way except ">muh badge".

>> No.13883937

>>13883875
>>13883775

HE NEVER TALKS ABOUT HIS CAR SO IM NOT SURE, BUT I THINK ITS BEEN RELIABLE FOR HIM? I DO KNOW THAT THE TURBO SOUNDS SEXY WHEN HE PEELS OUT.

>> No.13883955

>>13883775
Mercs are pretty awful too. If the german cars had a pretty good supply of parts and aren't always figuring out how to scam the customers by redesigning the entire car every 4 years then it wouldn't be bad to drive one even if its less reliable than the japanese counterparts.

>retarded friend with Merc goes to aftermarket parts store
>Alternator: $400
>Starter: $270
>Plastic radiator: $350
>Sensors designed to make money for dealerships: $200 a piece
>doesn't include the costs of trying to diagnose and to work on a car that is awfully designed for mechanical work
>most altermarket parts don't even work that well for foreign cars to begin with
>decides to get rid of the car for $2000

German cars are one thing in Yurop as they're everyday cars but in the US there are a money making scam for people who like status symbols.

>> No.13883957

>>13883921
Do you have one?

>> No.13883968

>>13882327
>glorified vw beetle

>> No.13884000

>>13883955
HE IS/WAS POOR.

HE LIKELY HAD A C CLASS, AND LIKELY THE BIGGEST MISTAKE OF THEM ALL, A KOMPRESSOR.

MERCS ARE FOR PEOPLE WITH MONEY. SHIT HAPPENS, OK IM GOING TO THE DEALERSHIP. THEY DONT PRICE THINGS OUT AND HAGGLE ON LABOR.

I DOUBY MY CO WORKER HAGGLES AT THE DEALERSHIP AND HIS CAR IS ONLY LIKE 40K RIGHT NOW.

ASAP YOU SAID YOUR FRIEND WENT TO AN AFTERMARKET PART STORE FOR HIS MERC I KNEW HE WAS A POOR POOR FAGGOT.

>> No.13884010
File: 397 KB, 1024x736, 8518157121_2b7730ea54_b.jpg [View same] [iqdb] [saucenao] [google]
13884010

>>13883968
Ok I'll get this instead

>> No.13884023

>>13883957
No, but I drive another car that completely BTFOs similar-year BMW/Merc cars for far less money.

Porsches are nice, but you're paying a lot for a badge. And remember that LC500s work out a lot cheaper than 911s once you consider the fact that Porsche will barely even give you a steering wheel without paying for "optional" (mandatory) extras.

>> No.13884027

>>13883742
Id suck him dry for a ride around the block

>> No.13884048

>>13882032
I drive a 99 camry 4cyl.
why the fuck would you want to get rid of this beast
it will outlive you
stop trying to give money to the car jew
spend that money making it nice and restoring it

>> No.13884067

>>13884000
trips confirmed. based response

>> No.13884084

>>13884023
I'm surprised the LC500s don't sell that well...the thing is designed beautifully and has a NA V8 to boot.

>> No.13884090
File: 33 KB, 300x169, minivan.png [View same] [iqdb] [saucenao] [google]
13884090

> 2017 Dodge Caravan AVP
> Purchased w/ 1k miles, $19k cash
> Mechanical doors that can't break
> 15 years of interchangeable parts to purchase for repairs
> Hauls my 4 white kids and white wife around town
This is the dividend investor of cars. The smart reliable choice.

>> No.13884108

I just got a job for 150k a year.

Aside from job income I get 18k a year in passive income, so 168k. My total expenses are low (spent 62k last year), so I'll have about 100k to spend on whatever.

What should I get? I was looking at either a Jaguar f-type or the new mustang GT500

>> No.13884141

>>13884108
both great choices

>> No.13884176
File: 1.21 MB, 700x700, file.png [View same] [iqdb] [saucenao] [google]
13884176

>>13882032
americans and boomers have shit taste

>> No.13884189

>>13884000
The point is why would anyone want to waste their money for cars like that, rich or poor? Literally giving money away to Hermann Noseberg so that everyone knows you have a Merc. What level of luxury can you get out of that brand that isn't a massive gimmick meant to scheme away your hard earned NEETbux.

