I see so many new cars on the road and it pisses me off. I've been driving the same 20 year old shitbox for 18 years of its life. I just wish I could know...Do people actually have the money to buy this shit, or are they all living paycheck to paycheck by spending $500+ a month for 72+ months on cars they shouldn't own?If so, how do I become stupid and not care about my credit score and just buy a fucking Jeep right now?
>>26452693money is really easy to make if you know where to look
>>26452693Fuck em, keep on rolling baby
>>26452693My job pays me 500 a month for a car plus a gas card
>>26452693nothing made in the last 5 years is worth owning anyway anon. probably better off with the shitbox than some of these hideous ipad-dashboarded nannymobiles.
>>26452716>>26452720>>26452735Not sure if you guys are just larping. Okay, I WANT you to tell me that all these people are making stupid decisions by buying shit they can't afford.>>26452748I agree, especially with the belief that anything made in 2020 onward is especially fucked. I believe that because of Covid and all the semi-conductor shortages and everything else supply chain, everything was made with cut corners and bottom-tier parts. Prove me wrong, but I suspect every make and model's model year 2020 - 2024 will be the worst model years.
>>26452693>Bought new car 1.5 years ago>paid off this month>90k incomeSeams easy really. Git gud
>>26452693>buyThey are leases bro. t. broke ass nigga who flexes on white boys making them so ass mad they gotta make threads on 4chins when they see my base model 2023 nissan altima base
If you keep your car looking clean, headlights arent all fogged and shit, cars from 10, 20+ years ago are completely respected dude. Shows you can keep your shit together and youre resourceful. Its a plus in the eyes of anyone, even women unironically. And yes they are all in debt. First of all american culture is centered around debt. Their suburban house, their car, everything they buy is on a credit card and most of them hold balances past their due dates. These people in new cars are, 90% of the time, NOT in a desirable position. There was a recent study showing that the majority of americans are in deep debt from their cars, they cant afford them. This isnt sour grapes by the way. This is understanding the value of tens of thousands of dollars. There is so much you can do with that to further and improve your life. It's easy to just go "oh 450 a month for a car? sure!" But you're losing over 40 thousand dollars. These are parents putting their kids into the shitty public school system, the money they spent on their new car could have been spent putting their kids into private schooling, it could have been given to them for college, etc. And just anyone else, you could travel and see so many things, get into so many hobbies with top notch gear, invest and start a business or passive income, etc.Basically just stop caring dude. Save your money.
>>26452760Did you fall for "college is a scam" meme?Well, even if you are too dumb for a college degree, you could still make some dough by getting a real estate license. Just be helpful toward the buyers and you'll make money.
>>26452772How is college not a scam?
>>26452768>If you keep your car looking clean, headlights arent all fogged and shit, cars from 10, 20+ years ago are completely respected dude.This, you'd be surprised how good a car looks with a full detail, my car is from 2004 and ive been ashed by people at work what year it was.
>>26452693Stop spending money on stupid shit and you can afford shit like new cars.
>>26452693Your credit score should go up when buying a fucking car if you aren't retarded. I've paid off my wrx in two years despite taking a 4 year loan on it at 3% interest. I'm sure the bank is happy I fucked them on that. But hey kept money to blow on other dumb shit
>>26452782I went to public schools for free. How did I get scammed if I paid nothing? I got 70K salary right out of a state university. 3 years later, now I make 150K. Stop smoking weed. It makes you stupid.
>>26452830My credit score is 796 right now.>>26452821Other than food, I try not to buy anything. There are dumb material things that I want to buy but I just stare at them on the shelf and second-guess myself from spending money.I'm hell-bent on buying a jeep that I've started putting $300 from checking in to savings every month.Trying to build up as much as possible while my dd is still running so I don't have to pay the monthly jew.
