Why do normies take out loans to buy cars?

[Anonymous No.25804018]

Taking out a loan with interest to buy a new depreciating asset, are they retarded? I'll drive my $2,000 car till the wheels fall off IDGAF, let them stay poor i guess?

[Anonymous No.25804049]

>>25804018
>are they retarded?
Yes

[Anonymous No.25804101]

>>25804018
Out of all the ridiculously dumb things people take loans for, you single out cars?

Yes people are retarded and just follow the mantra that being in debt all your life that even your kids have to pay for it is a normal situation to be in. As long as everyone is doing it it's normal for them

[Anonymous No.25804395]

>>25804018
Fuel efficiency a lot of the time.

[Anonymous No.25804550]

>>25804018
I don't understand why you people even bother driving at all.
Even in a suburb of Dallas TX I'm able to easily get wherever I need to be through walking and/or public transit. Haven't driven in 20 years.

[Anonymous No.25804607]

>>25804550
Are you a nigger? Why would you want to be around the people that use public transportation?

[Anonymous No.25804610]

>>25804550
Fucking how? You need a car to get fucking anywhere around here. Shit's designed so you start spending money the moment you exit your house. Let me guess, you're the friend always asking for rides?

[Anonymous No.25804629]

>>25804018
BECAUSE I WANT THE LATEST ECO-HYBRID-GLUTEN-FREE-ELECTRIC TESLA TO SHOW TO MY FRIENDS AND SAVE THE PLANET AND I FUCKING NEED IT YOU RACIST REPUBLICAN PIECE OF SHIT

[Anonymous No.25804685]

>>25804610
>Don't need a car if you never leave the house

[Anonymous No.25804696]

Normies seem to have a belief that new cars are more reliable than used cars. A lot of times they've recently had to pay for expensive repairs on their older shitbox - and because they're too stupid/lazy to learn about cars they figure it's going to continue to be a money pit. So they figure if they're going to be paying for repairs they might just better use that money on something fancy and new with a warranty.

[Anonymous No.25804744]

>>25804018
because normies are nigger-rich and think spending the equivalent of their entire yearly take-home salary for a car is a worthwhile expenditure.

[Anonymous No.25804809]

>>25804018
i had a beater for about 6 years and it kept giving me so many problems that i finally got rid of it when the transmission shat itself. there are times when you don't want your car to die, like in the middle of a blizzard. this happened to me and it was very unpleasant. very interesting day though. so yeah i'm leasing a new car for now and may or may not buy it when the lease runs out.
>>25804550
I'm in NYC and I drive everywhere. Fuck public transit.

[Anonymous No.25804864]

>>25804607
>Are you a nigger?
No.
>Why would you want to be around the people that use public transportation?
Because cars are a huge waste of money and also the biggest liability most people take on each day between legal problems, medical problems, and repairs if you end up in one of the millions of car accidents constantly happening.
>>25804610
>Fucking how?
There are DART train stations all over DFW and you can easily find one by walking or using the even larger number of buses in between.

[Anonymous No.25804997]

>>25804696
and whats wrong with that logic? after the 3rd year, the annual cost of repairs for a used car greatly increases. a new car is a better deal.

[Anonymous No.25805063]

>>25804018
No, they actually have a life, friends and have sex and need to keep up appearances. Cope harder incel

[Anonymous No.25805086]

>>25804696
this is basically me. i'd be interested in learning how to do maintenance myself but i don't have the tools or anywhere to work on it. I can do super basic shit like changing lights, fuses, air filters etc. but that's it. once i had to replace a little rubber bumper that's under the break pedal and switches the breaklights on and off

[Anonymous No.25805135]

>>25804696
2003 honda civic here
>check engine light always on
>eternal code P0420 "dude weed" catalytic converter fail
>can hear it rattling when idle at a stop
>valve cover bolt broke off at the threads due to over tightening
>stuck a cork in the empty bolt hole
>washer fluid reservoir leaks out all but a few squirts
>"PISTON SLAP" vrrroom diggydiggydiggydiggy
>passenger window doesnt go down
>stereo volume has to be just right to hit both speakers
>clear coat peeling off
>rust on body trim
>back triangle window broke, replaced with plexiglas