>> No.13884230

>>13884090
Unironically my next vehicle.
Have 4 beautiful white children and a gorgeous white wife.

>> No.13884231

>>13884084
I think it's literally just because at that price point, most normies don't even consider Lexus as an option. Couple that with the fact that they're not very heavily marketed, and you get an uncommon car. Same deal with why I see a Cayman every other day, but have literally never seen an Alpine.

>> No.13884234
File: 117 KB, 1000x750, 65599872-770-0@2X.jpg [View same] [iqdb] [saucenao] [google]
13884234

>>13882182
safety yes, but modern tech in cars is way overrated. why not using something reliable and extraordinary?

>> No.13884242

>>13882032
>Hopefully I can up my dating game with this too, still single but ideally I find a girl and we can move in together.
BUYING A NICE CAR WILL NET YOU ZERO GIRLS. GO WASTE YOUR MONEY THOUGH

>> No.13884250

>>13884108
Buy a used Chev SS.

>> No.13884290

>>13884189
SAY THE SAME THING ABOUT CLOTHES

HOW IS THAT SHIRT $175? IS IT MADE WITH GHOLD? HEHEHE

THATS THE TYPICAL POOR FAGGOT MINDSET. WHILE WEARING A $2 HANES WHITE TEESHIRT.

SAME WITH FOOD, JEWELRY, ETC.

YOU HAVE $ YOU GONNA BUY, YOU DONT HAVE $ YOU GONNA LOAN, PRICE THINGS OUT, OR SAVE.

SAME WITH YOUR BUDDY AND HIS 2001 KOMPRESSOR

>> No.13884294

I want a TRD 4runner. Toyotas are based

>> No.13884341

>>13884250
Why? I have a 2017 Mustang GT Premium

I want a car that's as fast or faster but looks more adult. If it gives the ability to select the exhaust note that would be even better.

>> No.13884373

>>13884341
So you already drive a nice, near-new car. Why the hell would you want to replace it already?

>> No.13884413

>>13883177
>what is wear and tear?
>not knowing normies need the newest model to keep up with the joneses

>> No.13884542

>>13884373
Because I want a fancier car.

When I arrive somewhere I want to look like a professional instead of a guy with a toy car.

>> No.13884639

>>13884542
You're literally a fag. Stop paying so much attention to what people think of you, they already think you're a poser for buying a brand new Mustang.

>> No.13884685
File: 83 KB, 720x960, IMG_0904.jpg [View same] [iqdb] [saucenao] [google]
13884685

Get on my level

>> No.13884728

>>13882081
I bought a sick lexus is350 2006 when I got my new job. Decent looking, fast enough, reliable. Perfect car imo

>> No.13884729

>>13884542
GET THE SAME AS MY COWORKER, I THINK ITS AN E, S OR CLS, ONE OF THEM. HE GETS A LOT OF ATTENTION BUT HE LOOKS KINDA RICH TO BEGIN WITH.

>> No.13884736

>>13884639
A poser who is posing as what exactly? Someone who has a mustang?

>> No.13884735
File: 2.02 MB, 1470x830, Screen Shot 2019-05-28 at 4.10.23 PM.png [View same] [iqdb] [saucenao] [google]
13884735

>>13884685
scrub

>> No.13885150

>>13884735
Is that actually yours?

>> No.13885248

>>13883737
Cayman is mid engine which many think is better than rear
You need a 6 cylinder though like the gt4 because new base Caymans are only 4

>> No.13885295

>>13883840
>Lexus LC500
A first year model over a 911 idk

>> No.13885570

>>13882032
649$/M for a X4 M40i. It is a very nice deal.

>> No.13885597

>>13882032
buying a new car is the stupidest financial decision you can make

>> No.13885640

>>13884234
Car design for Americans is about forgetting that they are really just tractors without much use beyond yearly maintained pavement.

>> No.13885692

>>13885597
This

>> No.13886036

>>13885597
Sheeeeit!
I'm fucked then!

>> No.13886220

>>13882032
based

>> No.13886229

>>13882032
Just buy a 2k dollar crown vic and save your money retard.

>> No.13886260

>>13884108
If youre gonna finance start saving now and get the 2nd or 3rd year GT 500. You'll probably have 30-50% down and have a tasty low payment.