/biz/ - Business & Finance

[Anonymous No.54328385]

whats the maximum you would spend on a car?

[Anonymous No.54328390]

5% of my NW

[Anonymous No.54328401]

£6,000

[Anonymous No.54328411]

>>54328385
>romanian
>bmw
kek

[Anonymous No.54328416]

>>54328385
Should i kms

[Anonymous No.54328418]

>>54328385
friend of mine is a truck driver and just bought a car for 95k lol. He makes a little over 100k per year but I still think its ridiculous

[Anonymous No.54328513]

Im not really a car guy, so no matter how wealthy I get I can't see myself ever spending more than 60K on a nice pick up or sprinter van

[Anonymous No.54328519]

>>54328385
nothing. I don't want a car.

[Anonymous No.54328526]

>>54328385
50000€

[Anonymous No.54328565]

>>54328385
less than 10% of your net worth, MAX.
only buy used never new. Unless you have 5 million or more than there is never any reason to buy a new car.

[Anonymous No.54328583]

I do a lot of business in miami and people are car crazy over here.
it's completely put me off the idea of cars.
There's this place on my way to the gym that has a G wagon in the garage.
I checked the place out on zillow. $450k zestimate.
It wasn't even that much of an outlier. Lots of escalades here too

[Anonymous No.54328600]

3 oz. of Au

[Anonymous No.54328654]

>>54328385
$25k max
$15-20k is the sweet spot
used
~100k miles
1 owner boomer
budget an additional $3k for new tires, brakes, and service maintenance
The boomer will be looking to upgrade since his 5 yr/100k mile warranty is expiring. Haggle a little if the 100k service maintenance hasn't been done yet. Also, you can expect no nigger aftermarket parts to be installed and the vehicle to be maintained adequately. Just remember the cheaper you go the more maintenance you'll be likely to put into it. Not a big deal if you can wrench on it yourself.

[Anonymous No.54328661]

>>54328385
For that car probably like $12,000

[Anonymous No.54328669]

>>54328385
better question is what brand and model of car you should buy. probably include age and mileage in that too.

toyota camry
5 years old
60k miles

[Anonymous No.54328674]

>>54328669
i want to get laid so only premium brands

[Anonymous No.54328677]

>>54328674
ok

lexus es350
5 years old
60k miles

[Anonymous No.54328679]

>>54328385
no more than 25% of long term savings on the down payment. And no more than 10% of my post tax/expense earnings on the monthly payment. But interest rates are too high now so I wouldn't take a loan today.

[Anonymous No.54328688]

>>54328418
>>a car for 95
The fuck, did he get a Maserati or something?

[Anonymous No.54328697]

>>54328385
2-3k

[Anonymous No.54328820]

>>54328385
$0, cars are free.

[Anonymous No.54328899]

>>54328677
>fwd
the only place you'll get laid is at the old folks home

[Anonymous No.54329059]

>>54328385
3k

[Anonymous No.54329134]

>>54328820
AHAHAHAHHAHAHA based

[Anonymous No.54329140]

0

[Anonymous No.54329141]

>>54328385
BMW are nog/paki cars, I hope you don't buy this

[Anonymous No.54329142]

Used? 15k
Don't think I'll ever get a new car

[Anonymous No.54329169]

>>54328418
>friend of mine is a truck driver and just bought a car for 95k lol.
Jesus what? That's probably a year of his life that's devoted it

[Anonymous No.54329170]

>>54329142
>used cars a decade old are 15k
When the fuck did this happen kek

[Anonymous No.54329177]

>>54328565
this i think is a good rule. if you start accumulating even more money id say 5%

and yeah. do not buy new cars. they depreciate by a quarter the moment you drive them out of the dealership.

[Anonymous No.54329181]

>>54329170
Toyotas and Hondas are even worse

[Anonymous No.54329196]

>>54329181
I've been in the woods 6 or 7 years. I bought a 88 Chevy cavalier in 2002 for $500
What the fuck happened

[Anonymous No.54329201]

for the lulz, otherwise probably $14,000 max on a used

[Anonymous No.54329210]

>>54329196
I'd just go back into the woods anon, it's for the best

[Anonymous No.54329220]

$0.

[Anonymous No.54329223]

>>54328418
let me guess - 6 year loan? I fucking hate debt fags. I hope the changing in financial l landscape wipes them out.

