Poorfags making car monthly payments

LMBAO!!!

Fuck off merchant

Nigga doesnt understand the time value of money

>not owning a sickass car in your limited lifespan

>settling on what you can buy outright in your account at the time you need a car

>being too poor to outright buy what you want
lmaoing @ ur lyfe

would rather save my cash for a house than buy a car outright

>1.2% apr on my car
>the money that would have been spent buying the car has already made 50% in return

No youR fucking retarded

>muh 3k civic meme
>transmission dies
>3500 to rebuild

Real smart. Have fun taking the bus while you save up enough to get your car fixed.

There *are* smart ways to finance a car, but most of Veeky Forums don't realize that.

My dads pretty wealthy and he NEVER buys cars.

What he does instead is instead of dropping 80k on a new car, he will lease it and invest the money he now has on hand.

So 80,000 @ 6%/yr (min) = $4800/yr in gained capital so after a 3/yr lease hes up like 15k over just buying the car.

And if he wants he can just buy the car out after the lease.

Buying a car really never makes much sense tbqh. Either buy used or finance/lease properly.

>laughing_girls.jpeg is making a comeback

Time to commit sudoku

What is a smart way?

...

Its cheaper to finance because you're actually left with something of value at the end of the period

Pretty much all wealthy people lease or drive some old Toyota or Honda. No wealthy person would ever drop 50k on something like a used S class or used sports car. But of course Veeky Forums is better at money than these dumb multi-millionaires.

Finance payments are usually higher then 0% interest though, and a buyout on a lease is normally pretty close to car price - lease payments made on the car.

shut up

Yes, wealthy people never spend money on cars
Those massive private collections of all sorts of cars ranging from a bone stock camaro to million dollar prototype race cars aren't owned by rich people, they are owned by a mcdonalds burger flipper

Stop saying stupid ass shit like that
Every wealthy person I know drives a car worth something. Stop loving in fantasy land where every millionaire wears cargo shorts and kmart tshirts

It's okay. I know all this grown up financial talk is a lot to take in when you only have to worry about a bus pass. We'll make it through this together.

Is there any reason not to finance if the interest is 0%? I just took the 72 month/0% option with as large a down payment as I could make, with the intention of just paying the rest off when I get my Corporal pay (which is guaranteed unless I fuck up spectacularly).

No

FUCKING SHUT UPO

The people that own those collections aren't normal wealthy people, those are the ultra wealthy.

The wealthy people I know drive Kia's and wear Wal-Mart clothes, yet they could afford to buy you and your family.

Most wealthy people are also cheap as fuck.

You must be thinking about rappers and "footballers"

I grew up on food stamps in Oakland, went to the best private school in Las Vegas, Ivy League college, master's, and med school, now I am a doctor and have known everything from the poorest to the richest including royalty/VIPs and it's true: smart wealthy (not ultra wealthy) people don't waste their money on fancy/nice/fast cars.

If you're "ultra wealthy" aka net worth >$30M, then it doesn't matter. But for most "rich ppl" you see in your daily life aka "working professionals" like doctors lawyers enginerds business owners etc. it's financially stupid to buy anything beyond a Camry/Civic/Accord. Yet we all have our vices.

Mine just happens to be high class escorts.

Sorry bumpkin but your shift manager earning 40k a year in your flyover shit hole isn't wealthy

post some of the whores you fucked. do you ever fuck black whores just to save money?

>Laughing My Black Ass Off

My nigga.

>anything beyond a Camry/Civic/Accord

Anything beyond a lightly used base model Camry/Corolla/Civic/Accord to be more specific

You'll usually lose your savings made by downgrading to black whores unless you can get a really good bulk deal on valtrex.

Just got a KIA Optima financing 5 years.. 0% APR.

Enjoy your 3k civic meme (8 K after repairs)

>waste their money on fancy/nice/fast cars.

That's just like...your opinion, man.