I Have $90,000 In Car Loans!

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27 июн 2022

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Комментарии : 377

@dannydinosaur73 2 года назад

I inherited my grandmother's 2007 Toyota Camry when she passed away. Only had 43K miles on it. Fully paid off. I'm driving that thing until it falls apart like The Bluesmobile did in The Blues Brothers. 😁

@tristan2332 2 года назад

Our old 08 went 220k+ miles before we got rid of it...not many issues at all. That year burns some oil so just watch that and your fine.

@itsfrugalrica8558 2 года назад

My 2001 Camry has 340K miles and is still going!

@mathisnotforthefaintofheart 2 года назад

@@itsfrugalrica8558 My old 2001 Camry I had to sell at 320K miles. Couldn't get it through inspection anymore. That was in 2017. Best car I owned. Boring, but good and an excellent sound system too

@kbanghart 2 года назад

@@mathisnotforthefaintofheart I inherited a 2002 Toyota Echo from my mom, has 190k miles and still drives pretty good.

@AStanton1966 2 года назад

Never throw your Camry's cigarette lighter out the window.

@preparetobedazled 2 года назад

Honestly this makes me so grateful for my paid for $3,500 Honda that these people would be embarrassed to drive. Hope they can figure it out.

@cgasucks 2 года назад

They won't.

@TrollHunterxXx 2 года назад

The beautiful part … is that nobody cares. People try to keep up with the Jones’s yet the Jones’s could care less. Anyone that judges another person because of their car doesn’t matter anyway. Take care

@tristan2332 2 года назад

Got two paid off cars.....it sure is nice. Haven't had payments in 10+ years.

@costco_pizza 2 года назад

@Josef Suhonen: while it is good that you don't have any car debt, what kind of life is it to be driving around in a used Honda all day? Who will respect you or associate with you? No, the right thing to do is to own a proper car. A car that tells the world you are a somebody. Not a nobody.

@Lesh004 2 года назад

2005 Chrysler Sebring Touring and 2006 Chevy Trailblazer LT over here lol no heat or ac in the car no radio in the suv and the check engine light has been on since 2016 due to fuse that I refuse to replace just to have it go out again lol (and yes I got that checked by mechanic)

@klwarhouse 2 года назад

I used to drive and own $40k/$50k/$60k cars throughout my 20's. Now that I'm almost to the end of my 30's, I sleep much easier now with my crusty old Subaru Forester.

@masonvanmeurs6683 2 года назад

Paid 1750 for my 98 accord a few years ago. Mechanically flawless. Top level trim with leather seats. Have zero desire to pay what I paid for my car in monthly payments like these people.

@heidithaw1072 2 года назад

Can I ask how you found it

@ven412 2 года назад

Ever seen that crash test of a 98 Corolla vs a 2015 Corolla ? Not saying everyone needs a late model car, but modern cars are much, much safer than 24 year old car.s. I wouldn’t buy anything earlier than a 2010 in 2022.

@Leocomander 2 года назад

I have friends who’s late 90’s accords are hitting 300K miles.

@angel-gc2dp 2 года назад

people want the life of luxury

@ThEUNchaRtedmAN 2 года назад

Congratulations

@SilentPlayer1999 2 года назад

Somehow I knew one of the vehicles was gonna be F-150 😂

@MadSocial 2 года назад

Same lol

@aolvaar8792 2 года назад

Puts more schwing into Mr. Winky

@greenlightwoody9988 2 года назад

America's top selling truck for nearly 50 years.

@jenniferspisak 2 года назад

The saddest part of this call is that they owe that much on a Ford 🫣

@MrOfficer235 2 года назад

Lol I know. Not even a Beamer

@johnc2438 2 года назад

Yeahhh. I thought that at least one of the vehicles had to be an Audi, BMW, or Mercedes. Two Fords?!?! 😖

@kbanghart 2 года назад

@@MrOfficer235 only people who own beamers are jerks

@bettysmith4527 2 года назад

Yesssss!

