I make 118k a year and drive a 2007 honda accord beacuse 600-800 dollers a month to finance a car makes no financial...

They liek spending time around loind minorities on busses

I love feeling the difference when digestive

Oregon?

Yeah, it’s fun but mostly because it’s the car I feel fits me. It’s orange. Idk if it pulls bitches tho, I don’t really look for women these days since they’re terrible lol

I make 118k a year and drive a 2007 honda accord beacuse 600-800 dollers a month to finance a car makes no financial sence. I dont make enough for 800 a month payment, simple as.

Not saying you need to take on an $800 a month car payment if your current vehicle is reliable, but how can you not afford $800 a month if you make $118k a year? That sounds like you may need to cut back your spending in other areas.

Does it have the v6 vtec?
It's a great engine.

But your biological imperative... u have one job to do.. what about ur legacy? What else is there to do in life but have kids? Get drunk at 1 pm?

It’ll happen when it happens I guess

dollars, sence,u

you have to go back

I make less than you and paid cash for my new $52.000 car. When I went to the DMV to get it registered the filipino girl behind the counter goes "you have title? you have no lien holder?" Then she looked at me like a fat redditor looks at a hot pocket.

Poor people who want to look rich often drive expensive German cars
It just makes them poorer in the long run
Rich people don't invest a lot into rapidly depreciating assets
And in city traffic you all go at the same speed anyway

After taxes it's take home about 6.5 k a month. 1800 for rent and bills. Organic food and ribeye steak everyday cost me 1000 bucks a month(nessesnity, health is wealth, worth any price). I send my granda 700 a month to help her with bills.

I have no idea were the rest of the money goes but I basically end up with 2k savings every month. Which I need to save beacuse if I ever get sick I don't want to have to reply on US doctors to heal me as they are all evil

I drive a brand new F150 lifted on 37s. I've never taken it off road. Don't really plan to. But it looks super dope!

I'm waiting for it to shit the bed desu so I have an excuse to buy a new car and maybe finally get a woman to look in my direction

How did u save money? U must have not been addicted dto weed for 15 years straight, spending 50 bucks every other day on live rosin by the end of it cuz thats the only thing thst could get my rocks off. 2 months sober..

I make 105k, putting 15% of my income in retirement, mortgage is $800 a month. Around $3400 a month in spending money after all bills and taxes are paid, why not spend a quarter of that financing a used 911 or something? Could hoard all my money until I retire and be a rich old man with nothing to do but drink till I piss my pants everyday or enjoy some of my money when I’m young

I make 118k a year

600-800 dollers

No. Start over, try again stupid.

If you earn that much why don't you buy a new one for cash when the 2008 falls apart? That it a pretty cost effective form of motoring. Keep the new car until it falls apart too, which could be twenty years for a decent Japanese motor.

No need to finance. Cash is king.

kys illiterate nigger

Spend that money on organic food and a function medicine doctor and u will have plenty of energy when u are old. Look at trump. Dude is pushing 80 and in the prime of his life. He was still grabbing women by the pussy at 70..

Name one time spelling properly has helped u in life? Name one thing u can do either than spell?

Here's a wild concept mutt, save up your money for a few months/years and buy it outright

based. i make $120k and i drive a 2017 mazda 3 with 90k miles. goymobiles and loans on goymobiles are the death of the middle class.

It's a honda accord. It will never fall apart. My dad has 350k on his crv

Wouldn't that money be better spent investing in a car wash or a rental property?

Haha. Never seen a car owned outright before. Lol.

But yeah, pay cash and get the newest you can afford in the size catagory you need.

How can americans make 118k but not be able to spell sense? Also, can't you save up a bit of that and buy a car without using finance?

Like I said ealier, that money would be better spent on a car wash or rental property. Give me one reason to spell properly? If I need to send out a work email I just use spellcheck and reread what I wrote.

It's a gay troll.

I already buy decent food and lift, and have some of the best health insurance in the state. Not going to blow hundreds a month on imported mushrooms or hand jerked bull sirloins just to shit them out my ass the next morning

How did u save money?

No taxes.

Organic food and ribeye steak everyday cost me 1000 bucks

The fuck? I eat that and I barely spend £150.

I suppose I do make soups from all my meat bones which does me between steaks and shoulders of grass-fed lamb.