I know I'm forgetting something but at least i'm still
>38 to 42 mpg

[Anonymous No.25805157]

>>25804018
Is it unusual to save $500 a month? Someone just screeched at me for suggesting that saving $500 a month wasn't unusually high.
>>25804607
Cars are the biggest fucking waste of money - the only people I know who have them before also having a downpayment on a house are poor people. Also they're bad for the environment

[Anonymous No.25805222]

>>25805135
>38 to 42 mpg
2019 civic here. you must not sit in a lot of traffic, or they somehow made civics less efficient over the years. I'm at like 26.8 MPG since my last oil change. It goes up dramatically when i'm on long road trips but day to day it's shit

[Anonymous No.25805315]

>>25804018
I won't lie, I took out a loan. I could have bought cash but it would have wiped out half my savings and I was trying to get a downpayment big enough to not have to pay PMI on a mortgage.

>just buy a shitbox if you're a poorfag

Did that for years and got tired of it. Still have that old thing but I'm glad I don't smell like unburnt gas anymore. Well worth the interest I paid.

[Anonymous No.25805318]

Eh debt is easy to service these days mostly. 500 bucks a month isnt a lot for the average middle earners, especially in a dual income household.

[Anonymous No.25805362]

>>25804629
to be fair most people with cars are lower middle class republicans

[Anonymous No.25805440]

Because i can safely afford it.

I race cars as a hobby and i don’t mind spending 5% of my income to drive an italian sports car that i plan on racing

[Anonymous No.25805452]

>>25805135
based

[Anonymous No.25805505]

>>25805086
>i'd be interested in learning how to do maintenance myself but

Same. I want to learn to do maintenance myself, but

>Changing oil costs like $30 to pay the shop to do it for me. I'd have to pay for the oil regardless.
>Lifetime warranty on brake pads so I have no incentive to learn to change brake pads
>Don't really have the tools to change tires
>My car is a Toyota which means it will be 10 years before anything breaks

[Anonymous No.25805525]

>>25804610
Don't need a car if you work from home and order everything you need online, including groceries.

[Anonymous No.25805544]

>>25804744
where can i find the original bathroom gif. it was all over a few days ago now it's fucking gone

[Anonymous No.25805587]

>Buy a new car
>Get cancer from the new car smell
>Die

kek

[Anonymous No.25805635]

>>25804997
ive had my civic for 10 years and all I do is change brake pads and oil and people on the highway in their cuckUV's avoid me because I have nothing to lose

[Anonymous No.25805653]

>>25804018
>I'll drive it till the wheels fall off on the way home from buying Cap'n Crunch and Taco Bell on my credit card

[Anonymous No.25805658]

>>25804997
It's wrong because it's untrue. Most of the big expensive repairs you see in a car are the result of retards ignoring basic maintenance. These are the people who do oil changes every 10k miles, if at all. Spark plugs? Belts? Transmission fluid? Nah just ignore that shit until something breaks, then go sign up for another 84 month loan at 7.45% because a shiny new car won't have those problems.

[Anonymous No.25805660]

>>25805440
Shit taste.

[Anonymous No.25805691]

Why the fuck would I pay $30k in cash when I can get a loan with 2.99% interest or lower and put that $30k into the market and make more than 7%. Fucking retarded Dave Ramsey watchers

[Anonymous No.25805712]

>>25804018
narcissism - to give the illusion of high status in the most superficial and impermanent way possible

[Anonymous No.25805715]

>>25805587
Americans actually prefer the new car smell. They love the lightheadedness from toxic plastics off-gassing

[Anonymous No.25805735]

>>25804809
>Fuck public transit

Brainwashed.

Public transit is great and should be expanded and funded much more than it is today. Americans continue to have third world opinions.

