Sell your car

[Anonymous No.57112806]

Buy a $1000 beater

[Anonymous No.57112809]

just walk retard

[Anonymous No.57112810]

Sell your Apple stocks to pay off your 2.85% fixed rate mortgage immediately

[Anonymous No.57112817]

There is no justifiable reason to own a credit card, ever.

[Anonymous No.57112826]

>>57112809
Just rent a $600/month apartment a block away from your job

[Anonymous No.57112835]

Just Uber.
The cost to Uber wherever you need to compared to buying, taxing, insuring, fuelling, etc, a car for a year would be next to nothing.
I doubt I would get to 1000 worth of uber over 2 or 3 years.

[Anonymous No.57112881]

Peel the potatoes BEFORE you weigh and buy them, that way you're not paying for needless waste that you won't consume. And don't forget to fold your toilet paper over a MINIMUM of five times.

[Anonymous No.57112898]

>>57112810
Unironically yes. Owning a home is life changing. You go from waging just to keep being allowed to occupy the bank's dwelling and put food in your stomach to owning your home free and clear and only needing to maintian the ponzinomics of modern life with utilites and taxes. You kown that when the bank owns your home the bank gets hundreds of thousands of dollars from you above the purchase price of the home FOR FREE as part of this miserable arrangement? If you can sell stonks of the 2nd best phone maker by global sales to pay off your house then do it. Apple is a gigga inflated zombie corp and doomed to implode back to reality. If you can own your home then you can live there so cheaply that you can have any career you want. You are no longer forced into 7 to 5 wage slavery to maintain shelter. You own the shelter. Better yet you can sell your house ans then put it as down payment on a far better house and still comfortably wage slave. You are my Apple top signal.

[Anonymous No.57112906]

>he doesn't pre-peel his bananas at the grocery store

[Anonymous No.57112911]

>>57112835
I relied on it for a week once and it was like $100 a day and I had to wait 15 to 30 min in the street like a homeless person before some rando larping as a cabbie showed up. Never again. You have no agency if you think that is acceptable.

[Anonymous No.57112932]

>I WILL NOT LISTEN TO SENSIBLE MARKET ADVICE
>WHY?
>i JUST WON'T OKAY

[Anonymous No.57112941]

>remove the bag before placing your produce on the scale

[Anonymous No.57112969]

>>57112806
>buy a $1,000 beater
He doesn't say this. He reccomends something in the $5,000 range that will not break down. He also only says this when people are up to their eyeballs in debt and have a vehicle worth $15,000+

[Anonymous No.57112981]

do retards still think $1000 is a lot?

[Anonymous No.57113182]

>>57112898
Rushing to pay off a fixed rate mortgage loan that is way below inflation is absolutely retarded. Inflation has eaten away at that cost and will continue to do so. Even in some catastrophe that house has gained so much value you can sell it for profit and wipe away the remaining debt instantly.

[Anonymous No.57113313]

>>57112981
GET A $1000 EMERGENCY FUND

[Anonymous No.57113328]

>>57112806
and pay 4k to fix it.

[Anonymous No.57113342]

>>57112806
I am 28
Live at my parents
I got no car, no bike, no bicycle, no vices (only dip tobbaco which is like 4 euros a month)
Don't drink, don't smoke, no only fans, nothing

If I was working rn, I'd be richer in 2 years than all of my friends with cars/renting that have been working for 10 years straight
I still get sexo

[Anonymous No.57113348]

>>57112810
no

[Anonymous No.57113353]

>>57112806

Fuck YOU Dave Ramsey!!!!!!!!!

I lost millions taking your "advice"!!!!!!!

Now I'm forced to live in the attic of my grandmother's house, feasting on rats and termites... sometimes I travel through the sewers, looking for fresh water...