[Anonymous No.54329230]

>>54328385
100k, but only if I got at least 1.5 million

[Anonymous No.54329260]

>>54328669
I drive a 2020 suby lesbo wagon and I'm inside a new girl each month, cars mostly don't really matter

[Anonymous No.54329465]

>>54328385
About 25k euro

[Anonymous No.54329483]

15k euros
and nothing more than 80,000 kilometers
"beautiful" cars are for niggers and women

[Anonymous No.54329488]

>>54328583
i would buy a late 80s diesel g wagon in manual but they're still $50k+ for a 35 year old merc
we live in such a clown world

[Anonymous No.54329515]

>>54328418
>drive all day, pay a lot of money to drive some more
>pay for 7 years with interest to drive a depreciating asset that breaks all the time
>be high on pills, never home, bad back

[Anonymous No.54329535]

>>54329141
They are daddy's boy around parts I'm from
Audis are for influential politicians (embezzlement gurus) and entrepreneurs (mid level criminals)
Normies and cops drive Skoda, Volkswagen

[Anonymous No.54329574]

>>54328385
2-3% net worth

[Anonymous No.54329614]

>>54329574
Yikes here I am with 115k and no cars in my price range bros. It's over

[Anonymous No.54329631]

>>54328385
Romanian gipsy alert!

[Anonymous No.54329669]

The rule of thumb for anyone with less than a 8 figure net worth:

>car: max 5% of net worth
>watch: max 1% of net worth

If 5% of your net worth is not enough to buy a car then you can't afford a car and all of the maintenance costs. Take the fucking bus

[Anonymous No.54329686]

>>54328385
Depends on the pricing of the tech involved. A bullet and bombproof car would be pretty sweet.

[Anonymous No.54330342]

>>54328385
1 ether

[Anonymous No.54330355]

>>54328385
anything that's still working and safe for my family.
maximum 15k.

but i'll only do so if we can't retain our current car which is SUPER beat up and dirty.

cars can easily be destroyed, nicked, dented so there is no reason to have a fancy car if you don't have a house, private garage to support it.

also: showing off is for gay people faggot

[Anonymous No.54330356]

If financing, 10% of my net worth. If it was nice, maybe 11%. I do this because I'm White, responsible, and not a fucking nigger or curry nigger or other undesirable minority.

[Anonymous No.54330391]

>>54328385
Already spent $110k.

[Anonymous No.54330418]

Its 100k to own a certificate to own a car

[Anonymous No.54330636]

>>54328385
£15,000, that is max. £10,000 max on bikes

[Anonymous No.54331044]

>>54328385
lmao I'm currently looking at BMW's series 3/4 from 2014-2016. Maybe even an X1 from 2019 is in the same <$20k price range. Think these are the best you can get in terms of looks+performace+reliability in that price range at least.

[Anonymous No.54331113]

>>54328385
As little as possible.
Transportation is one of the biggest wealth destroyers aside from property rent/mortgages.
Unless I’m living in an RV or boat to roll those costs into one unit I’m not going to be expending much.

Expensive brand cars are like expensive brand shoes, distractions for the poor and rich-poor

[Anonymous No.54331140]

>>54328385
I lease one for 2 years and add an extra case or two to my law practice caseload to pay for it.

[Anonymous No.54331160]

>>54328385
at least 200

[Anonymous No.54331196]

>>54328385
30-40k at max, new cars are pretty bad idea for the average joe, you will bleed money, from interest to depreciation, only if you have 7 figures in your bank account and 50-100k is nothing, then you buy new. But the richfags they will lease something if they want it
>>54328418
>that car would cost half in 5-6 years,without taking into account gas, liquids, repairs, etc

[Anonymous No.54331205]

>>54328411
More like 1500000 km

[Anonymous No.54331219]

I've made around 100 to 160k a year's for many years now and I still refuse to spend more than 2 or 3k on a car. Currently driving my 2006 corolla that I bought like 5 years ago.

[Anonymous No.54331235]

>>54328385
A couple million, assuming I'm worth 50M+.
At my current nw? About 15k.

[Anonymous No.54331309]

>>54331044
based.

[Anonymous No.54331324]

Set up LLC and put it into expenses and tax write offs.
Jfc is this a biz or tiktokpreneur general

[Anonymous No.54331491]

nobody spends money outright, only dummies do that. leasing is so popular among rich people because they pay crickets and are still able to double/triple the money the car would've cost outright with their investments.