@15KHPCLUB 2 года назад

It's not even a Shelby 😕

@bobmarker6812 2 года назад

A lot of people just accept having a car payment the rest of their life as the norm. Unbelievable!

@unfairsanic5089 2 года назад

Yeah its scary, which is why i will never buy a car that i cannot afford and just going to pay cash for it

@charlesg7926 2 года назад

As a real estate investor, I’ve learned that rental real estate debt is okay (but must be low enough % compared to your income, to be safe). But PERSONAL DEBT NEEDS TO GO!!! Car loans, medical debt, student debt, is all stupid

@charlesg7926 2 года назад

Also note- Real estate debt is only good, if you’re making at least 30% more money via rental income than all of your costs are (costs = mortgage/HOA/taxes/insurance, plus the occasional repairs). Home value rising is a bonus

@dedalliance1 2 года назад

@@charlesg7926 So charge renters more than a mortgage and repairs would cost because they're income is too low to qualify for a mortgage? Have you ever tried actually creating wealth in business instead of just stealing it?

@bettysmith4527 2 года назад

@@dedalliance1 have you ever thought that managing and renting properties is a lot of work, costing money in repairs and maintenance, and that it IS A BUSINESS and not a charity? Your statement is laughable, you think people want to be landlords to do charity work, they don'ts it's a business!!!

@bcusaaus4749 2 года назад

I did stupid car payments of 1,100/ month. It’s paid off now and I’m going to drive it until everything falls off. Never again will I buy a fancy car ( to quote DR) to impress people I don’t know . Cheers to people who got it and pay cash for cars!!

@jimroscovius 2 года назад

Cash only for us!!

@panchovia 3 месяца назад

@@jimroscoviusheck yeah cash only here also.

@lj2192 2 года назад

The dealer really lowballed these people. Lol!

@dedalliance1 2 года назад

I'm sure they can smell the recession coming along with 6+ a gallon fuel cost. Their truck is already worthless they just don't realize it. The dealership is the smart one for not overpaying for what they're never going to be able to sell.

@stefancoban59 2 года назад

@@dedalliance1 very true indeed

@bettysmith4527 2 года назад

I bet they made their desperation obvious!! You gotta hide your desperation, and just casually go in like it's no big deal if you don't get rid of it.

@dedalliance1 2 года назад

@@bettysmith4527 Or they're just smart enough to not overpay for an inflated vehicle price with gas prices rising and inflation taking over.

@robloxvids2233 2 года назад

Because he knows they are gullible.

@iaindennis3321 2 года назад

A fool and their money are soon parted.

@JustAName-it5qp 2 года назад

Calls like this makes me kiss and hug my Toyota Paidoff.

@Abel_Girma91 2 года назад

Point A to Point B is all you need 🚗

@marionwalkerjr.7394 2 года назад

I am so grateful that I found the Dave Ramsey Show. I am debt free except for my home.

@starrababy31 2 года назад

I thank God that my 2014 Honda Accord is paid in full

@sprague49 2 года назад

Some folks see people driving around in shinny new cars and think, "Wow, they must be swimming in money." I look at what people are driving and think, "Wow, they must be drowning in debt."

@sobeliever1638 Год назад

You should not do that either. They may be like my household and have both cars paid off. Just don't be bothered by other peoples possessions.

@robertbell525 Год назад

Agree, when I see these dually d*ck extenders pulling a humongous RV I marvel at what they must be paying. It's all financed, nobody owns this stuff outright. Rare is the person who gets an inheritance or something and pays cash for them.

@kingberry100 11 месяцев назад

Lol they're not swimming in money. That's the rule. Not the exception. I know several people with luxury or newer cars and they always say how most of their paycheck goes to the car payment or they complain and stress out about being able to pay bills on time

@Pestcontrolguy24 4 месяца назад

Me too. I do now

@Ka_Gg 2 года назад

I bet the husband works in an office and never uses the truck as a truck. LOL

@rocqitmon 2 года назад

I always ask pickup truck owners "what're ya shorin' up this weekend?" After a good chuckle, i get the rationale of buying some shrubs - for offsetting the $60 delivery fee, ya bought a $55K truck. Some analysis! I think your Excel is broken.

