What kind of car does someone making 80K/year drives ?

3k civic

Financial illiterate or 'new money': muhh S class or porsche

Person who wants to have some luxury but nothing outrageous: 5 series and the like

Person who wants to spend as little money as possible to retire early: anything from a 107 to golf

I live in soviet europe though, in my country only doctors and other highly educated people have a chance at 80k/yr or higher. 52% income tax yay!

>>16891865
>Financial illiterate or 'new money': muhh S class or porsche
this

I work around a lot of new money, all they drive is new Benz, Range Rover, and cheaper Porsches.

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>>16891865
>107
I'd rather retire later than drive that cuck-mobile

>new money
what is this?

I make 86k € / year and drive an old Skoda Octavia. saving up for an FD in good condition (~25k) though.

>>16891875
>>new money
children of parents who started off lower class but made some money by the time the children were old enough to drive to be driving new luxury cars

new money is mostly young people with rich parents who buy their kids expensive toys they could not afford themselves growing up

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Can you afford a Cayman if you're making $70K a year?
I'm quite illiterate about money sorry

>>16891865
So the best car I can buy without looking like a tool is the BMW 5 series. If I go above that I'm new money and if I go under I'm cheap bastard.

At what point is it OK to buy s class, panacea and Cayenne?

Probably a shit box because they're trying to invest it

What car would be nice if I make +180K/y? I currently drive a newer Civic but I want to have something nicer

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>>16891948
>180K/y
What kind of job is that?

>>16891928
I'm the 2nd poster. I study medicine and drive a twingo 133 RS, yurop A segment. I have relatives in SoCal, they're both physicians. He drives a 535i, she drives a range rover sport.

Think about it. 600k+ per year, and still do not drive super expensive stuff. They're 55 and 58 y/o, and could have retired when they were 45. He (uncle) said he'd get a 911 or something fancy fir his 60th birthday. They have a combined net worth of 12 million, so obviously they live very frugal, as in, luxuries.

Tl;dr if you want to become so rich you can wipe your ass with 20 bucks bank notes, save up plenty, invest, get some real estate going, and after all that buy what you want in cash.

Or just be a debt slave, whatever

>>16891882
I also meant, mostly blacks, who notice they finally get some equity going, and think "WE BOOGADDI NOW".

>>16891865
>52%

why even live

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My dad makes 110k/year.

He drives a 2003 Ford Falcon.

Lots of variables. Location being 1 huge one among other "expenses". Also, example, how some of that money comes in. I made 70k last year but 16-17 of it was bonuses so I barely saw 8-9 of it. Also how much you contribute to 401k etc etc.
if I lived in Arizona or some flyover state and did minimal contributions to my 401k (currently 11% of my check) I would be considered well off and would afford a much nicer car. But instead I live in ca so I pay out the ass for everything.

>>16891859

Depends on the profession.

A friend of mine makes 120k a year as a welding inspector at a power plant and drives a 2017 dodge ram 2500.

>>16891982
I make 140k/yr US and drive a 2000 Buick LeSabre. Me and your dad are sensible bros.

>>16891859
BMW 6 Series.

honda cb1100 EX

>>16892000
114k on this year's 1040. Drive 20 year old Saab. Have 2 mortgages, kid in private school and wife is a stay at home mom. Will buy a used SUV next year, used boxster 2 years after that.

>>16891973
To escape soviet Netherlands and migrate to the US with my MD+PhD obviously

>>16891982
>tfw your parents have millions but refuse to treat themselves or retire
My dad drove a second hand 2000 Commodore until 2013. That being said he abuses the shit out of his cars and never cleans them.

>>16891952
Not a job, but I have my own company. That's what I have at the end of the year after taxes

>>16892034
Would you go on superfluous spending sprees in your business? Why would you do the same in your life? Stick with the Civic.

>>16891982
>>16892000
>>16892024
Why people even bother making good money if they're not gonna spend it on nice things ?

>>16892016
Stay out.

>>16892048
I think its genetic, I'm starting to make really good money and I never treat myself to anything.

I don't get why supposedly wealthy people itt are so proud of driving such shit wreck heaps. It's not like you have to go from landfill Fords to brand new S class, you can easily get a very nice used Lexus LS for under 20k and I'm sure there's other frugal models too.

There's responsible financial management and then there's proudly ignorant miserly penny pinching foolishness. You only get one life, don't spend it in a shit box.

>>16892059
Life is meant to be lived, not to accumulate endless amounts of currency. Enjoy while you're still here...

>>16892048
Because some of us have foresight beyond next week and don't give a shit about appearances.

>>16892048
The BA is a nice thing.

>>16891859
I make 120k/yr as a carpenter and welder.

I drive two cars one is a basic work truck and a shitty compact crossover. it's pretty ass.

>>16892062
>Lexus LS for under 20k and I'm sure there's other frugal models too.
Why spend 20k when a 5k or 10k car will do the same thing?
Frugal people get joy in spending money wisely. Money you don't spend is money that is making money.

Also keep in mind that the people that talk about their inexpensive daily driver generally have a weekend car, or two, and probably a boat, or two.

>>16891899
Rob Ferretti essentially implied if you want a car that costs $x you should be making bare minimum $x a year.

>>16892048
My dad has always put me and my sister's wants before his, and ever since I moved out he's been paying for pretty much everything she wants (not like she can pay for it, she's only 13).