>>26452693the way i see it ~85% of these shiny brand new cars on the road are on lease. and these normie npcs all just go in on the lease. they dont even fathom "buying" a car, to them the cars come from the car factory and the factories are the big lots with all the cars. so you go to one of these car factories, sign some papers, and you get to drive away with a reasonably expensive car that they have to pay like $400-$600 a month for for the next 4 or 6 years of their life. thats just how this shit works. and it doesnt seem that bad either. im honestly considering it, especially if this whole thing is under warranty, like if i blow the engine they replace it for free. because repairing my old car is costing me more per month than a lease on a new car
>>26452782Because it makes you rich you fucking idiot
>>26452782I went to community college for 2 years for basically free, then took about $40k of student loans for 2 years finishing undergrad and 1.5 years getting a master's degree, both at the best public school in my stateNow I work about 35 hours a week in an office surrounded by other engineering autists like meI get paid about $140k a year to do this and I'm only 26College sure scammed me
>>26452856> they have to pay like $400-$600 a month for for the next 4 or 6 years of their life500*12=6k, that's per year* 4 years, its 24k* 6 years, its 36kand you have to give the car back.>because repairing my old car is costing me more per month than a lease on a new carthe fuck kinda car are you driving that needs 6k/year in maintenance/repairs?
>>26452903>the fuck kinda car are you driving that needs 6k/year in maintenance/repairs?This, car paymentfags always talking about how they're not poor, meanwhile bitching about the cost of repairs and shit like that.Pick one nigga
>>26452851>Other than food, I try not to buy anything.>I'm hell-bent on buying a jeep that I've started putting $300 from checking in to savings every month.Bro, how much do you even make? If you're doing well you should be able to do double or even triple that and still build surplus unless you live in California or NYC.
>>26452693The vast majority of Americans are living paycheck to paycheck. They were before car notes went off the deep end too. I can't imagine these people are anything but stretched to the breaking point. Bad stress. One slip up could cost them everything.
Average NPC obsessing over other NPCs
>>26452693>Do people actually have the money to buy this shitno they all lease them, or take on debt
>>26452782if you do the right thing like pure maths or financial planning, it pays for itself in the first 2 years of employment
>I've been driving the same 20 year old shitbox for 18 years of its lifeBRUTAL
>>26452693They're not able to afford them. There's a food donation thing in the mall parking lot behind the shop I work at I drive through on test drives periodically. The people waiting for gibs are waiting in brand new cars from challengers to bmws. Also, pretty fucked up of these people to organize the gibs between normal working hours how the poors can dig themselves out of their self made hell is beyond me with that plan.
>>26453085That's actually based as shit, man hasn't had a car payment in a really long time, imagine how many 3 year leases would cost for an economy car over and over would be.
>>26452861lollmao even
>>26452693Paycheck to paycheck. One missed paycheck and everything falls apart.
>>26453511This, when you own your own shit, you don't feel the effects of recession because you can't be underwater on something you don't owe money on, I think a lot of people who bought marked up cars are gonna have to out a gun in their mouth when the value of their car drops way below what the payoff on their loan is, because that was the car's value the entire time.
something like 40% of americans dont have a rainy day fund so take that as you will
>>26452693>Do people actually have the money to buy this shitNo, but dammit there's always a helpful small hat man ready to get you into a vehicle anyways. most people in the US can't afford a $500 emergency. Not to mention most vehicles are built with both software disabled features(that you paid for anyways), invasive tracking as a means for a bit more revenue for the manufacturer, and built to last for one or two lease terms at the most.Also, pic related.Only thing I'd buy new at the moment are motorcycles, end even they are getting weird shit happening.
>>26453505When you convince a bunch of 16-18 year olds that this is the only way to be successful in life and the whole school system reinforces it and your parents encourage it, all your peers, the colleges you look at and lenders are obviously doing it. People wanna pretend that the mindset of gaslighting a 17 year old into a loan is somehow acceptable and they need to be an adult and pay it off is the real scam.
>>26452836>>26452861>>26452864What if you aren’t good at and don’t like engineering?
goddamn does everyone on /o/ make six figures or something? I thought that was like 1% shit
>>26453829Burger king's have it your way motto applies to salary negotiations as well. Especially for math majors.
>>26453829instead of admitting they're wrong they'd rather make something up.
>>26453829I do and I would believe a good chunk on this board do as well. If you're 110+ IQ, which 4chan tends to be, and reasonably motivated, like people into cars tend to be, it's really not hard to make six figures at all.I didn't go to college either, fwiw.