[Anonymous No.54331563]

>>54328385

If I was rich? I'd buy a Mercedes-Benz; https://www.mbusa.com/en/share/build/A3V4JU

But, as a normal wagie? Just a basic Toyota Corolla. $28k maximum.

[L Lawliet !!jIcPNMSVBL3 No.54331618]

>>54328385
around 3 of my paychecks so i guess around 3-4k euros, tho i personally think cars arent worth it do to constant maintenance, and car registration, insurance, and so on, is just too expensive, as well people will go down the rabit whole and spend an insane amount of money on car when there is really no need to do so.

[L Lawliet !!jIcPNMSVBL3 No.54331630]

>>54331618
green ++ ID holy shit

[Anonymous No.54331640]

>>54328385
zero, i don't like driving

[Anonymous No.54331688]

>>54331324
>>54331491
if I have time I'd prolly do a combo of these 2 to optimize costs

[Anonymous No.54331925]

>>54329669
>>54328654
>>54328390
>fucking net worth
get the fuck out of here with that retarded horseshit
its a car
its a non-durable consumable, that shit is fucking worthless and you should spend as little as possible out of your available cash/liquid, itd be like spending 5% of your fucking net worth on a chocolate bar with a 2 week shelf life

[Anonymous No.54331930]

>>54328677
If it's slick and got the car specs I crave, then it ain't bad. Plus, major props to holoride for hooking me up with their dope retrofit device which I won via their last giveaway- works with any whip! Can't wait to kick back in the rear and soak up some chill vibes on my next ride. Heads up, they're dropping a new giveaway at month's end, so you DYOR.

[Anonymous No.54332072]

>>54328385
$1450/mo but its worth it. i love my truck

[Anonymous No.54332102]

The most I have spent is 3k in 2017 for my current vehicle. I also do all the maintenance on it.

[Anonymous No.54332153]

I just spent like 19k on a honda accord

[Anonymous No.54332219]

I bought a new hyundai for like 30k.

used cars were from 2018/19 were like 20-25k so I figured what the fuck was the point of buying used.

[Anonymous No.54332255]

>>54328385
Let's take this BMW for instance, what could you sell this car for in 5 years? how much price difference is there between a 7 yo BMW and a 12 yo?
You might be able to sell it for close to what you bought it for, it seems like the more expensive a car is, the less it looses value over time (excluding brand new cars).
Buying expensive used cars might be the cheapest way to be a car owner in the long run.

[Anonymous No.54332263]

>>54332153
Based. Enjoy the best sedan.

[Anonymous No.54332378]

I have 50k performance sedan and a 10k supersport motorcycle nw about 1.5m.

[Anonymous No.54332408]

Reconciling the 2-3 months of net income rule with the fact that most people never get out of the Hyundai range is very difficult. 200k gross is 10k a month net, or the cheapest Hyundai.

[Anonymous No.54332941]

>>54332263
Dohoho I'll do you one better. I got the coupe

[Anonymous No.54333118]

Jusy bought.
2008 Saturn Sky Red line, rebadged at Opel GT. 60k miles. 10k all in.
>I made 187k in 2022 gross
Don't fall for the high monthly fixed cost jew

[Anonymous No.54333145]

>>54332941
>the coupe
more like THE COPE

[Anonymous No.54333158]

>>54328385
0 i drive my dads car

[Anonymous No.54333167]

If it's not a Lambo
then it's a Coupé

[Anonymous No.54333194]

>>54328385
Bought a decent used car a few weeks ago for 14k. I was going to only drop 8k but I didn't have any transportation and I make 70k/y or so and the car was good with 90k miles so whatever. It was quite a bit more than what I wanted to spend but cars are fuckin expensive these days.

[Anonymous No.54333204]

I bought a lightly used 12k mile 2015 civic in 2018 for around 16k
Today it’s at over 60k miles and it’s worth 15k

[Anonymous No.54333227]

>>54328418
Meanwhile a software engineer with a university masters degree makes 60k $ here.
Americans have it so good financially, unbelievable

[Anonymous No.54333468]

>>54333227
yeah it really is ridiculous. i am a lowly warehouse wagie yet i still make 30 an hour

[Anonymous No.54333593]

>>54328385
Probably like $10k
My current car cost me $3k and I drive it like a nigger because it's basically disposable
The most expensive car I ever owned was $8k
I have never had a car payment
My insurance is like $500 a year
I do my own work and generally a repair will cost me less than $100, have one or two a year at most
If I notice there's a major powertrain deficiency, I'll stretch it out as far as I can and sell the car before it shits the bed. I'll even tell you about the problem, I get back about 70% of what I paid generally
For me, it's the hooptie gang lifestyle

[Anonymous No.54333595]

>>54331925
chocolate bars don't have motors, chud

[Anonymous No.54333716]

>>54328385
I got a 13 year old, 104k miles Toyota Matrix for 5k. I'm pretty happy with it.