But yeah, I keep telling him to treat himself with something nice but he always insists on spending the money on his children instead of himself. Same with my mother before she retired.

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>>16892075
What if you die tomorrow? Don't you wish you had experienced life? Drove cars that are fun to drive?

I don't understand what's so fun about saving up money if you're not gonna use it

>>16892101
This is how poorfags stay poor.

>>16892095
>if you want a car that costs $x you should be making bare minimum $x a year.

x is your variable ? So someone making $50,000 a year should consider a car that is no more than 50 000 right ?

>>16892088

I've driven a 3k car. Anyone who says a 20k car does the same thing is a bus rider.

It's like saying an ear specialist and brain surgeon just both doctors...

>>16892109
There should be a balance in everything. Extreme frugality is no better than mindless spending.

I'm around that salary. I own a MazdaSpeed3 and a Fiat 500 Abarth (flipping that car soon). After this I'll probably get a used Lexus LS460 for comfort while keeping my Mazda for fun.

>>16892115
>having a lot of money is better than having no money

>>16892111
Yes.

>>16892112
I drive a 3k shitbox. Does what I need it to. What does a 20k shitbox do for me that my 3k doesn't?

I make around 100k a year and drive a 2002 Mercedes C-Class. Bought it in '08 for around EUR13k. I wonder what the newer models are like though.

>>16892122
>living like a bum is better than enjoying yourself
See - I can straw man too?

>>16892129
Why are you even on /o/?

>goes to /ck/
>why cook if I can heat up ramen noodles for every meal?
>goes to /v/
>why game when I can play mancala all day?
>goes to /g/
>why buy a PC when I have a calculator?

>>16891956
mate i'm literally autistic. I'll be lucky to get a job, let alone get one that pays enough that I can invest in real estate. How the fuck am I supposed to do that?

>>16892145
Might as well just kill yourself now.

>>16891859
Wtf car is in the pic? See a gt R. Nit much if a ricer but it kinda looks slick. Like a modern muscle car

>>16891859
Anything that doesnt cost more than 60% of your pay check.

You can have 3 cars that all add up to 44k or you can have 1 car that does the same. 80k you are just middle class.

>>16892158
Why? Nowadays even if you're a worthless neet you can enjoy life to a certain extent.

>>16892143
I don't need to have ownership over something to admire it. Some people admire aircrafts but will never own a jet. People admire nature and hiking mountains but few will ever own their own section of it

>>16892169

>I'm ignorant and I'm proud!

Thanks for proving a point.

Mountain ownership, lmao...

>>16892112
That is a idiotic comparison and it sounds like you suck at buying cars.

True if you don't know anything about buying cars your 3k car is likely to be much worse than a 20k car... In the save way a Harvard trained MD is going to much better than a MD from the Jamaican school of medicine, but there are diamonds in the rough out there.

The only thing missing from my 2.2k vs a 20k car is Bluetooth connectivity for the radio.

>>16892158
Reeee

But for real how do I go from being a high school graduate to sorta rolling in it?

At least the fact that personality wise I'm absolutely repulsive means I'll never waste money on a grill or some fucking cunt kids

>>16891865
Shit anon. I feel your pain but yall on the other side of the pond have it about dead even as bad as the us here.

>muh freedoms...

Property tax, sales tax, income tax, social secuity tax, medicare tax, death tax, vehicle registration tax, obamacare tax etc...

There is even one where we pay 7.5% for lazy faggot shitlords that dont wanna work and our employers have to match it. So almost all of us make 7.5% less than we could be or we have fewer jobs.

Nobody even gets it.

We are roughly 50-60% taxed depending on income and these clueless cucks spend their life "investing" in the stock market while simultaneously paying into a 401k retirement plan wich is also just more stocks. AND THEN the sruoid mutherfuckers will go into debt to buy a house and cars they cant afford with high af interest that can be lawsuit stilen at any second and wonder why the fuck they are always broke and poor.

Sometimes i fear i actually luve in the land of the cucked. And not the land of the free.

* apathetically waves american flag that so many friends and family have died for...

>>16891859
$80k a year isn't even that much

>>16892180
Hey don't ask me, I'm a friendless worthless NEET sperg myself.

>>16892064
Money is security.

There is no such thing as true job security and if you find yourself injured and unable to work or laid off due to company setbacks.

That and some people just don't give a shit about cars. They don't drive a lot and they're not interested in the vapidity of driving the latest and greatest depreciating asset.

>>16892182
>angry libertardian teenager: the post
>>>/pol/

>>16892179

>True, your argument is vastly confirmed by the aggregate of possible outcomes

>But there are some few exceptions!

Lol, another logical genius of the first order. I bet that's the same rationale you use to scratch lottery tickets every week.

>>16892139
>Challenging the most ancient unspoken /o/ meme.

Look man if you don't make at least 7 figures you have to drive an early 90s civic or you're an irresponsible poorfag and everyone knows it.

>>16891899
The rule of thumb when buying a care is this:

20% down/10% of your monthly income/4 year loan/ 1/3 your annual budget total price of the car.

You don't have to follow that rule if you hate money and your financial future. I've learned that people don't like being told they're poor and can't afford that $30k car they're lusting after.

>>16892179

Also Bluetooth sucks for music, you can literally buy a $5 FM transmitter and do better.

I'm sure a $5 part is the only thing keeping your garage queen from the heights of motoring excellence...