[Anonymous No.25805781]

>>25805735
Just wait until your city gets a little more "diverse" and tell me how much you like public transit.

[Anonymous No.25805785]

>>25805653

[Anonymous No.25805799]

>>25804018
I just changed out the headlights in my 2010 car to led bulbs. Brand new and safe at night. Flex on normies

[Anonymous No.25805807]

>>25804395
>muh fuel efficiency
buy a 03 honda and 37 mph in the city if you really want to save muh fuel economy

[Anonymous No.25805809]

The only reason to get a car loan is if you already have the money for the car but can put the rest of the money to better use in investments.

[Anonymous No.25805851]

>>25804864
lmao no thanks bro i aint riding no bus with feral niggers
that being said, the public transport in Europe is heavenly, mainly because there are very little if any niggers on board

[Anonymous No.25805852]

>>25805781
I live in Chicago and I am not a brain melted /pol/ user.

You don't have to be afraid anon

[Anonymous No.25805882]

>>25804018
I don't understand either brother
https://youtu.be/wzHzV0rhtFk

[Anonymous No.25805898]

>>25805715

I know. It makes me think about the toxic makeup rich women used to wear in the Renaissance to flaunt their wealth. We didn't get any smarter.

[Anonymous No.25805932]

My job requires that I have reliable transport at all times, and don't look like a poor person.

> I'll drive my $2,000 car till the wheels fall off IDGAF, let them stay poor i guess?
Which will happen twice a month.

You unreliable faggot, I'll fire you if you're late again.

[Anonymous No.25805956]

are cheap cars actually worth it? most of the sub-5k cars on craigslist in my area look like dogshit but im no mechanic
my networth is like 40k so i cant really afford to buy a new car at least not until i graduate

[Anonymous No.25805979]

>>25804629
This is the type of retard who doesn't realize that many 95% of motorcycles are a more eco friendly vehicle than their retarded hybrid.

[Anonymous No.25805992]

>>25804550
the plano to west end ride was pretty comfy when i was out there in 2019. can't imagine driving that shit.

[Anonymous No.25805993]

>>25805852
at least make your gay larp believable. You don't leave the house.

[Anonymous No.25806004]

>>25805852
>he relaxed
Nice knowing you fag

[Anonymous No.25806015]

I bought a motorcycle. It's cheap, I can fix it at home with parts I order online cutting out the middle man and it's fuel efficient.

[Anonymous No.25806036]

>>25805852
i live near philadelphia. took public transit 10 times in my life before swearing it off. it's nothing but niggers in every large american city. even if you take it from the rich people suburbs, somehow niggers still find their way on it and ruin it.

[Anonymous No.25806074]

>>25805956
these faggots are larping. I spent 7 years driving 90's beater after 90's beater. I much prefer a 150 a month car payment than learning about what new part of my car broke today. The opportunity cost of all that time wasted fixing mazdas and hondas was not researching the markets or new opportunities.

[Anonymous No.25806078]

>>25805956
No, they're genuinely not. People who insist on shitbox cars are in a position where their personal image doesn't matter to their professional success; which means they work at Wal-mart or McDonalds, or some other service related job.

Any professional environment, and business culture, is going to judge you based on what you drive; and any potential employer is going to judge you on how clean and new your car is.

That aside, reliability is a massive factor in long term success; it plays into your image, and your punctuality precedes you once it's been established. A shitbox beater that breaks down consistently will end up interfering with your professional aspirations if you're hoping to climb above low level management.

[Anonymous No.25806086]

>>25804018

Yeah, no thanks dude. You can keep your rusty shitbox that doesn’t turn on when it goes below 25 degrees and stalls on hot summer days.

Meanwhile I’ll enjoy paying $400 a month for a brand new 2020 mustang GT that turns heads and makes girls wet. Poorfag problems I guess because $475 with zero interest is absolutely nothing for grown folk.