[Anonymous No.54333731]

>>54333227
Don't forget working hours, taxes and living expenses. Americans can earn $30/hr and still live paycheck to paycheck. Here in post commie eu I make $2.7k/mo as a code monkey but that is after tax and my expenses are 290$ rent + food. Also GAY captcha lmao

[Anonymous No.54333756]

>>54328385
3k
USED CAR CHADS WHERE WE AT

[Anonymous No.54333763]

>>54328583
Same in Los Angeles. people just have to flex. I have neighbors on my street full of apartments and crappy condos in west La with teslas, Maserati, all kinds of Mercedes.
Who are you fooling? I know we pay similar rent

[Anonymous No.54333790]

>>54331196
>>54329142
>>54333763
Wtf all these posts from right around my house. Is west La the hub of dumbass car fags?

[Anonymous No.54333798]

my car is 2018 budget one ~$15k
I'm planning to upgrade to 2024 BMW at ~$45k
Then maybe go further to ~$80-100k

[Anonymous No.54333799]

the next thing I have my eye on is about $12,500

[Anonymous No.54333834]

>>54333731
Yeah taxes are lower in america as well, didnt mention that

Saving for a car takes longer ofc, and house prices are 2/3 of american prices while earning a third

[Anonymous No.54333903]

For me I’m going to be buying as many late 90’s JDM cars as I can before they become legal to import into America. The wrx I bought in 2017 has now tripled in price now that’s it’s legal in the USA. If you had bought an R34 GTR for maybe 50 grand around that time you’re looking at 250k+ today. Cars like this are only going to go up in price from here on out IMO as there is a finite supply, and the faggy powers that be want to switch to electric by 203-whatever

[Anonymous No.54334037]

>>54333468
Is it really that crazy. America has spoken that instant delivery goyslop is what we value most. It makes sense that warehouse wagies are making good money now.

[Anonymous No.54334038]

>>54331925
it's a lifestyle bro

[Anonymous No.54334110]

>>54333227
>>54333468
>>54334037
Enjoy it while it lasts. Russia and China are using Yuan for trade now, your luxury of being reserve currency will be over in a couple of years.

https://dailystormer
DOTin/it-is-done-putin-announces-agreement-for-the-yuan-to-become-the-new-global-reserve-currency/

[Anonymous No.54334236]

I don’t drive. Refuse to get a license. I’m 28 now. So $0

Meanwhile carcucks continue to spend 112% of their net worth on a depreciating asset, might as well finance a pizza LMAO.

[Anonymous No.54334526]

>>54328418
>friend of mine is a truck driver and just bought a car for 95k lol.
I know two illegals that run house cleaning business that just bought brand new audi RSQ8. They dont even have driving license and its a +$120k car lmao

[Anonymous No.54334947]

If its not a honda, it must be a yota else, they are not made for Aryans.

[Anonymous No.54335384]

make~200k a yr. I want to buy a honda odyssey for ~35k . Our cost of living is only ~65k a yr .25k loan with good credit would be less than $500 a month. Going to have 2nd kid and have a dog. Stuffing them all into a sedan is getting crowded. What say you

[Anonymous No.54335414]

>>54335384
Honestly anon shuffling a big family into a minivan sounds like the dream. Very Comfy

[Anonymous No.54335529]

>>54335414
Ya but I only have ~60k net worth, dont own house. Planning to buy in 3-5 yrs or once I have 200k laying around. Our cars are 7-13yrs old. I dont see a car purchase messing with this plan.

[Anonymous No.54335632]

>>54328385
$15k

[Anonymous No.54335959]

>>54333756
In 2001 i bought a 1999 Ford zx2 with 27k miles for $7600 from a dealership. Car was like brand new. 5sp manual, zetec motor, great mpg. Only shitty thing was gearing was not great and was really revvy at 80mph. We have a lexus es350 now and that thing revs at 2K at 80mph and still get 30mpg or better in summer.