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the plebian choice would be

>>16892177
k, enjoy your debt

>>16892217
Since I failed to elaborate:

20% of the car's value should be put down, to keep your payments as low as possible. You can do more, but you shouldn't be clearing out the bank to pay for a car. I've also learned that it's wise to put the down payment onto a credit card (and then immediately going to the bank and paying it off), that way the dealer can't fuck you over. A big dealer may not do this, but if you're shopping at a janky place, you should definitely do this.

10% of your monthly income MAX. I'm not sure if this is supposed to include insurance for the car, but I believe it only applies to the loan. Remember, the more expensive the car, the more expensive the insurance.

4 year loan. Pretty self explanatory. You don't want to be stuck with the car for longer than four years. Granted, if you want to own the car for the rest of your life, do what you will, but if you buy a car and then two years later realize you hate it, you don't want to be stuck with it for another five years (or be forced to roll that equity into another car because you're really fucking stupid and impatient). Seriously though, 7 and 8 year long loans are a thing now and should be AVOIDED LIKE THE PLAGUE.

1/3 your annual budget. This is the most important rule. You don't want a years worth of your money rolling around where some soccer mom can run into it and make half of it go *poof* when she runs a red light and your insurance decides that they don't like it as much as you do. If you want a nicer car, go out and get a better job.

>>16892244
>I'm a poorfag that can't afford $20k car without going in debt
>that means so is everyone else
really activates your almonds

>>16892109
This. There are "fun cars to drive" that don't cost six figures. Not to mention the depreciation of cars in general.

>>16892217
>10% monthly income
>1/3 annual budget on total

Even with adding costs of insurance, fuel, and basic maintenance to a 10% monthly income payment, you shouldnt be spending a 1/3 of your annual budget on a car.

>>16892245
Oh you mean the total purchase price of the car. I got it.

>>16892238
What's the non-plebian one?

>>16892245
cont.

So say for example, you're making 70k a year. 70,000 / 3 = 23,333k You can round up if you're feeling foolish. This is the max you are recommended to spend on a car. You might get a nice pre-owned GTI or something else that's already suffered from depreciation but still has years of life on it.

A Cayman optioned with some of the more common/popular options and built like the one in the picture >>16891899 costs about $66,470 before tax and interest.

Excluding tax because I don't know where you live, and pretending for a moment that you have good (but not great credit (since you're here on /o/ asking stupid financial questions), we'll assume you get a nice 5% APR.

66,470 x .05 = $3323.5 = $69,793.5 after interest but before taxes.

This puts the price of the car at 100% your annual budget. To give you an extreme visual: No eating, no electricity, no paid rent, no gifts for someone else, no NOTHING for a year, to pay for this car.

Assuming you put the 20% down, since you're obviously going to finance it to break it up over time, you'd have to put $13,294 down. You could use this money on an appreciating asset like a house, for example, but we want that Cayman.

So in reality, you're actually financing about $53,176 of the car, because you paid for all of your options in cash. This puts your actual interest at about $2,658.8.

tbc...

>>16891956
Screenshoted. I swear to fuck 4 days on /o has more solid financial advice than /biz etherium pump and dump shitlords.

I would add tho that owning shit is a liability but those people should understand that already.

>muh paid for mansion and supercars.

Faggot door to door avon salesfag breaks thier foot tripping over your lawn ornament. Sues. Wins. Now owns

>muh paid off mansion and supercars.

However, if you borrow against it annually or more then people just win your debt. Bonus points for faggots that cant manage money losing it to the banks anyway.

Plus u have millions in loans for more investments that is tax free. Figure 10% interest max. Essentially you can figure u borrow till u die and never pay full tax on it.

God i cant wait to be rich...

>>16891973
Sad news bro. If u in america u pay the same in hidden tax and wagebux

>>16892034
The fuck company anon. Explain your shit. Id give anything for freedom

>>16892062
Meh. Even with 100mill i would drive shitboxes.

My dads a mechanic with a shop tho. So when u difure any car u drive cost parts price at cost or less to repair you can drive 45 year old shit daily cheaper than mest descent cars. Or about the same if u consider fuel. But my commute is short and my antique hotrods get more looks than any nice car i have been in.

>>16892296
Oh wow thanks for the elaborate answer, I understand and my dreams of owning a cayman are kinda destroyed haha
Guess an engineer's salary is not enough for it

>>16892064
That's like
>i'm here to eork not to make friends.
>i'd rather be happy than rich.

Is it greedy to just want both?

>>16892332
Yes, you can only either drive a Civic for 3k or a Rolls Royce. No in between.

>>16891859
I am way over 80k a year, but I drive f150.

>>16892331
You could go for a 987, those can routinely be found around 20-25k.

>>16892269
Yeah I'm doing a lousy job explaining this, but I'm going to keep trying anyways.

>>16891899
>>16892296
$53,176 + $2658 = $55,834.8 in financed dollars. Doing the recommended four year loan, that roughly (depending on how your loan calculates interest), breaks down into payments of $1,163.25

($55,834.8 / 48 = $1,163.25)

Now you're making $70k a year. So let's calculate that 10% of your monthly income shall we?

($70,000 / 12 = $5,833.33 x .10 = $583.33)

That puts the Cayman at around >20% of your monthly income for payments. You'd better be living in a studio apartment.