[Anonymous No.25806137]

>>25806036
you haven't lived until you've taken the r2 from marcus hook to suburban station

[Anonymous No.25806175]

>>25806078
based and reality pilled. owning a car doesn't have to be expensive. i bought a 3 year old cpo mazda 3 for $14k. it's new, reliable, has a warranty, and looks nice. people at work won't look down on me like some nigger on a temp contract driving a beat up hooptie that breaks down 3 times a month.

[Anonymous No.25806180]

>>25805658
They're too stupid to do basic repairs. Also most modern cars have a "take to dealer for service" light after a certain amount of miles or time, there may be nothing wrong with the car, these people will still be charged an insane amount of money for little to no work to be done. But that's okay because "it's a BMW, Merc, Audi, etc... and it needs special care that no other comparable economy car needs."

[Anonymous No.25806214]

>>25806015
i've thought about getting a bike, but i'm afraid to get taken out by some dumbass or a deer

[Anonymous No.25806215]

>>25806137
i took cornwells heights to jefferson station. super niggerish.

[Anonymous No.25806224]

>>25804018
Cars are nice. People need them.

Kleros is nice. People will need them.

[Anonymous No.25806225]

>>25806078
>Any professional environment, and business culture, is going to judge you based on what you drive; and any potential employer is going to judge you on how clean and new your car is.
No one gives a fuck about your C-Class Mercedes you wage cuck faggot.

[Anonymous No.25806232]

>>25805956
Depends on the car and how it’s been maintained. Every used car is different. My 200k mile bmw runs great. I’d take it to The west coast with no hesitation.

[Anonymous No.25806249]

>>25805932
>implying you cant buy a used lexus ES for 2Gs that will run forever and look decent.
all you have to do is not buy a shitefest and learn how to polish the car... sorry about your loss.

[Anonymous No.25806279]

>>25806180
Thanks just opened a shop

[Anonymous No.25806286]

>>25804018
>2003 sienna
>take seats out of the back
>use it like a pickup truck
>owned it for 3 years
>unexpected maintenance $500

and that's how i make 100k a year driving a beater.

[Anonymous No.25806304]

>>25806225
And what do you drive?

I'll tell you whether or not I'd hire you based on how shitty your ride is. I bet you don't even own a suit.

[Anonymous No.25806314]

>>25805932
>>25806078

hahahaha this guy has to pander to other peoples' biases to keep his job. I could show up to work on a Razor scooter and nobody would bat an eye.

[Anonymous No.25806316]

>>25805222
all cars have gotten less efficient over the years thanks to safety and environmental tech forced into new cars

[Anonymous No.25806321]

>>25806215
kek, northeast. lucky you survived those trips.

[Anonymous No.25806327]

>>25806225
hey team let's go out for a lunch. anon, can, you drive a few of us to the restaurant?
>uhh... umm.... yeah... hold on...
what's wrong?
>you'll have to climb through the front because both back door handles are broken.
ooooooooookay...
>s-sorry
UHHHH, ANON WHAT THE FUCK IS THAT NOISE?!
>sorry i need new wheel bearings but at least i don't have a payment, right?

[Anonymous No.25806388]

>>25805781
Agreed. I live in philadelphia, subway is too scary for me to ride. Always smells like weed, has sketchy crackheads living at the stations, and is coated in filth. If you ride when it's not busy there is about a 1/10 chance that you will have to talk to some druggie who wants money out of you. They will get uncomfortably close to you. I do not want to have to think about "will I get stabbed by this loon" every ~2 weeks.

[Anonymous No.25806400]

>>25806314
That's because you work at chuck-e-cheeze, retard.

[Anonymous No.25806432]

>>25805691
Because poorfags also need to manage risk

[Anonymous No.25806453]

Owning an expensive car especially if you are poor is retarded. What, you gonna pickup a woman in your new expensive car and bring her back to your mom's house? You might as well drive a shitty car to cut through the bullshit if you are broke

[Anonymous No.25806467]

>>25806388
ever go through suburban station on a weekend? fucking doors chained shut for no reason, halls with no lighting and drugged out niggers begging you for change but you can tell they're 3 seconds away from stabbing you to death, 0 police, 0 other people. fucking christ.