>>26453854maybe you're right, holy shit, I had no idea
>>26453854>a good chunk on this board do as well.I remember that poll from 2019 where 75% of /o/ users over 1 month who voted didn't even own a car. With a large number of those users of /o/ for more than 1 yea.
>>26453864It's really not hard. The biggest thing is mindset. If you consider yourself a broke loser, you will be a broke loser. If you consider yourself a success, and work to create success around you, you will make it. You (yes you) can do it anon.
>>26453829Statistically, most people with college degrees don't work in their field nor do they make significant money in that field if they do.T. Biochemistry degree stocking shelves a decade after college.
>>26453872Same, but EE working as a hydraulics mechanic.
>>26453854>>26453864Adding on to what I said here >>26453867Pic related is literally the best how to manual for being successful I have ever seen. Read it multiple times and memorize it, especially the chapters on affirmations and systems vs goals. It's full of principles I've followed my whole life condensed into one place. Read it, contemplate it, and find ways to put it to work in your life and you will be a millionaire someday, I'm not even kidding.
>>26452693>living paycheck to paycheck by spending $500+ a month for 72+ months on cars they shouldn't own?yes. also the bank owns the car>>26452693>driving the same 20 year old shitbox for 18 years of its lifeLucky bastard never had to deal with the carelessness and neglect of previous owners. unless you are a retard and abused the car.
>>26453872>T. Biochemistry degree stocking shelves a decade after college.Bruh you have a 4 year in biochem and you aren't working at ANY of the large pharma or biomedical companies and you're just stocking shelves? I thought you were gonna say something like regular ass biology but you have biochem which is significantly more valuable.
>>26453884It's not really a surprise, there are far more people who have degrees than there are positions in their field. Because high school students are getting tunneled into college, it's not balanced between trade schools and uni. Everyone chased the good degrees and now the market is oversaturated.
>>26453911Even if you don't get a job at ANY of the big pharma or biomedical companies you can still land in regular chemical or regular medical fields. Many of these jobs are gonna be better than stocking shelves.
>>26453505That's total student debt which is mostly all the retards who get humanities degrees then end up working at starbucks.
>>26453946Source: I made it up
>>26453943This too.even a fucking lab tech with the university will net you 50k/year, along with he ability to make connections and easy pussy.
>>26453943Where do you think those people who couldn't make it into big companies went? It's an absolute rat race, schools don't promote trade schools and act like college is the only option. Skilled trade jobs are so in demand but people with degrees aren't working in the field of their respective degree. It a basic supply and demand issue.
>>26453967What do you mean "didn't make it" they're biochem majors. It's one of those really valuable STEM degrees next to chemistry. Even if you're straight out of college you can still be a Lab Technician and make more than stocking shelves. That could be any Lab Technician either, whether you're at a hospital running assays, or in a chem lab washing glassware, or assisting a principle chemist. If you did environmental you could just be a sample taker/handler assistant whatever. You can work in your town's water department, you can do a lot of different jobs that are a ton better than stocking shelves.
>>26453995Because there are more people looking for work with those qualifications then there are positions looking for people with those qualifications. There's a reason why only a quarter of college grads go on to work in a field related to their degree. Small pond to many fish.
>>26454014Idk man. I know the whole "no one wants to work anymore, hiring urgently" is a huge meme and shit but there has to be something remotely better than stocking shelves that might lean into the field.
holy c/o/pe thread
>>26454040It's the same thread every time.>why don't kids these days like cars>they can't afford them>BULLSHIT ITS BECAUSE DURR HURR DURR>100+ posts.
>>26454046just make six figures bro :^)
>>26453864Zippia is using household income for these percentages without saying they are.
gay thread desu
>>26453866Many people don't own their cars.
>>26452693yeah some people are living above their means. But you're definitely poor. Why don't you learn something instead of complaining?
>>26453799Real Estates. You just need a license
>>26453505>>26453798retards. This is why you guys are poor. Did you miss the posts that say college ed is free?Ever heard of Fafsa?