Yes. There are a lot of people who make poor economic decisions either to increase their status or pleasure, and then cry that they can't afford to eat healthy or think about the environment.
On the other hand, there are others who earn half what you do and still manage to live happily within their means.

Also on that income you need to buy a house and not rent.

#3 cause of death in the US is medical misdiagnosis. If u shop and king supers or costco u are not eating decent food. It doesn't even taste decent. Medicinal mushrooms improve your health by a lot. I bet u drink caffeine lmao. I bet u can't even b3nch 2 pl8 also

Europe is light years ahead of America in food but ur medical system is somehow worse. 1 lbs of gas fed no antibiotics ribeye costs about 25 b7cjs right now

i bought a pic related almost a year ago and i regret it. car as whole is very practical and doesnt look like an ass, also pretty comfy daily driver, but i kinda hate hybrid drivetrain. its fuel efficiency is basically non existant in cold weather and driving in winter almost never is on electric power, its 90% regular engine working, especially if you turn on heating. so its useless. what pisses me off even more is the constant on/off of ICE motor. it makes the driving feel like an ass with cosntant jerks. driving or standing still and you can feel the thump/jerk/engine kicking on. its not as noticeable as you drive, but : let off gas = jerk, electric kicks in = jerk, pothole = jerk, bump = jerk, kickdown the gas pedal = ICE+electric go in = jerk. holy fuck it irritates me so much, its absolutely not worth the economy. beforehand i owned only german cars with gas 4 cylinder engines and let me tell you - they felt inside cabin like youre driving rolls royce compared to this rattly japanese shitbox. besides engines smoothness, everyting was shitting down in german cars ,especially electronics, so theres that.

For 80 year old cancer patients yeah, I’d rather do something with my money other than eat and stare at it for a second or two before flushing it down the bowl

Trump eats McDonald's and KFC every day though...

I have higher standards for life than them. I have been through so much bad shit, I would br an insult to settle for being a normie

Normies and cars they can't afford is a classic combo.

KNEEL

People think a $600 a month car payment for 72 months is 'fine'. Now you know why social security and Medicare exist. They're buying new cars with high interests rates instead of saving.

I have a friend still driving his 1992 Accord. It is beginning to have problems. Only about twenty years after normal cars start having theirs.

i drive 2006 corolla

It easier to get a large loan on a small apartment building with multiple apartments than a small loan for a single family house according to Grant cardone..

Poor

No, for average people. I had the top oral surgon in my sate, who charged 500 for a consultation, misdiagnosed a large bone infection

lets speak realistically, almost no one becomes a millionair if hes not born one in his lifteime. is it really worth saving every penny and suffering in worse conditions when you ironically live only once? yes, you can drive a bicycle or public transportation. or you could have some nice car. yes, money is wasted. so is its wasted on other unnecessary things.

Must be all that expensive slop you ate

You're better off in the long run. You are surrounded by debt slaves

A new car is fun

A new car comes with a warranty so that when something breaks I can drag the dealer by his tie and smash his face into the contract for free repairs. New cars also don't break as much. I'm sure the 2007 model you got is reliable but 99% of cars that old are piles of shit that will cost you more in repairs than buying a new car.

t. someone who finally aborted his constantly breaking 2009 shitbox for a 2020 model I hope lasts for many years

car crashes into your '07 Honda and totals it

car isn't worth much to begin with you so you get maybe $6,500 for your trouble

Congratulations, you now have a car payment.

118k a year

can't afford 800 a month

I don't understand american math. It's always something insane like this. 800 a month is less than 10k a year.

800 USD/month, for 84 months

only slightly more efficient than a 1996 Toyota camry, 1/10th of the car.

This is the mindset of a poor.

Americans for some reason say their gross salary before the dozen random taxes and insurances they have to pay.

$120k a year is like $6.2k a month take home pay after health insurance, taxes, and reasonable retirement contributions.

I think it's funny how most people live well beyond their means and brag about "buying" (financing) $3,000 graphics cards and $4,000 TVs, and sending in $700+ car payments, and get exposed hard the second the market acts a bit funny because suddenly they can no longer pretend to afford the products. I mean, people are losing their minds over a $500 Nintendo Switch 2. If a $500 purchase broke the camel's back, you were always living beyond your means. Just stop consooming, you dumb animals.

New cars also don't break as much.

Blocks your path.

ye, fucked up on that. oh well, since i bought it, i should keep for a while. camrys are rare in my country/region, my best alternative would be corolla or something

You make that much money and you can't even spell sense, or use proper punctuation. Need

Do you work in Cali at Wendy's?