[Anonymous No.25806483]

whatever you anons do, don't buy a fucking nissan. look up "nissan starter switch" problem. that'll cost you $1000 and could leave you stranded in a bad situation.

[Anonymous No.25806489]

>>25806214
better to die than have to deal with medical expenses

[Anonymous No.25806508]

>>25806327
Who the fuck is still going out for lunch?

[Anonymous No.25806552]

>>25804018
>owned shitbox for 6 years and repaired almost everything myself
>started developing problems that were taking hours to fix and was impeding my ability to drive to work and earn money
>sell shitbox
>take out modest loan for a used mid-mileage car and get to work without worrying about the heater core breaking or the fuel pump seizing
>costs about the same to own
>will become more expensive as it gets older but cost of ownership will not outpace growth in wages

[Anonymous No.25806577]

>>25806467
they've basically sent all the phl homeless to 69th street terminal. avoid eye contact.

[Anonymous No.25806609]

>>25805222
checked, and yea, since covid there has been next to no traffic. Its absolutely a life changer. I drive maybe 15 miles, which used to take an hour, now takes 20 minutes, in 4th gear all the way.

[Anonymous No.25806619]

>>25806508
Professionals who discuss particulars and negotiate contracts over lunch, because as a high quality salesperson it's my job to know that there's an increased chance of a successful signing if the client is well fed before the negotiation actually starts?

It also affords me the opportunity to engage the law of reciprocity by buying his meal; along, of course, with the fact that my nice, clean, new car has impressed upon him the gravity of my success at such an early age. Not to mention it makes the client feel as though they're being respected as an individual, capable of autonomy; instead of a degenerate service monkey barely capable of convincingly expressing sentience.

Fuck you people are idiots.

[Anonymous No.25806622]

>>25804997
lol this is complete bullshit. You pay anywhere from like 200 to 400 every single month on a new car. Meanwhile I pay maybe a couple hundred every few months to change a battery or a fuel pump or something. You are basically paying repairs all 12 months of the year.

[Anonymous No.25806644]

>>25805809
This

Why spend my money when I can invest it and spend someone else's.

I KNOW I can make better than 10%.

[Anonymous No.25806717]

>>25804550
Freedom. I don't wanna have shit to do and night and jump in random Ubers with disgusting strangers, I wanna hop in my car and go wherever I need to be. Buying new cars is fine, just buy small cheaper reliable cars like a Corolla or Polo

[Anonymous No.25806756]

>>25806619
>Professionals who discuss particulars and negotiate contracts over lunch, because as a high quality salesperson it's my job to know that there's an increased chance of a successful signing if the client is well fed before the negotiation actually starts?

Lay off of Madmen for a while, LARPer

[Anonymous No.25806781]

>>25806756
It's sales representation 101, nerdlinger.

[Anonymous No.25806818]

>>25806036
Kek. I posted about philly public transit before seeing this post. What a shithole. I went through suburban station every day for about 3 years and god damn it was always sketchy. Holy shit the few times where I was forced to take subway and trolley lines due to weather have always been an experience to say the least. Jefferson is so much worse though. Avoid 69th street station like the plague. DO NOT GO ON THE SUBWAYS. Avoid the market-frankford line like the plague.

[Anonymous No.25806889]

>>25806818
my best memory was getting off at suburban station on a weekend and walking through a small group of niggers fighting each out, punching with their fists and throwing fast food and other garbage at each other. no police in sight. diversity truly is our strength.

[Anonymous No.25806942]

>>25806781
Do you wear a suit and fedora at the big meeting and look at graphs?

[Anonymous No.25806987]

>>25805440
Italian Miata?

[Anonymous No.25806994]

>>25805691
If it's so easy, why the fuck would anyone lend you money at 2.99% interest if they can just put the money into the market and get 7%?

Hint, 7% gains are bullshit and you've taken the bait.