[Anonymous No.57113363]

>>57112806
Speaking of 1000$ beater fuck BBC for their copyright of "cheap car challenges" , fucking loved those
https://m.youtube.com/watch?si=HgpPL7PXT-vcjIUy&embeds_referring_euri=https%3A%2F%2Fwww.google.com%2F&source_ve_path=MTY0OTksMjg2NjQsMTY0NTA2&feature=emb_share&v=pXas-XNrIDQ

[Anonymous No.57113380]

>>57113363
Whoops https://youtu.be/pXas-XNrIDQ?si=P0w56QwHbb2Rln_H

[Anonymous No.57113648]

Problem with beaters is that you're constantly spending hundreds of dollars at the repair shop if it's a problem you can't fix yourself. And you're going to be taking A LOT of trips to the repair shop, and at the most inconvenient times too. Dave can't comprehend that time is the more precious asset than a few extra dollars in your pocket.

[Anonymous No.57113661]

>>57112835
Uber has gotten crazy expensive over the past few years. I remember getting an uber from my hotel in New Orleans downtown over to the airport and it cost me $50 for just that one ride.

[Anonymous No.57113674]

>>57112898
My house payment is $300/month getting rid of that isn't life changing.

[Anonymous No.57113676]

>>57113648
Skill issue

[Anonymous No.57113678]

>>57112932
>SENSIBLE MARKET ADVICE
>implying

[Anonymous No.57113696]

>>57112969
5 grand is what a beater costs these days. 1 grand gets you something that doesn’t run

[Anonymous No.57113697]

>>57113648
Time is not valuable for the poor, indebted, and enslaved.

[Anonymous No.57113723]

>>57113648
I've been driving with my exhaust hanging almost to the pavement, car costed me 1200, repairs would cost 12000, not doing it. I "fixed" it myself, hung it up with a piece of steel wire.

Car is loud as fuck and everyone always stares at me when driving, but I don't care and decided to just play hardbass everytime I drive now to cover the noise

Also I live in a first world country, I need to have regular inspections (tüv) mine ran out a year ago, when police stop me I just say I'm on my way to the mechanic right now, please don't fine me. And since it's a small town the cops are nice and always let me go.

I also go regulary dumpster driving and collecting empty bottles (25cents a piece) I don't work and only collect welfare. I live like a king in my own house I rented from an old dude who will give it to me once he dies. There are empty houses everywhere here, he was happy.

[Anonymous No.57113731]

>>57113723
repairs would also cost 1200, not 12k typo.

[Anonymous No.57113738]

>>57113648
You have skill issues

[Anonymous No.57113745]

>>57112806
>transmission slips, blows white smoke out the tailpipe, "runs and drives"

[Anonymous No.57113753]

>>57112806
no such thing in yurop anymore.

[Anonymous No.57113771]

>>57113723
>I also go regulary dumpster driving and collecting empty bottles (25cents a piece) I don't work and only collect welfare
You're gypsy?

[Anonymous No.57113787]

>>57113182
My wage is also getting eaten away by inflation. So bad in fact that I can now only afford to buy the same home I am in now. Upward mobility will only come from selling my home once I own it and putting that cash towards a better home. Taking my 120k home and selling it once I own it at for 220k then throwing it at a 500k home to knock it down to sub 300k. Everything but my wage is massively over inflated. Renting to own my house from the bank for 30 years while only paying 1% of my "mortgage payment" to principal is slavery.

[Anonymous No.57113824]

>>57112806
>Buy a $1000 beater
This is actually somewhat sound advice if you already own tools and are capable of working on cars. Although, I'd try to hit the $5000 mark instead of $1000.

If you can't work on your own car, you're a total cuck. Bare minimum, you need to be able to diagnose issues and swap out individual components. If you want to avoid getting butt fucked by mechanics, you should absolutely know how to pull an engine or transmission at a pick and pull and swap a new one into your car.

[Anonymous No.57113887]

>>57113824
How shitty is your car that you need to get work done on it that often? I bought used about three years ago and haven't had to fix jack shit.

[Anonymous No.57113939]

>>57112806
/biz/ is full of too many shitskins and sois to wrench on their own car. They're also too stupid to find a good used vehicle so they'll bend over and take it from a stealership.