Bottom line: If you want a Cayman at $70k a year annual budget, go find a very nice used one.

https://www.cars.com/vehicledetail/detail/692874797/overview/

>>16892100
Sad. My folks are pretty much the same. I lnew from a houng age growing up ina trailer park that we were not well off. Never went without. But used hand me down shit was the norm. Broke my fucking heart when oil went up. Dad bought a new king ranch and mustang gt and shop and rebuilt his shitty house new. Bought some land and after like 50 years in the oil field had 2 shitty oil wells to speculate on that werent working.

Then the bottom dropped out as we all knew it would. Now he makes less than i do.

Hell, he put a bored out bigblock in a chevy truck and just gave it to me.

Not much into computers and he likes harbor frieght. They wuit putting a phone number on the magazine a few months and he called me over to drink beer and circle shit. Had me order like $1,000 worth of shit i dont even need.

I just moms pretty much the same way but her and my stepdad make less.

Just hope i get rich so I can take care of them all. Poor father in law isnt doing so good. And my other pretty much father in law is about to die broke saying he worked his entire life for nothing.

Fuck... and now we at risk this very second for fire burninging everyones shit. Cattle and oil are the only 2 incomes around here and both got fucked this year...

Plase halp

>>16892331
Your dream shouldn't be dead at all! As I posted here >>16892342
and anon mentioned >>16892341 here, you can still get into one.

But note that a ten year old Porsche Cayman S is worth $23,000... and that's assuming it wasn't driven on a daily basis. (Average mileage for a car is about 10k a year).

If you buy a $70k Cayman and drive it every day, you're going to be in for a shock when you go to sell it... that is if you do! If you wanna keep it for the rest of your life you can and depreciation doesn't matter at that point. But is a Porsche Cayman really worth keeping that long? And if it gets in a wreck you'll be in trouble.

An older, well taken care of Cayman is in your budget, will provide all of the same thrills you'll find in a newer one, and you won't feel the stress of having to pay bills when you get done driving it.

>>16892365
You'll also be able to afford to fix it when something breaks.

Not if.

>>16892145
Never give up. Dont hope for or depend on luck. Work your ass off physically and mentally and u will be fine.

Real estate may bot be your answer. Its shilled because the government rewards you for it and banks love loaning against it. Plus supply and demand and the fact that most of us dont live in mud huts.

Just all araound less risk higher reward and easier.

But you could work harder trading pokemon cards and do the same thing bro.

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>>16892162
TOPKEK. acceptable for me to buy $30,000 car. Desperatly trying ro wina shitbox that costs 1/10th of that.

Am i doing it right?

I make about 110k a year in NC. Drive a 2016 Mazda 6 MT. Most people in analytics steer away from flashy.

>75-80k a year
>2015 mustang gt premium
> after dealing and trade 23k note with a 300 a month payment and 0 interest.

>>16892177
>muh property tax.

Owning any land at all... ever...

>>16892179
$20 dual brand shotty walmart radio. Some of them dont even play cds anymore but they all have usb, aux, and bluetooth.

Getting very close to buying a few

>>16892185
Laid up for a year. Crippling medical debt.

Yup. 2nd this

>>16891859
Used Lexus is the best choice.

>>16892209
I'm 31 years old and not a libertarian you stupid whiny ass little kid. Go fuck your cat...

Fucking hell i hope you are an illegal mexican. We are gonna make america great again u fucking faggot.

80k? I think i had a new nissan altima when i made that. It isn't much in so-cal.

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>>16892260

>>16892262
Yup. My junkyard pull 43 year old limo is just as fun as a new car most times.

$1,200...

>>16892101
The problem is that most people associate new cars as being worth exponentially more than a used car.

This leads to Anon buying a $70k Porsche Cayman he can't afford when he could've gotten a $23k Porsche Cayman and been comfortably secure in his financial situation. They're literally both the same car. But autists say "Well dah new one has a butter engun".

When I went to buy my car, I followed my financial advice I laid out here>>16892217
>>16892245
>>16892296
>>16892342
Looked for a vehicle that fit my criteria, and ended up in something that was still pretty nice.

If you have a dream car and you save up and buy it outright, good for you. But if you're financing something to get it, or you're constantly out getting the latest and greatest thing, you're a financial idiot and deserve what's going to happen to you later in life.

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>>16892337
Mfw flip flop.
>buys 60s shitted out ratrod rolls royce eith a big block and half the glass bisted out.
>buy $500 civic and dumps 100k in it for fast and furious fun.

>mfw i realise i really am autistic...

>>16892064
You can live and enjoy life while accumulating currency.

If you justify your wreckless spending habits "because you could be dead tomorrow", then you're deserve your inevitable suicide when you realize you don't have any money to pay your bills tomorrow and realize that your whole justification when you were younger was so backwards it's time to follow through with it.

Lets just hope you have enough money to afford a bus ticket to the nearest bridge.

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>>16892286

>>16892357
dont worry, trumps gonna help you out right???????/

>>16891859
depends if you're interested in cars then get an old car and slowly restore and keep a 3k civic on the side

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>>16892401
>being this mentally challenged

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>>16892424
So according to your financial method, how much would someone have to make a year to be able to afford a 70k cayman ?

>>16892401
I hope this is ironic shitposting

>>16892220
It's not 2011 and cheap shit will sound like cheap shit regardless of the technology it is using .

Less than 1% will not hear the difference with a good system and device. Having raced cars when I was younger I certainly will not.

>>16892511
Very little if they have millions in liquid assets.