[Anonymous No.54336167]

>>54328385
5% of my yearly income.
I gotta save money for when I need to get that Porsche on my 50's

[Anonymous No.54336195]

>>54329488
yep. I love this one but the price is just ridiculous. and the new g wagons are so fucking tacky too, that I wouldn't buy one even if I had the money

[Anonymous No.54336327]

>>54332255
>"the less it looses value over time"
>$150,000 mercedes
>$12,000
sure thing retard

[Anonymous No.54336569]

>>54329170
>>used cars a decade old are 15k
They also have over 100k miles on top of it
Its only going to get worse too

[Anonymous No.54336688]

>>54335384
minivans are very comfy to drive

[Anonymous No.54336746]

10k grand max
I bought my first car 5k, but I don't need something that big anymore so I'm gonna sell it and get something smaller for 3k
Cars are not important
I hate car culture

[Anonymous No.54336770]

My transport is a $3000 honda blackbird. If it dies one day I'll probably buy another old shitbike

[Anonymous No.54336783]

I bought my Accord in 2019 for $25k cash. The dealership offered to buy it back for 32k last year. I declined because I'd burn up all the profit on something equally nice. 25k was the max that I would allow myself because I was already getting hosed because it was a new purchase from a dealer.

[Anonymous No.54336805]

>>54329177
>they depreciate by a quarter the moment you drive them out of the dealershi
This isn't true. Cars depreciate as you drive them, not because you just left the lot. The car has a value, what you're losing is the dealership markup that you paid. It's like the premium on gold purchases

[Anonymous No.54336806]

>>54328385
I would lease an $88k car for 3 years. A lotus emira to be exact.

[Anonymous No.54336856]

I have never owned a new car.
But I have owned every car I have driven.
Never paid more than 14k.

I could absolutely afford to drive a brand new lease. Just don’t care.

[Anonymous No.54336857]

>>54336783
25k cash with taxes and fees?

thats a pretty good deal for an accord if so
now the EX is 30k pre tax/fees and only has a 1.5L turbo.

[Anonymous No.54336880]

>>54336857
It was 25k out the door with tax, tag, and fees. Got a lifetime warranty and every single bell and whistle possible. I was trying to buy the car for six months and the guy finally gave in on the last day of the month. This was in 2019 though. You'll never be able to get one under 30k now.

[Anonymous No.54336921]

This all really depends if you’re a car person or not. If you don’t care about cars don’t spend a lot. But if you are a car person life is too short not to drive something fun and exciting

[Anonymous No.54336924]

Just go buy something like a 2005 corolla. You can usually find one that's been sitting in a pensioner's garage that they're now selling because they've been deemed too decrepit to drive and it'll cost 3k or so. You can get replacement parts from any scrap yard for pennies and most repair jobs you can learn from googling. Repeat this process when you run into any costly repair job (fucked gearbox or engine, you crashed it like a retard and destroyed a large portion of the exterior, etc) that's worth more than the market value and leaves it undrivable.

[Anonymous No.54336959]

>>54336783
VERY nice anon. I just paid 18.5k for a 2016 EX-L but I do wish I could get the 2.0T near 20k instead for the goat fuel economy and better inside features. Maybe if I get tired of the J35 in a coupe form factor but honestly having a ball in it thus far

Damn. I can't even imagine being blessed to get one of those at 25k. Hope you treasure it.

[Anonymous No.54337212]

>>54334947
>else, they are not made for
wat

[Anonymous No.54337257]

>>54328385
Like everything in life it's all relative to what you can afford never over-extend yourself for a depreciating asset. I wouldn't buy one outright because they aren't a great investment, better to pay a set amount over a few years and get a new one at the end of it, especially at the moment when we could be seeing hyper-inflation around the corner.

[Anonymous No.54337287]

>>54328418
a 95k EUR Beemer is just a tax write off in its birthplace. You may as well buy the most expensive POS on list, because otherwise, you are handing that cash over to the Government. They basically subsidise the car industry. This still only makes sense for self-employed and hi-rate taxpayers tho. At some point normies started buying 95K POS on loans - that cant end well, nor is there any legit explanation for such insanity.

[Anonymous No.54338993]

>>54328385
i hate cars and carfags
i never pay more than $5k for a car.