@markg999 2 года назад

We have a small suv we use for pulling a jet ski. I see it towing way more than most of the pickups in the neighborhood ha.

@Ka_Gg 2 года назад

@@rocqitmon yeah, they may use it as a truck three times out of the year. It would be far cheaper for them just to rent a U-Haul. I see a lot of people that specifically buy a big truck for their camper.. they rarely use that camper.

@mph5896 2 года назад

@@Ka_Gg Yup. They need to rent a cabin 3x a year. Save a TON of $.

@mistiinseattle 2 года назад

I paid $6000 for my 2006 Suzuki SUV in 2018 and it is a fantastic car. I will stick with it as long as it keeps getting me around!! Who in the world would take out $90k in car loans? Yikes.

@kbanghart 2 года назад

OMG Suzuki lol

@mistiinseattle 2 года назад

@@kbanghart lol yes they no longer sell them in US. But it is one of the most reliable cars I have ever owned, and confortable lol. And it is paid for. 😁

@thabanakabo4370 2 года назад

That's great to hear. Suzuki is so underrated.Put respect on it haha. It is reliable as the big Japanese brands that's why Toyota invested in it and make some cars for each other..

@kbanghart 2 года назад

@@mistiinseattle really? I had heard they weren't that reliable or were too top heavy or something but that was many years ago so who knows LOL

@Pro-habits 2 года назад

90k & gas prices still going up +maintenance & insurance yikes

@kulpatel7624 2 года назад

Never have car payment in my life Always bought used car. No car payment help me to paid off home.

@yelenafoster6024 2 года назад

Have always paid cash for all my cars. All have been used. And absolutely no regrets, ever.

@mrbeverlyhills834 2 года назад

I live in Socal. This is extremely common, most people live in a $2500 apartment and have a $90K car...on a low-100k income. Laughable, but very sad. I own lots of expensive toys myself but if i finance i put AT LEAST 35% down to avoid having negative equity.

@chawanneburn5996 2 года назад

Are you able to secure your grants funding application assistance yet???

@manzanaverde3174 2 года назад

I have seen this is as well! Especially in Low income areas!

@robertmckay621 2 года назад

Just recently paid off my 2018 Chevy Silverado this year in February, it currently has has 65k miles on it. I have no plans on buying another vehicle for a while, I'm definitely enjoy having no car payments. 👍

@Phantom121904 2 года назад

Congrats! We just paid off our 2017 Chrysler Pacifica a few months back, and we plan on driving it into the ground. Which hopefully isn't too soon, Chrysler doesn't exactly have the best reputation for quality lol

@RogerPack 2 года назад

If you're not already, ave up so you can get the next one in cash... :)

@khalilboy97 2 года назад

This what keeping up with the Jones’s will get you! Hope it works out for them!

@tmac6936 2 года назад

Im going through this exact thing right now. Trying to get rid of my truck but dealerships are offering me $16k below my current loan. I have it listed for private sale and waiting to get some decent offers but nothing yet. My monthly payments are $906 and it's really hurting my financial goals. I messed up pretty bad when i was younger but thankful now for dave ramseys advice!

@jimroscovius 2 года назад

Keep trying!!

@charlesg7926 2 года назад

You’re probably asking for too much on the private sale. You want to price it kind of halfway between what the dealer is offering you, and what you think it’s worth according to KBB. Try to price it somewhere reasonable, that people are going to buy it simply because of the deal, but make sure it’s still a better deal than the dealership for you. Remember, this is rarely going to be “THE CAR” that people ideally want, since it’s so random, so you can’t price it fully at KBB value. Needs to be a deal, kinda halfway between KBB value and the dealership’s offer

@tmac6936 2 года назад

@@charlesg7926 you're probably right. I'm having a difficult time trying to accept the big loss I'm going to take on it but it's eating up too much of my paychecks and i have no need for it

@jpstewart100 2 года назад

What kind of truck is it and what are you asking?