Whiny lil fagoot

Corollas are also excellent cars. My car is cheap to run and fun to drive.

I make 6k a week and I've been driving my moms last 2 hand-me-down honda civics for 15 years now

Irma a whole other experience from a normie car. You impress women with it when you take them on dates and drive them. Nothing beats driving your date back to yours in your nice car about to fuck the shit out of her later. I’ve had women cream themselves on my leather seats just on the drive back to mine

this

civic is nice (i guess) but is basically extinct in europe. rust consumes it in a matter of years. warm climates like california and australia is literally almost heaven for cars. no rust means even shittiest metals do not rust and japanese cars can literally run forever

It's 25 years old now.
If I keep it for another 5-10 years it will be a classic. I want a new paint job.

I've just always liked older cars.

1 lbs of gas fed no antibiotics ribeye costs about 25 b7cjs right now

I don't know about ribeye as for steak I buy rib of beef not rib eye because I want the bone. Aged come in at £11/lb to less aged £7/lb. Do x1.3 for dollars.

I buy them sometimes but my normal cut is an on-the-bone shin that I simmer -divine. I get a big bone-on fat-on brisket sometimes for roasting too. Vastly cheaper. Nearer £3/lb.

Fuck the NHS and all its evil ways. Also we need our guns back and nogs and Pakis out.

people get into one-upsmanship type shit with family, friends etc. for example they want to make sure their kids are being seen dropped off at school in a mercedes and not a shitbox because that could get them made fun of. or maybe their neighbors got a nice BMW and they perceive that as like a "haha you're all poor" shoutout even if that guy just happened to like cars etc. it sounds really fucking petty because it in fact is really fucking petty. but if you see nothing pressuring you in life to upgrade I mean as long as the car still runs fine there's no fault in using it. if it's breaking down every other month now or something maybe change it out just because that's a pain but otherwise yeah, of all cars you picked the one that can go 500k miles no problem.

Worse, that stretch of California that touches it.

And seriously fuck the 900 second timer

pre 2023 accords are GOAT

Yeah, you don't have to be a slave to money but don't be that guy earning minimum wage who drives a Mercedes and sinks into debt

Corolla/camry/civic very good car SAAR, very fast, very cheap, very good SAAR. No need do maintenance SAAR.

only i see complaining here are you, if youre sick of your car buy a new one you clearly have the money, nigger

How come it's always euro fag's who are obsessed with spelling? Spelling isn't important

Organic food and ribeye steak everyday cost me 1000 bucks a month

You're retarded. I can almost guarantee I eat cleaner than you, work out more than you, and I can manage on $300 a month just fine

Name one time spelling properly has helped u in life?

Literally every professional occupation. You are dumb and this is a very strange larp.

There's no spelling in engineers ,as far as I'm concerned every other job is busy work anyways..

What's ur bench? Mine is 245 one time. Touching chest and with pause. If u don't touch chest and pause it doesn't count have u ever even done a real bench press before

Why not just put leather seats in?

I bet you voted for this
Kys.
I only in thr 60s drive a 04 cavalier and a 96 f250.
But i went full retarded and bought a 2020 expedition that lives in our garage.

One thing that might be a worthwhile wheeled purchase is a camper. I'd get one if I had family to travel with, but since I don't, I drive a 2008 VW, even though I could easily afford a new car.

b3nch 2 pl8 also

Post bench. Bet you wont

Traded in my civic for a 2020 passport. 400 a month. It’s called having a family, nigger.

I really wonder about this. I'm a software engineer and I have one of the shittiest cars on the road anywhere I go. How is everyone affording this stuff?

The engineers I work with do seem to have very low verbal iq. Makes them seem dumb when corresponding with them

Leather. 90% of the leather these days outside of true luxury cars is "vegan leather". AKA, plastic leather. It's fucking shit.
And yes, most people are financing themselves into oblivion with insane 72 and 84 month loans or endlessly paying for a lease, which they think is some kind of good deal. But you can mostly thank the government for mandating endless features that we don't really need.

yes, i like older ones too, not all of them, but a good chunk for sure. theres something about them unique. plus cars like yours civic is literally a simple car, lots of free space in engine bay

Why would you say your post tax when taxes are wildly different between countries? Not to mention health insurance deductions, HSA contributions, 401k contributions, etc.