A honest good rule of thumb is that if you don't have the cash to buy it outright you can't afford it. That doesn't mean you should pay cash outright, just means that it isn't safely within your means.. unless you are a woman. They don't know shit about cars so should just let a dealership fuck them for the security of a warranty.

>>16892143
Nobody on /v/ plays video games though.

>>16892342
I follow you, I just would have said annual salary and not annual budget at first, it's all good.

>>16892161
Not sure if drunk or stupid...

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I make 87K/year and this is my car

I would like to retire at 50 so I gotta save money

>>16893098

Lol you guys are ridiculous. I make a decent paycheck as well and got a new car(wont name car, buts its fairly expensive).

With the proper money management, negotiations with dealer to get good deal. You can still have plenty of money left over for savings, bills and random fun spending. Guess thats a little to complicated for some of you.......

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>>16892182
That sounds heavy, yes. Sorry for the late reply, I was following a lecture. But you have to realize, soviet EU has pretty much subsidized healthcare through income tax, and universal retirement funds.

In toothpasteland, the tax burden of a single person is 82% on average, because of property taxes and the like. We have around 75 types of different taxes. I have a list of it on my pc at home. For example, we pay over 6 euros per gallon of shit-tier fuel. Premium is close to 8 per gallon. We also hve road taxes based on weight. A diesel golf costs 200 per month just to own it. We also have a lovely tax on car purchases. It increases drastically with increase of co2 emissions. See pic related. This makes a mustang gt cost a healthy 120k.

The tax burden on couples is even worse. The 2nd person, let's say the woman (RRREEEEEEE) wil have a tax burden of 92% and up. Basically, 100% of the least earning of the couple's income is spent on daycare.

Not trying to offend you or anyone else, but I think it's funny how Americans think they pay alot in taxes. Sure you guys do ofcourse, but relative to the soviet EU it's basically a third of our tax burden. Some economic guy was recently on a talk show here and calculated that, should we have the US tax system, our gubment would only be able to levy a third of the amount of taxes they currently levy. It is actually a thing here that when Ameribros get angry because of rising fuel prices, we point and laugh because we think it's just silly because your prices are already relatively low

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>>16893206
This bullshit also means pic related sold like hotcakes (eleven fucking thousand in its first month) because it was by far the biggest car that fell in one of the lowest tax brackets. Everyone loves SUVs and tax breaks, after all.

>>16893232
Ah yes! The cancerous phev outlander. Because the """"""""""""emissions test""""""""""" said it used only 1.8L/100km, it was extremely cheap because as we all know, fuel eco and co2 emissions are linked.

Anyhow, here in toothpasteland you CAN get a company car. The gubment sees it as a form of salary, and taxes you a percentage of the car's value. For let's say a ford transit this is 25%. So one would have to pay around 6k in taxes because of the benefits of the company car. This is only if the company car is also used for leisure time.

The gubment thought they could encourage hybrid crap by reducing the percentage of taxes if the car had low co2. This made the price low, to encourage the employer, and the tax percentage low to encourage the employee. Basically anything under 50 grams of co2 per km was taxed 7% of the value last year. The phev outlander is 42k, which makes the tax pretty cheap. In reality that think uses over 10L/100km and the electric range is less than 30km. I know someone who privately bought one because he genuinly thought that thing could get 1.8L/100km. That's even less than a moped consumes for fuck's sake.

Mustang gt

>>16893271
They're fucking everywhere, too, and all in that "I'm cleaner than you" metallic sky blue color.
Definitely the one vehicle that pisses me off most.

>>16893168
>expecting rationality from a person who wants to retire at 50

>>16891948
Nice. I am in a similar boat (also business owner making about double that) and I just spent $4k for a Miata. Otherwise, I daily a cargo van I bought through the company if the weather is too shitty.

>>16893343
So you're saying you, not your business make almost 350k a year, and you drive a shitbox miata? I understand not blowing it on a Porsche but how can you not get at least some sort of entry level luxury.

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Solution: lower taxes and lower spending on stupid shit like:

1. Military (military is important, but the amount US spends on military is ludicrous thanks to corrupt backdoor contracts and muh military industrial complex). Wonder why an M1 Abrams, which cost about $2.5 million to actually make are charged $8 million to US taxpayers? Because nobody cares and they can get away with it.

2.Homeless/NEET lifeline bennies (temporary unemployment support is OK)

3. "Free college." America doesn't have "free" college yet, but in Europe people are getting taxed up their ass to support millions of useless arts degrees which has no financial returns and only lower a nation's value of degrees as a whole.

4. "Free" healthcare. Countries with "free" healthcare encourage people that don't really need to go to the hospital ("casual visitors") to go and clog up the system, increasing lines, strain on the nation's doctors, medicine supply and hospitals. There is a reason why big Pharma lobbies for universal healthcare (force EVERYONE to buy healthcare).

5. Other useless shit

Meanwhile fund infrastructure, national parks, and other useful things.

>>16893371

The main reason is because I live in New England. The value proposition is just not there. What am I going to do, spend 1/3rd of my income on a new GT-R and then get raped by depreciation, road salt, commuter miles, insurance, pot holes, traffic, etc...

I've thought about it many times and there is just no point in owning a vehicle like that here. Besides, I like my Miata

Even at 6 to 8 million an m1 tank seems like a pretty good deal.