>>26454233what now wiseguy
>>26454387Claim to be black/hispanic and are experiencing racism.
>>26454233>he thinks FAFSA, Pell Grant, or TAP even remotely comes close to covering public college let alone any other college.Protip: you aren't getting a free ride to college unless you're a minority, parents are divorced, or disabled or on a scholarship.
>>26454387>have to work to go to school>can't go to school without work>catch 22>hey because you aren't doing so well in school we're gonna make it even harder to go to schoolwho comes up with this shit?
>>26454424It did for me, and I worked full time from evening to 1 AM to pay for rent and food. I was all by myself, and that's enough. What I didn't have was excuses.>>26454387>>26454432My idiot friend from high school makes as much as me doing roofing. Pick a lucrative skill and stick to it.
>>26454424You get a free ride if you're a minority parents are divorced?How do I get in on this?
>>26454468Are you black? https://www.bestcolleges.com/resources/black-student-scholarships/I had a black classmate who copy-pasted his essay and sent it to scholarships. He didn't even need to work.
>>26454233>college ed is freefound the nigger
>>26452693>>Do people actually have the money to buy this shit, or are they all living paycheck to paycheck by spending $500+ a month for 72+ months on cars they shouldn't own?Definitely the latter, if they're even choosing to own it now. I've seen a lot of leases out on the road. Don't feel bad about your car being/becoming a shitbox anon, it's arguably one of the best points in car ownership.
>>26452760What do you mean can't afford? I pay 270e a month for my Mazda 3, while the deprecitiation here is a bit less.
>>26453650My trug is worth 4k less than what I paid. But reality is I'm going to drive that into the ground over the next 10 years. So I don't honestly care
>>26452693your jealousy is clearly a state of mindeven if you got a good used car, it would still feel "new"I have 2 cars, and every time i take out my summer car, it feels refreshing, despite its a shitbox 90's japanese sportscar. maybe if you just had a cool car to begin with you wouldnt care for fags in there le new epic ride.
>>26454233bait
>>26454467>My idiot friend from high school makes as much as me doing roofing.RIP your friend's back and joints
>>26454848vs getting hemorrhoids, cataracts, and a shortened life expectancy from sitting at a desk staring at a computer screen all day long
>>26455436office job gives you the ability to exercise in a planned way and actually develop your body instead of destroy it
>>26455445>https://www.theatlantic.com/health/archive/2016/08/the-new-exercise-mantra/495908/anon i
>>26455455>the atlantic>paywalled articlepost the archived version or fuck off
>>26455475>cant look at screenshot>cant use google to find any of a million articles that say the same thingenjoy "sculpting your body", fatass. i'm sure real men who are out building roofs are really jealous of your physique.
>>26455482not him but many of these articles will just say "a study was done by xxx" then you can't find it because the place in question publishes so many studies its impossible to find and even if you do, the journal its published in might be garbage or its paywalled.
>>26455482>cant look at screenshotonly an idiot takes headlines at face value>cant use google to find any of a million articles that say the same thingif it's so easy, you should be able to post the studies yourself instead of a screenshot of a clickbait article
>>26452693>are they all living paycheck to paycheck by spending $500+ a month for 72+ months on cars they shouldn't own?Yes, normies are fucking retarded with their finances. This same shit happened in 2004-2007 with record new car "sales" and then the economy collapsed lol. It's gonna be even worse this time. People are overextended
>>26452693>JeepNo wonder you're poor. You're an idiot.>Let's just spend $45,000+ on a 10MPG mall crawler to say how small my penis is!
>>26455543Back in 07 I saw Escalades fucking everywhere. Now its extremely rare to see even one
It's pretty easy. 70k a year, after all my monthly expenses I have $2400~ left over before a car is considered.$400 car note, $80 insurance, $100 gasStill leaves me with $1820 per month to save, invest, or play around with. Thinking about getting an even nicer car at $800 a month and still having plenty of cash left over.
>>26452816i use nothing more than one of those wash n wax soaps every few weeks and it never gets old seeing how clean my 30 year old car is despite all the paint chips. every now and then randoms will compliment it too, feelsgoodman