[Anonymous No.25807004]

>>25806987
its a fag mobile, perfect for this guy

[Anonymous No.25807007]

>>25806467
Yep. Avoid on weekends in the middle of the day. They literally have ticket checkers before you get on the train so that homeless drug addicts can't beg people for money while they wait for their train. And yeah 69th is one of the scariest experiences I have had. Do not get lost or you will be in a world of fear. All of this has helped me to build some smarts up though. Generally if you act like you know what you're doing people will not question you. If you are approached by an over enthusiastic (usually black) person then just find a way to keep walking.

[Anonymous No.25807106]

>>25807004
as far as affordable two-seat convertibles go, there are really only two options. muscle cars are gay as fuck too. when I buy a fun car in the next year or so, I had the spider on my list, but something about it doesn't strike me right. it is a good conversation starter from what I've heard though

[Anonymous No.25807111]

>>25806078
Leave wagie

[Anonymous No.25807142]

>>25806942
The fuck am I, your father role playing how to ask my receptionist if there are any available entry positions with you?

Fuck outta here, BMW'let.

[Anonymous No.25807168]

>>25805440
>italian sports car
It's literally a Mazda miata with a Fiat badge.

[Anonymous No.25807204]

>>25806994
Because they make more money selling cars than they would investing?

Most companies do invest?

You're an idiot.

[Anonymous No.25807220]

>>25806818
>>25806889
didn't know there were so many philly anons here lmfao im in college still so i still take the trains ive surprisingly never ran into any problems but ive had a few close calls before

[Anonymous No.25807225]

>>25807142
> ask my receptionist

ahh i forgot about that trope too. Thanks for reminding me. You truly are the master of LARPing

[Anonymous No.25807252]

>>25805735
>Public transit is great
in theory yes, in its current capacity no. i don't even want to be within 50 feet of most of the people who ride the subway. also i will not ride public transit in the age of covid, because however much i think it's totally overblown i do not want to get my parents sick.
>and should be expanded and funded much more than it is today.
sure, but where's that money gonna come from? people who ride the MTA are a net drain on the system, which is already partially subsidized by tolls. drivers pay a ton of taxes and the city/state government needs that revenue to even think about expanding our public transit.

[Anonymous No.25807257]

>>25806994
Are you fucking retarded or what?

[Anonymous No.25807262]

>>25806086
why spend all that money and own a Mustang? Are you over 50?

[Anonymous No.25807264]

>>25806078
Imagine being cucked into a car payment by your boss.

[Anonymous No.25807295]

>>25806086
My shitbox turns heads too. I've got trash in my car thats been sitting for weeks and is piling up. Spilled something weeks ago and starting to mold. I constantly fart and keep the windows rolled up. Shower on a weekly basis. I absolutely love it when the chicks check out my ride. They might not be getting wet, but their gaze makes me wet.

[Anonymous No.25807304]

>>25807225
>>25807264
Imagine earning less than 9k a month.

[Anonymous No.25807315]

>>25806078
Imagine not driving a company vehicle and using company gas for free.

[Anonymous No.25807344]

Why do Americans have this autistic aversion to public transport? It's really weird.

[Anonymous No.25807356]

>>25807295
The best part is when I have to take a piss and I grab a bottle while people walk by. I love it when they moan in disgust that is even better.

[Anonymous No.25807372]

>>25807257
>posts a picture in the middle of the greatest bull run ever and not from 2000-2008
Yeah, I'm thinking you're wrong here, champ.

[Anonymous No.25807589]

My boomer dad just got $40000 car loan even though he makes $30000 a year and has no other assets. Don't even know how lenders can get away with shit like this.

[Anonymous No.25807594]

>>25807344

because people are filthy, disease ridden, and have personal space issues.

[Anonymous No.25807615]

>>25807344
Some time around the 1960s or 1970s, black people started stabbing people on the sidewalks so the Americans had to move away from the city centers which were in close proximity to the train tracks and bus stops.

[Anonymous No.25807688]

>>25805440
You do not have a real fiat like pic related. You are just another gayboy in a miata.