>>16893376
>free education
M8, soviet EU countries are stopping with this meme. Toothpasteland stopped with it 2 years ago. More and more countries are switching over to loans

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>>16892048

They probably do spend, but not on cars. I know some very wealthy men that aren't into cars but loves guns, so they waste money on buying dozens of automatic firearms (cost ~$50K each).

One drives a shitbox but own three private helicopters. Et cetera.

>>16891859
Depends on local taxation.
A person making 80K in Southern Cali or NYC is going to be driving a shitbox or a newer shitbox/crossover/suv.

My brother makes 80k in NYC, might as well be a meaningless figure considering he pays 2 grand in parking alone, probably 1k a year on easy pass tolls, gas, and serious state income tax. He drives a 2 year old ford escape.

>>16893407
Good, at least some people are finally coming to their senses.

Baby steps, but progress is progress.

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>>16893407

That's good news. College should be for those that really wants to go and learn. Countries with genuine "free" education have people going to college only because "others are going too."

That strains the professors and universities' resources.

In America, as state/federal financial aid grows, the college tuitions are rising too because the colleges know that the government will pay for it.

And then Liberals that vote for "free" college/more financial aid wonder why the tuition is going up.

>>16893414

>easy pass

It's called EZpass you faggot

>>16893436
To be fair, it isn't entirely their fault. From the minute a person is born in the United States, they are hammered with this whole narrative of going to school, getting a degree, finding a nice company to work for with nice benefits, and so on. The guidance counselors in high schools collude with the colleges and the system in general to more or less bully students into obtaining their loans (or cash from parents) and picking a college. This is usually without any regard for what kind of career the student even intends on following (I am a firm believer that no one at 18 years old knows what the fuck they want to do).

The problem is that the parents are often times just as retarded as the kids so they don't know enough to put a stop to it or talk them out of it. Of course the whole peer pressure aspect too.

I guess it just boils down to taking advantage of stupid people which is what our wonderful country was built on. I'd like for it to stay like this to be honest. I am only concerned because now the upset liberals are trying to overthrow our government because they were stupid and got scammed. They need to just shut up and take it on the chin. Lesson learned. The college system will get its comeuppance through the free market eventually.

>>16891859
I make more than that and drive a Corolla

>>16893286
I know mate. What I dislike is the high pitched humming sound when the electric motor is used. Mitsu says it's for muhh safety. It can't even use the motor above 100kph, so it has shit-tier overtaking capability

>>16893453

Yeah in high school I was taught by my guidance counselor to understand that you will live in the streets and your parents will disown you (exaggeration alert) if you don't have a degree.

>>16891859
I made $120k last year. I drive a 2000 ford focus coming up on 200,000 miles. Cars are for poor people. Money makes more money.

>>16891861
>tfw i make ~65k/yr and drive a $2800 94 civic

its true nigga. assembly workers making $12/hr drive nicer, more expensive cars than me.

>>16892064
I know what you mean. Throughout my RuneScape career all I did was hoard gold and used shit tier gear. I now have 4b and maxed so i have nothing to do with it and the game is boring to me now.

If I make $30k/year and trade in my paid off 2012 Accord ($7k KBB value) can I afford a New V8 Mustang with an out the door price of $26k?

If it's a white middle aged woman; an SUV

>People with money lease cars with 0% interest rates.

>Only plebs buy cars.

I write back almost 60% of my lease. So the car costs less per year than the amount of gas it requires.

Depends on their taste

My boss makes over 100k a year and he dailies a 90's base model Civic with stickers, aftermarket wheels, fake hood pins, and a fake gas cap on the trunk to look like it was relocated.

>>16891859
They'd probably finance a specced Accord

When you faggots say you making _X_ dollars per year, is that before or after taxes?

After you have a certain amount of money, any more doesn't make you happy. They did a study.

>>16893403
>>16893403
No, I understand the whole not blowing all that cash on a brand new sports vehicle but be realistic. Any 2nd hand used sports/luxury would fall way under what's recommended to spend on a car. And you mention traffic and pot holes. All I'm saying if I was making 350k a year I would sure as fuck by some sort of comfy cruiser. You're daily somewhat represents the business so nothing to flashy or expensive, just easy and conformtable. 2nd hand something that rides like a cloud.

>>16893756

"Afford" is a funny term.

How the hell are you getting a new V8 Mustang with a 26k OTD? That's like $8000 below MSRP or some shit.

>>16893756
19k loan for 5 years 0 apr ends up at $316 a month. If you can afford that then sure. But if you can then you most likely live at home and don't pay medical/401k so if those bases are covered and you got insurance then sure.

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>>16894013
No one uses a number post-tax, ever.

e92 m3

t. I make 80k/yr and drive an e92 m3

200k+ here.

I drive a 2017 toyota rav4.

No fucks given.

The car is just a point A to B for me.

I instead use my money to travel the world. Buying a 80k+ car is pointless. Only people with nothing outside of vanity cares about overpriced toys.

Same especially said to the "raised truck" owners. Nothing screams insecure, tiny dicks than those people.

Smart people don't waste cash on shit. Pretty straight forward.

But. Hey, if you love cars that much and can afford to buy something you can actually afford and enjoy it without eating noodles 24/7. You are a ok.

>>16891859
I make 100k€ a year and I still drive my 1996 Corolla XLi

I am thinking about buying a BRZ or a 370z though. Honestly this year I'll probably make a stable 120k but I could never bring myself to pay for a GTR or even a Cayman. I don't understand how people who make less money than me are all driving BMWs, Porsches and all that without going bankrupt

>>16894249
all that money you're saving will come in handy when you get old and die.