Yes it inflates the number, but how else do you compare evenly?

I make 118k a year

so probably taking home $7000/mo. after taxes and insurance

I dont make enough for $800 a month payment

Nigger you are just cheap. You fancy yourself some kind of financial genius, yet you probably blow your entire load on some goon cave 1 bed apartment and door dash to minimize human interaction as much as possible.

durr I invest some too

Wow good one. I bet thats really paying off isn't it. All the gains are about to be wiped out in the next 5 months LOL.

There's no spelling in engineers

Bullshit

What's ur bench?

Lol much higher than yours >inb4 cope about something with it

I also drive a paid off vehicle and have no desire to get into a car payment again. Especially not with inflated vehicle prices and at these interest rates. The idea is sound financially and people should be ok with driving things for awhile. But you talk like a giant faggot and I don't believe anything you say.

That's exactly why you put the post-tax number. Saying "I make X" tells me nothing about how much money you make because I don't know what you pay in taxes.

How the fuck do you make that much and can't get better financing than 800 a month? What's your credit good goy score? How do you make that much and can't spell "dollar"? Fuck if you make that much per year just save a bit and buy straight cash. I have a 2016 chevy I bought used and the loan was like 250 a month.
I smell bullshit OP

they probably dont. for example i have coworker who bought some old ass bmw 5 series and is now in process of disassembling whole headlight unit, replacing parts and resealing them because current ones have a hole/crack in them and it lets water in. he obviously cant afford to buy brand new ones (even like chinese aftermarket) because that would cost him like 2-3 months of his salary. and i noticed he literaly wears same cheap clothes every day. a same jacket all year round too. other colleague drives some old mercedes and wears SAME clothes every day. means they shift their priorities. leave other stuff behind to push additional money on a car.

Yeah, I get that. But then you have to list out

federal rate

state rate

FICA

health insurance if you choose to have it

dental, vision, long term care insurance, etc if you choose to have it

401k contribution if you have one

HSA contribution if you have one

And there are other deductions that you could just. It gets too long is my point.

For example, my salary (excluding bonus) is a little over $128,500. I could say $4955 biweekly gross. Or I could say my biweekly take home is $3136 but then have to explain I have $622 split between HSA contributions and 401k contributions that is investing. I can explain that, but that gets too in the weeds for most people. Or you can saw the raw total, ballpark what you do for whatever taxes/withholdings normally in your situation, and apply it to compare. That's more simple.

i make more than you and mine is older hahahahah

I drive 2013 Renault which I bought for 4000 euros in 2019 by saving for 2 years from my job then. I plan to drive the shit out of that car, not buying anything before 2030.

And you know what's the biggest joke?

I drive it to the train station and back for work mostly, it has 70k miles/114k kilometers only.

That's like 10% of your pre-tax income on ONE item. Of course it's possible to 'afford' that, but it would be really dumb to do.

You drive the same beater as my Neet neighbor living with his parents I'd like to kill.

you belong in a forced labor camp without a tongue so you can't even lie there.
$120k / year cannot afford a pot to piss in, and certainly nothing more than $200 a month car payment.
120,000 is so fucking poor you certainly cannot afford a home, so you're renting from shekelverg or boomerstein, or living in mama's basement.
so NO, you demon possessed danger to society. NO. $120k CANNOT afford $800 car payment, that is total nigger section 8 housing math. and i pray your fingerbones and teeth shatter so you cannot type or speech to text any more hateful posts like this every again.

reliability of your french miracle?

2 minor fixes a year, last one was a busted car battery. I did not change it since the car was bought. It came up to 140 euros or 8% of my monthly income.

you are not considering:

a typical one bedroom appartment: $1800 or more
new car: $800 a month
groceries: $250 a month

thisnis without accounting bills, gas, extras

I own 2 houses with no mortgage and only make 30K a year part time. Of course I was smart and got the equity out of my house and bought two houses.

busted battery is not a reliablity issue. what else was wrong with car?

Not all of us live in San Fran with the faggots

It’s orange

an orange porsche
you should be arrested

My teen dream car was a Porsche 928. Not really the crowd favorite though.

Nothing.

Corollas are too fucking small to get in and out of.
Even before I was a fat bastard.

What? It's not at all more simple. Just deduct all these things without explaining them and say you're left with whatever amount.
When you say you're making 100k I have zero idea if you actually make 60k or 80k, it's just weird.