[Anonymous No.25807717]

>>25807344
i took public transit for many years. have you ever had a bus driver forget to stop and pick you up because no one inside rang the bell to get off and he didn't look for anyone waiting at the bus stop? at 7:30am in the middle of winter when you're running late for school? how about having the bus passing you because it's already full over capacity and has no room for anyone else? how many fights have you witnessed on public transit and how many times has someone tried to rob you while you were on your way home? how often is train service to your neighborhood completely shut down on evenings and weekends?

[Anonymous No.25807789]

>>25807717
this post is triggering the ptsd i don’t have
man, i so desperately want to love public transit, but after years of taking it several times a day i just can’t handle “bus people”

[Anonymous No.25807809]

>>25807344

Car manufacturers have been sabotaging it for the last century.

[Anonymous No.25807834]

i bought a 3yr old used car + mechanical warranty because i was tired of getting laughed at by bitches and criticized at work for driving my shitbox

[Anonymous No.25807926]

>>25804018
People are looking for validation and gratification. Buying (loan) car especially in third world country are considered super high class, Girls will start flirting and flocking to you if you own(loan) a single $10.000 range car. Almost all millenials do this... they will start spamming their social medias and dumb tiktok shit with once they got their new shiny car.
That's why most of them are hurting hurting themself by taking $10.000+ car loans that last 5-10 years on average with interest rate that ended up 200%-400%+ from original price with just $400 monthly salary.

Other reason are a people that got fired from their job, they need a new job so they take out loans for cars (uber driver or something like that)

[Anonymous No.25808023]

I made a really dumb car purchase early on in my life around 18 years of age. Bought a 40k car while making 25k a year. I’m upset that my dad didn’t talk me out of it. Obviously I should have known better myself but that’s something I feel like parents are for, telling their kids not to do dumb fuck purchases when they’re young.

[Anonymous No.25808117]

>>25804018
The average car loan interest rate is like 5%.
If you pay with cash, you instantly lose access to all that capital. If you pay with a loan, you can keep the capital and invest it. If you make more than 5% annual returns with it, then you've actually profited by taking a loan.

And if you can't, then you're a fucking retard - how could you not get 5% a year?

[Anonymous No.25808173]

>>25806327
fucking kek

[Anonymous No.25808181]

>>25807372
Ok. You really are retarded

[Anonymous No.25808227]

>>25807789
thankfully i live in an area with access to express buses and commuter rails that are slightly more expensive and luxurious than regular public transit, but orders of magnitude more reliable and civilized. if i ever had to commute into Manhattan to work i would take them exclusively.

[Anonymous No.25808282]

>>25808023

Are you sure your parents knew that it was a dumb fuck purchase? Just asking because my parents, who are typically responsible with money, didn't tell me about some financial land mines that I avoided only by luck.

>Mom & dad, should I go to prestigious out-of-state college that costs 20k/year plus tip or the college across town that I can attend for free?
>It's an important life decision so we'll let you decide for yourself :^)

[Anonymous No.25808289]

>>25807926
>Girls will start flirting and flocking to you if you own(loan) a single $10.000 range car

They do that if you drive a 2000 dollar used sportsbike you bought off craigslist too

[Anonymous No.25808291]

>>25807304
I’m in tech and I earn more than that. I get to work from home and I’m not cucked into having a certain lifestyle.

[Anonymous No.25808320]

>>25807106
get a 240
sexy as fuck and good on the road
my next goal is getting a 300zx. just because ive wanted one for years because it looks sexy to me

[Anonymous No.25808442]

>>25808320
the 300zx is my favorite 80s car. the first gen, with the flip-ups.

[Anonymous No.25808600]

>>25807926
>>25808289

Imagine not living in Zimbabwe where girls will suck your dick for the calories

[Anonymous No.25808744]

>>25804018

>he dosent know he can write off 100% of a 6,000lbs+ vehicle on his taxes

ngmi but 2 be fair normies dont know either

have fun not driving a superior to all euro luxury brands american heavy duty truck