[Anonymous No.57113945]

>>57113887
I have several cars. Because I buy fun cars cheap from non mechanically inclined cucks for cheap and fix them. Even my daily 370z though, I drift it and abuse it quite a bit. I beat on it, it breaks, I fix it, I beat on it more, it breaks again, I fix it again until it's a mechanical tank. If you just want to be some kind of A to B wage cuck faggot who doesn't have fun in his car, then enjoy your lame cars that 'just werk' Not my problem that your life sucks. Doing this has taught me how to fix any problem I have with any car.

[Anonymous No.57113961]

>>57113945
Good for you I suppose, I do see a car as a utility more than anything.

[Anonymous No.57114052]

>>57113961
Most people who depend on a car are one car breakdown away from being totally fucked financially and logistically. It's really not uncommon for someone to run into a mechanical issue with their car where the repair costs exceed the entire value of the car.

Then if you go to buy another used car, there's no guarantee the same thing won't happen. So then your option becomes getting totally buttfucked by some overvalued piece of shit 'new' car with a $500/mo+ car payment and $200/mo insurance payment that immediately loses 10%+ value once you drive it off the lot.

Knowing how to spot a car/truck on fb marketplace or craigslist that has common issues that are easily diagnosed/fix and will cost you a couple hundred in parts if you fix it yourself, but a mechanic would charge out the ass to fix -- that's how you come out on top of the entire car scam. You lowball the fuck out of someone with a broken vehicle, you fix it, and you're enjoying basic liability insurance rates, no car payment, and you can sell it for a profit if you want.

[Anonymous No.57114075]

I still drive the same commuter I bought used in 2017

[Anonymous No.57114087]

I spent 19k on a car. No regrets. It's awesome to spend your money on nice things.

[Anonymous No.57114099]

>>57114087
Did you "spend" $19k on a car or did you finance a $12k at best car for $19k?

[Anonymous No.57114107]

>>57114099
spend. I was thinking of financing it desu and just holding the rest in crypto. But I just couldn't believe how many expenses on top of simply the loan got wrapped up in it. So I just paid cash.

[Anonymous No.57114125]

>>57114107
Biggest 'legal' scam I've ever seen is buy here pay here used car dealer loans. Those guys are straight up criminals.

[Anonymous No.57114153]

>>57114125
I don't have a clue what other people do for cars honestly. Kind of boggles my mind. I drove a 1990 shitbox until this year for the last 10 years that is in pretty rough shape all thigns considered. I paid $19k and i consider myself as getting a deal on it (2016 V6 accord in manual). I see peopleddriving more expensive and i can only really assume they're paying through the nose in interest

[Anonymous No.57114231]

>>57113723
I drive a 2006 toyota crayola. Bought for $1500. Did the rear brakes myself. Cost $90 from rock auto. Had a local welder fix the exhaust for $120. I love cheap cars.

[Anonymous No.57114251]

>>57114231
Really can't ever go wrong with Toyota anything. Even the Prius, you can replace the entire battery bank for relatively cheap. God I miss my 3rd gen 4runner.

[Anonymous No.57114293]

>>57112806
Just spent 4k on repairs

[Anonymous No.57114298]

>>57114231
I have the same car and it's got rusty rocker panels. The only thing that concerns me is this place in the rear where the rust is touching the rear suspension. Do you think I need to find someone to weld this eventually? I feel like even if I replaced the control arm, I would have nowhere to attach it to on the body since it's rusted off.

[Anonymous No.57114523]

>>57114298
>buys cheap pos car
>gets the most expensive tires they offer

Fucking poor retards man

[Anonymous No.57114576]

>>57113696
this

[Anonymous No.57114588]

>>57114523
It came with those tires

[Anonymous No.57114619]

>>57112806
yes the magical beater car that never breaks and costs $0 to maintain.
The apartments that require no credit checks
Unlimited jobs that you don't have to compete against anyone for
The houses you can buy in cash after working at McDonalds for $20/hr
The $1000 emergency funds that last you 6 months

Living in Boomer Fantasy Land does sound nice

[Anonymous No.57114756]

>>57113945
Yeah a "car guy expert" that buys and works on Nissans lol.