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Can I afford a 2008-2011 Bentley Continental if I make 125k a year

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>>16894193

>>16894268
>the only thing one can spend money on is cars

>>16892217
This is pretty good rule to follow. I spend about 10-15 percent of my income (self employed so it veries) on my 2 vehicles plus insurance it's about 20 and I'm very comfortable with those numbers.

>>16894272
Yes. Is it financially responsible? No.

All these financial experts itt

"Huur if you can't buy it outright you can't afford it"
If this retarded redneck logic was applied by people with half a brain then society as it is today wouldn't exist
Everyone would live in decrepit wooden shacks from a century ago, there would be no infrastructure, none of your essential luxuries such as media and Internet...

There's a difference between living outside your means and using finance as advantageous tool

Anyone dealing in absolutes such as "finance is always bad, if you can't pay outright you shouldn't be buying it" is a clueless idiot that should just keep their mouth shut. Because the most idiotic thing you could ever possibly do with your money is blow it all in one go instead of financing and having fucking capital that can be put to work to outweigh the insignificant amount of interest at a rate of 10 times if you aren't brain dead

Literally lmao"ing

I make ¥2.8 million annually and drive an A32 Maxima.

>>16894249
>views cars as an appliance sole for getting from point a to b
>comes to /o/

why? are the shitposts that good or something? what do you possibly gain from coming to this board if you admittedly don't care about cars?

>>16892488
>art of the deal with it fag

>>16894294
Any cons to a 144 month finance?

>>16892498
>being this much of a shitposting edglord. I see summer is here.
...cuck

>>16894308
>TWELVE
>FUCKING
>YEARS
Jesus, dude. Just don't.

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>>16892519
Not 1 fucking bit

>>16893066
Not sure if fagcuck or cuckfag. Fuckoff i droped my phone and fumbled the send button fag

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I make $105k and drive a Mazda RX8 for fun and a Ford Escape for light off roading.

>>16894304
>why come to the museum if you can't buy any of the pictures?
also
>/o/ is for people who love cars and not broke benchracing teenagers

>>16893206
Holy fuck that sucks.

Well, i for one think neather of us should pay anything other than sales tax. They fuckoff entirely too much of out taxes. State jobs that dont rewuire school should be minimum fucking wage or even less with their good benefits. Im sivk of watching fake disabled fucks stand in line to buy steaks at the begining of the months when im crippled and can hardly walk working 50 hours a week

>>16894342
Why do you feel the need to lie on the internet?

>>16894249
>he doesnt pack the extended cab full of bros and beer and go mudding.

Kys

>>16894352

Not even sure what the lie is supposed to be. The Escape isn't that bad for off roading, and it was pretty cheapo for a couple year old awd vehicle that I can scrape up.

>>16894373
>covering yourself with mud while wasting gas
Ah, the sophisticated redneck pastimes.

My father made $75k last year.
He drives a 2005 Camry with 320,000 miles on it.

But he also got stuck with a shitton of credit card debt from his second wife so he doesn't have that much of a disposable income.

>>16891956
What's the fucking point of having money if you don't use it?

>>16894249
someone got cut off by a lifted truck today

>>16894249
If traveling is your hobby, good for you. But don't pretend that posting pics on instagram of your obnoxious tourist self getting drunk in some far flung shithole and thinking you're all cultured and worldly because of it is any less vain than caring about overpriced toys.

>>16891859
140k/year and my car cost me 6k.

>>16891899
My rule is no more than half your income.

i make $22K/year after taxes.

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>>16892357
>>16892488

>>16892511

Find what the real worth of the options are. Are you just paying for the badge? You could save some money and hire out a good mechanic to build you a car with character.

>>16894294

If you don't have the money to buy it outright you shouldn't be buying it. Doesn't mean you shouldn't finance, financing allows you to keep your money productive.

But your budget should never be stretched to own anything. Something bad could happen to it and boom you are in the poor house

>>16894518

eww that's gay

>>16892109
Trueee fuck being poor man

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>>16892145
>>16892371
We have this thread on /biz/ daily.

Housing is 110% cost based on location, ie how big your city is. Smallest 2 bed 1 bath house in san francisco is quite literally $1M. That one house versus any in cities with less than 100K pop could get you, quite literally, 20 houses, and the property tax is going to be 1/4th. You then rent them out and can retire.

>>16894518
>socialist industrial union
>industrial union
>industrial
kek

>>16894274
Seems like a scam to get someone in the door and when you ask about the $26K 2017 Mustang 5.0, they will tell you they sold it.

Either that, or I just missed somewhere that the Mustang GT was selling so shitty, which I am inclined to doubt.

i got a new job making $62k. i really want to get a toyobaru, but am nervous about the used market on these cars. so many look very poorly modified, and you know most of the kids buying these are hammering on them. what can i do avoid buying new? new is around $26k, certified preowned 1 yr old is ~22k in so-cal.

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>>16891859
I have no idea what type of car poor people drive.

the bus?

Fuckin 80k poorfags kys

>>16893477
They told me this when i was learning a trade. I told them to fuck off. Now i make more than my mom and and she has a fucking masters

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I make north of 100k per year and I still drive pic related

>>16892115
there is one way:
1 - you have to have the money for the car you want, saved or due to a loan, in your bank account
2 - withdraw all that money and take it home, ideally in a mix of bills (not only 100s)
3 - count it and put it all together in desk or dinning table and look it
4 - now, imagine it's gone: are you feeling anxiety? If not, buy the car

captcha: select all images with cars. there was a hhr and counted as "car".

