I was going to go look at a white Dodge Challenger today, even spoke with dealer, but after sleeping on it, nah, I figure if I can't pay cash for it, or if finance can't pay off in less than 1 year, than I don't need it.
Payments become a heavy burden after about 3 months when the fun of any new car where's off, at least at my age and stage does, getting a newer, what I can 'poor mans sports car' at 23, ye maybe, but at my age and stage, after about 3 months, after nothing would really have changed in life, I already know those payments would get old and tired real quick.
I mean even 200 dollar payments a month still means you're only paying off 2,400 a year, 4,800 in 2 years...that's just not enough, cause even if plopped down half, still looking at 5 years of payment minimum, not worth it. It's actually quicker to just save up cash for a car, people don't see it like that but it really is just quicker to save up cash for a car rather than making payments...then can just walk to dealer and say 'I want that car there' and plop down cash for it and be done.
I just had a weak moment yesterday and is why I was drooling over that Dodge Challenger, which is fine, but should not have called the dealer afterwards and built up their hopes that I would show up today and buy the car, cause when got home, and opened up can of beer, well, you know how that goes, once I had a few beers in me than hell I could of afforded a Porsche and a airplane.
Still thinking about Dodge Challenger, but think mind is made up, and it's 'no'
Bottom line is I don't need it, well there's a lot of things we don't need, but the difference is cost.
I don't need $250.00 payments for the next 3-4 years during these uncertain times, that would just add such a burden to my life, would make me once again a slave to the system.
It's all about timing to, timing and mood, 10 years ago, would of jumped on it, now...not so much, older and wiser and less enthused about a lot of things.
When I had other new car, it was fun at first, maybe for a few months, it was a Kia Soul, but after about 6 months it was just transportation that I had to pay on monthly, I use to hate those payments, they get old really quick.
But here's the thing, I'm realizing if did save up $20-30 gran in cash, probably the last thing I'd want to do is blow it on a car, I'd rather get land or something.
When you get older you start thinking differently, with a car, payments, you're a slave, means you have to work a certain amount of hours no matter what, you're a slave, and as you get older, body gets more tired, the idea of being a labor slave is very unappealing.
I'd have to have 100,000 saved up to justify paying 30 gran for a new car.
Or, or, if have a two income household, then ye, could justify making payments on a new car, but when married, there's really no one to impress with a hot rod, unless wife or spouse happens to be into hot rod cars, but most wives, seems after married for a while, try to make the man feel less cool than he really is, subtle put downs and all.
But ye, no Dodge challenger for me, not this time around, but came close to it...but 'reason' has kicked in.
Changed mind about Challenger, then decided to possible try to get lower priced yellow Camaro, but changed mind about it to, and here's the reasons why
Went from wanting a $23,000 something 2019 Dodge Challenger to possibly wanting a 2015 yellow black striped Camaro for around $12,000, but in the end I've decided against both, and here's why, they way I figure, if can't pay cash for it or them, than don't need right now.
And if did finance would be willing to do $2000 a month for a max of 2 years, but still that's a long time during these volatile times.
The Camaro is almost within range, I mean with 80% down, and trade in, I'd almost be there, but when trading in a used car it's like giving it away for free, the dealer will either jack up the price some how or give you like 500 for a trade in, I mean the vehicle I have now runs just fine.
Now if dealer would take say 7 gran down and 3 for the car, I'd maybe consider financing the rest, but again, when I go to buy a car I don't want to have to go through all of that, I just want to be able to write a check and be done with it, so much less stress involved that way.
There will always be used cars out there, but sometimes we fall in love with a particular model and feel as if we don't buy it, we'll never get the chance to by another like it again...not true.
Here's the thing about trying to save money as a working class stiff type
The more money we working class stiff types save, the more dangerous for us...why?
Cause the more money we have saved, the more likely we are to 'blow it' on some sudden 'whim' to buy or get this...
If a working class stiff type saves up $15,000, and still in prime window of life, are they, we, more likely to invest it in 'futures' (the market place), ect, or one weekend while drunk go buy some motorcycle or used boat or used sports car?...what do you think??