[Anonymous No.57114837]

>>57114619
>The $1000 emergency funds that last you 6 months
You're conflating two of Ramsay's meme concepts. The 1k fund is literally step one, before even thinking about repaying debt. Then after you progress through the debt memeball, you create a 6 month emergency fund

[Anonymous No.57114904]

>>57114837
$1k is not enough. It doesn't even cover 1 months rent.

[Anonymous No.57115001]

>spend 1500 every year keeping the piece of shit running

[Anonymous No.57115233]

Ultimately having a car is a luxury. My first job out of college (military) while drowning in student debt I made a point of only looking at apartments within walking distance of work, and I walked to work for a few months. Once I had some money saved up I bought a $1000 bike (not BSO). Then I stuck with that for about a year until a coworker wanted to unload his car for a good price, so I paid him cash for it (about $4500). That car lasted me like 5 years (and a ton of miles driving around the country) until the engine broke, now I was at a job where I lived driving distance away and there was no public transportation. I still had the nice bike but by that point I had no debt anymore so I bought another similar car for a similar price. In hindsight this was a bad move because I could have just done a one year lease, since I was getting out of the military and then spent most of my time out of country travelling, and the new used car I got needed a lot of repairs on dumb bullshit. Never buy from blacks, just never do it. In my case this was all possible because I leaned hard into everything the military had to offer in terms of benefits: free food, free housing on deployment, VA home loan, cheap insurance, refinancing student debt, etc, so I was able to pay off my student loans in three years by scrimping and saving, then spend the next 5 years accumulating crypto. In hindsight I should have been DCA'ing into bitcoin from the start, when it was in the three digit range, but I was desperate to pay off debt at the time and worried about getting kicked out lol.

The best way to deal with debt is to not get into it in the first place. It's time to stop telling kids they need to go to college. It's a scam and a waste of time.

[Anonymous No.57115276]

>>57114756
> Yeah a "car guy expert" that buys and works on Nissans lol.

What are you even trying to say?

[Anonymous No.57115291]

>>57113787
Keep paying off that loan like a good goy, rich people get rich from borrowing money.

[Anonymous No.57115295]

>>57113945
>Because I buy fun cars cheap from non mechanically inclined cucks for cheap and fix them.
Lol same
>Oh no my 10 year old car is ruined because it makes a squeezing noise when I go over the speed bump, the mechanic said it'll cost $8k to redo suspension!
I go to Rock Auto for parts, do it myself, and spend 1/4 the price.

[Anonymous No.57115325]

>>57112898
the only thing I agree with in this tirade is
> Apple is a gigga inflated zombie corp

[Anonymous No.57115341]

>>57112969
>He reccomends something in the $5,000 range that will not break down
lmao. I bought a beater for $5000. It worked fine for 4 months, after that it was just failure after failure. It got to the point where I was spending $1000/month just to keep it running

[Anonymous No.57115369]

>>57115295
Exactly. Just replacing the bushings, ball joints, and struts on older cars can be enough to make them feel like new. I bought a 92 Miata for like 3k that someone had already put 3k into and I upgraded the suspension, shifter bushings, standalone ecu and tuned it. It’s a fun car to rip around in, insurance and gas cost nothing, and it’s great to have as a backup. I would legitimately drive it cross country right now with zero worries.

[Anonymous No.57115397]

>>57112835
>just Uber
Everyone in this country doesn't live in a liberal shithole diversity ridden hellscape bub

[Anonymous No.57115415]

>>57112806
>>57112809
>>57112826
stealth camp in/at your job
bathe in the sinks
eat from the garbage

[Anonymous No.57115502]

>>57115415
> stealth camp in/at your job
Reminds me of when there was a whole subculture of people sneaking into Google/Yahoo etc campuses with counterfeit badges or badges that never expired and essentially just living there, eating the free cafeteria food etc. I’m sure there’s still people doing that kind of thing but it’s probably more complex to do that kind of thing now. I was hearing about this company that has memberships to general office space complexes like this as well that were membership based and people started realizing their memberships never got deactivated even though they were expired so that company is going bankrupt.