>>16892016
lmao good luck landing a residency

>>16892470
now this is what i call shit taste

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>>16891859
Probably a shitbox like pic related, 80k isn't that much

>>16894871
>>16894274
You can get the non-premium for that price, but it's trash.

GT premium or bust faggot

>>16894631
Sell the car, you have large cash stack to survive and to keep up with payments until back on your feet


Stop with the bullshit rhetoric
Are you going to fork out 250k to 2 million for a fucking house? And if you can't afford it outright will you rent for the rest of your life literally burning money?

Seriously you are clueless and stuck in the mindset of a poorfag redneck baby boomer

>>16895542
>E60 M5
>shitbox

Faggot detected. Neck yourself frosty

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>>16895684
It is, thats why I just sold mine.

The engine is cool but its way more of a pig than people let on.

>>16895713
do you have to wear diapers now from the gaping you got in prison?

>>16895722
>gaping
I was in max my whole stay. Impossible to be raped there, supervision and isolation 24/7.

Why are you crying? Because I don't worship a german pigbox? Its okay but a corvette or even a 335i with turbo upgrades is way more fun.

>>16891872
>new money
>cheaper Porsches

What?

>>16892016
>migrate to the US with my MD+PhD obviously
so fucking glad you cucks can't land residencies anymore, and if you do by some miracle, it's fucking family medicine in Alaska

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I make about 100k/year.

Bought the Yamaha (black bike) in 2009, Porsche in 2013, and Triumph in 2014. All paid in full. Now I just need to buy a house once I stop moving around all the time and actually set it up like a real house.

>>16895550
A car is not a house. Unless you buy at an extremely unlucky time your house will retain its value and most likely increase in value. A car, except in extremely rare circumstances, will decrease in value.
You also get a tax break for interest on a house.
We probably all love cars here, but they are depreciating asset. They are machines that wear out. A car is temporary, like a washing machine or a meal. Taking out months, if not years, of credit for either is stupid or desperate.

>>16895713
>one of the best chassis ever built matched with one of the best engines
>pig

Dumbass alert

>>16895846
I'm sorry but the housing market is getting very over inflated again and it's going to crash hardcore. Young buyers either can't afford to buy or don't want to buy houses. The only ones propping up the market right now is baby boomers and investors. Once the boomers start to make thier last purchases the market is going to go from a sellers marker to a buyers market quickly. I would say don't make any moves to buy a house for at least the 3 years. Something is going to give and when it does you want to make sure you have the cash on hand to take advantage of it.

>>16895878
Have you ever driven one? it wallows a lot for an expensive sports car. I feel like I'm driving a challenger or something. I was real disappointed after comparing it to my buddy's built 335i.

i know a lot of corporate people who make around that amount and the answer is mostly:

>base bmw/audi/merc on a lease
or
>shitty econobox

>>16896231
this or tahoe/suburban/escalade

>>16896235

The SUV's tend to be for the guys with family that are putting on weight in my experience.

>>16894834

suburbs of a city with a growing urban center are perfect places to snap up real estate. Especially if the city center is deal with university students. They dont mind commuting 15-20 minutes longer if the rents cheaper.

>>16894277
>the only thing one can spend money on is not cars

Made 150k this year. Wife drives a 2008 Pilot and I drive a 2002 Accord.

BMW 3 series

>>16894327
Fumbled so hard you couldn't tell that the car is a GTR by it saying GTR on the front?

>>16892111
A far more realistic number is half your net income for total loan amount.

>>16896180
I have.

>>16891859
$80k/year?
I mean, I would spend 4k/mo on mortgage alone because I don't want to live in a shack. I would just spend around 400/mo on a car if I were to finance/lease.

OR I can just do nothing much and work two years while driving a shitty civic or corolla then buy a 50 grand car, preferably used.

But then again, I need to save up money for the down payment on mortgage. Life isn't just about the car, bro.

>>16897436

4k on a mortgage? That is stupid as fuck. Even if I pretend that you're not retarded and you meant 4k for mortgage + insurance + maintenance + property taxes, that's well over half your income on JUST housing. This is exactly how people get ass-jammed into foreclosure.

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>>16892064
Are you new?

>>16897033

A better measure is that the car expenses shouldn't be more than about 10-15% of your monthly income, plus the interest rate should be low (<2-3%)

i.e. if you're making 4000 a month, $400/mo car note would be acceptable and $600/mo would really be pushing it.

Ofc if you have a bunch of loans to take care of or some shit then you should spend the smallest amount possible on transportation. Buying a decent used car and maintaining it averages out to $150/mo worth of maintenance over many years.

>>16894170
m8, I like the miata. I wouldn't even be driving a car if the weather wasn't such shit, i'd be on my GSXR 1000

>>16891859
80k/y is pretty mid range, it encompasses people trying to save for a house driving civics, and people who buy fast cars because the figured out that people will actually give them a loan. I know a guy who makes like 75k and drives a Z06.

For rich people, like 400k/y+
No joke, at least in recent years, the luxury F-150s.
They did an actual study on this at some point, and I can confirm from personal experience that this is at least more common than normal. It's never another pickup either, always the F-150.