And that's why cash can be scary for a working class stiff type, cause we tend to blow 'cash' on stupid stuff rather than invest it.
And I just got that $1,400.00 stimulis check, not to mention the 2 gran or so should be getting from tax return within weeks...
I'll have some decent money saved, but again, my fear is will I continue to save it, or will I on some drunken or 'mood driven' whim blow it all on some sports care or used Harley Motorcycle or some boat?
Hell, I'd even rather buy some land in the desert, to be honest with you.
Only time will tell, nothing is certain here in the Zone...the Zone is fluid, the Zone is real life...
Also, the more money you save, the more choices you have but also the worse choices you could make.
Say you've saved up $20,000, now what?
l. Continue to save?
2. Buy your dream poor mans sports car in cash?
3. Buy a RV, move into it, and live cheaper each month?
4. Outright buy some land or put large down payment on some land or house? (a slave if can't pay cash for either)
5. Invest in the stock market or Real Estate ect?
6. Go back to some kind of school?, as in A/C school, or Real Estate license school ect?
7. Pay off all past and former debt?
8. Open or create a business?
9. Buy a decent used boat?
10. Take dream vacation?
And I could go on and on.
The thing about saving cash from labor is it's a very slow process, it may take years to save up $20,000 dollars, but that money can be spent in less than 1 hour if not careful.
And $20,000 at say age 25 means a lot different than $20,000 at say age 55.
At age 55 one understands they may not have the health or energy to regenerate that type of savings again, at age 25, one could give a crap, life is short, cheap and 'I'm young', let me go by that Mustang to impress my next day"...says the youngster.
But in reality, if have less than $100,000 saved up, than if living in America, one is basically broke, yes broke.
In reality $20,000 dollars is nothing, chump change, a night out on the town for some.
I'm not really a BMW type unless actually have the wealth to back up the car
I'm just not a BMW type unless actually have the Wealth to back up the car.
When I think of BMW's in like hood areas, I always think of drug dealers, or the working class poor types, or some dude with a gold tooth, driving a used BMW, trying to pretend they're way richer than they are.
I hate that image, the poor man pretending their rich cause they're driving a late model BMW that they bought from Larry's used car lot.
I mean if I ever buy a BMW, I want to know it's cause I can really afford not just the car, but the lifestyle that comes with such a ride, other wise I feel like I'm just a pretender.
1. Sports car accelerates and fly's past me, hear engine burping and all, not soxy
2. Sports car accelerates and fly's past me, as if has no engine at all, very soxy
There's just something about a sports car flying past so fast, yet so quiet, that I find more 'soxy' than say a loud engine hot rod sound, that sounds like needs a new muffler.
I mean I know some guys or drivers think the louder their 'muscle' is or sounds, that it gives the illusion of Horse power, but I disagree, cause to me a car that's loud is like a jogger whom you hear breathing heavy for oxygen.
I like fast, swift and quiet, that's what I find soxy in a car.
The idea of buying a newer cooler car is one thing, but when start navigating through all the adds, seeing the outrageous prices or financing packages, it makes you want to be cheap again.
One add was like 'All credit types approved', and then like $800 down, then $145 a week!
A week, not a month but per week, that's like $600.00 a month payments, not counting insurance, for a used vehicle?, are you kidding me?
And many can barely pay rent now?
Most would have to 'pool' their money to afford those prices.
No wonder so many used Challengers and other 'fun cars' on the market, cause people get into these deals, drive car for a few months, maybe a year, and then get sick as hell of the high payments, which must prove to be a constant strain.
at least I own my vehicle out right, but seems tranny me be getting lose.
Greed really sucks.
Greed just makes the price of everything, even used cars, go way up.
I remember way long time ago when in high school, and would walk past used car lots, and dm, half the cars on the lot were 2 gran or less (at least the lot I walked by)
Last Edit: Jul 4, 2021 17:09:28 GMT -5 by X factor