[Anonymous No.57115547]

>>57115291
No they don't nigger. Businesses operate that way and regularly get btfo by it and are sold off. Don't run your personal finance like an LLC. You'll end up homeless.

[Anonymous No.57115606]

>>57115547
Buy your home in Florida and apply for homestead exemption. Judgment creditors can’t force a sale.

[Anonymous No.57115607]

>>57113182
>Rushing to pay off a fixed rate mortgage loan that is way below inflation is absolutely retarded
This is only true if you place no value on your time and don't mind waging 9-5 to keep up on payments. Like the other poster says, you can work the bare minimum at chill part-time jobs and easily afford to live if you don't have a monthly housing payment. Owning your home outright is basically early retirement if you're not a turbo consoomer

[Anonymous No.57115662]

>>57112806
Idiot. Buy a $5000 RV and live in it at your job's parking lot. Shit in their toilets. A lot of places have a shower on site now for cyclists.

[Anonymous No.57115691]

>>57115662
My job made us go back to office, so I have trained my body to only shit between the hours of 8-4 monday-friday. Want me to spend money in gas? Well then I'll recoup my costs by using your plumbing instead of my septic system.

[Anonymous No.57115723]

>>57115607
I have a wife and 3 kids. Being a lazy faggot isn’t on the table for me

[Anonymous No.57115733]

>>57112826
>$600/month
>average apartment in America is $1800/month with nothing of note within walking distance
Gib

[Anonymous No.57115797]

>>57115547
Upward mobility for you would be to invest your additional income into things that will substantially increase in value(crypto) in a few years rather then paying off a fixed rate mortgage. I dont expect you to understand because you are an emasculated male who lives life with 0 risk

[Anonymous No.57115857]

>>57112806
>$1000 beater breaks down, you get fired from your job because you can't show up.

[Anonymous No.57115882]

>>57112898
If I sold my assets to pay off my house, I wouldn't have enough working years to buy it back and at the same time, the value of my home continues to go up.

[Anonymous No.57115917]

>>57114298
Coat the rust in old motor oil, grease, or spray with fluid film or something similar to stop the rust.
>>57114251
I had a 94 runner and miss it so bad. My next car will be a gen 2 Prius. They might be the most reliable car ever made.

[Anonymous No.57115952]

>>57113674
Nigger where do you live? A cardboard box in the middle of the forest?

[Anonymous No.57116001]

>>57112806
I don't have a car note anon, why would I sell an asset I don't owe on?

[Anonymous No.57116082]

>>57113745
>ACK-omatic

[Anonymous No.57116091]

>>57113731
A new exhaust is like $150, not $1200, and you won’t look like a poor retard to everyone you pass on the street.

[Anonymous No.57116101]

>>57114298
It's fine. This is my truck.

[Anonymous No.57116132]

>>57113723
>Dumpster diving for pocket change in 2023
It's weird. When I was a kid, empty bottles could be recycled here for $0.10. I think that law was put into place in my state in like 1980. It's still $0.10 today. Meanwhile that same amount of money will get you absolutely nothing. I guess the welfare there for the disabled (mentally) must be good.

[Anonymous No.57116402]

>>57112806
"beaters" cost 15k in the US now, Dave.

[Anonymous No.57117021]

>>57112806
dis nigga eatin beans

[Anonymous No.57117102]

>>57112969
95% of people who need this guy's advice have zero chance of IDing a used car that isn't a money pit. And 5k is smoking crack. Try 10k with a very narrow list of options, and then you STILL need to avoid getting raped on repairs, which requires brains and effort.
#1 cause of staying poor is getting fired - a three way tossup between "but I can't get childcare", "my car broke down", and lazy fucks not bothering to even show up
Ramsey is advice for NPCs who lack basic life skills. It's the best they can do without more intensive intervention.

[Anonymous No.57117158]

>>57112911
I tried for 72 hours in Los Angeles instead of driving and racked up $865. Uber/lyft is a RIPOFF with the surge pricing. Conversely my car payment is $240 month and insurance is another 65 a month. Leasimg a car is way cheaper and faster than relying on anything else, period.