@destinhook3826 2 года назад

Don’t give up

@robloxvids2233 2 года назад

They are paying double my mortgage in cars lol.

@paytonfrahm587 2 года назад

Who wants to bet they don’t drive 5,000 dollar cars after this????

@arga400 2 года назад

I am betting they are not selling this cars at all lol

@johnc2438 2 года назад

Nope... won't bet!

@KourttneyL 2 года назад

It makes me happy that I paid for my debt to get a better car. I’m not struggling to pay it. Praise you Dave! 👏🏻

@redfox_84 2 года назад

50k and $1000 a month payment on a truck 🤣

@jovan3546 2 года назад

And probably for 6yrs minimum

@tired_brickmason34 2 года назад

i have a $50k 2021 ram 2500 truck and I pay 799 a month. 🤡

@crack1270 2 года назад

@@tired_brickmason34 Image paying interest on a depreciating asset🤡

@jimroscovius 2 года назад

@@tired_brickmason34 Why???

@tired_brickmason34 2 года назад

@@crack1270 beside my house that's the only debt that I have.

@kj4362 2 года назад

I got into a back and forth with a Tesla owner yesterday. They have a $500+ payment but their defense not to pay it off is because of the low rate they got. There’s no winning with that mindset. Your brain needs to be rewired to understand that there’s nothing better than no payments

@Ka_Gg 2 года назад

People think the win is when you get a low interest rate although they don't realize the win is actually when your vehicle is paid off

@Pro-habits 2 года назад

Exactly

@jimroscovius 2 года назад

@@Ka_Gg It's even more of a win if you don't borrow in the first place!!

@Ka_Gg 2 года назад

@@jimroscovius yeah I've never had a car payment.

@mph5896 2 года назад

Cant fix stupid.

@sasukesuite1 2 года назад

Just checked KBB and that F150 got rekt in value.

@glenn8861 2 года назад

I bought my sister’s 2013 Ford Fusion for 6k. It has 95k miles on it and works perfectly!!!!

@appleiphone69 2 года назад

Big hat, no cattle Texan.

@truthserum5310 2 года назад

Exactly why I still drive the 2005 F-150 FX4 that I bought new in December of 2004. And, I make 150K a year. F new car and truck prices and payments!

@truthseeker6370 2 года назад

$1600/Month in car debt. I can't even fathom that burden and stress of bad decisions. That's double my house payment.

@kbanghart 2 года назад

I can't even fathom that low of a house payment. Mine is $2,700.

@mrbeverlyhills834 2 года назад

@@kbanghart Mine is $4600. lol

@kbanghart 2 года назад

@@mrbeverlyhills834 whaaa no way

@truthseeker6370 2 года назад

I got a great deal on a 2 bdrm/2 bath 1000 sq ft condo built in 2007. Yep, I got it for 88K in 2018 and refinanced to 15yrs in 2020 when the rates were way low. So no, I don't have a Large place, but it is modern/current.

@IWantToMature85 Год назад

Can someone explain what she means when she says "upside down?" I thought that just meant you were in the negatives like "below zero."

@Reppin420 2 года назад

I hope i made the right choice, came across these videos about a week ago and this weekend i decided to take advantage of the dealer offers and sold our new van for basically what we owed on it and then i bought us a van with cash money... thats 23k in debt gone and a 600 bux a month back in my pocket.

@sobeliever1638 Год назад

Smart!

@arthurb2005 2 года назад

I cannot comprehend saying yes to $1000 car payment

@James_Hough 2 года назад

That F-150 is about right for wholesale. Unless its a Limited with EVERY option, no way it's a $50k truck worth 40k miles and 3+ years old. How can people who are reasonably intelligent do this? 140k annual income is not enough to have $1,500 in car payments even if you think car loans are OK.

@dheins57 2 года назад

I just sold my ‘17 raptor with 40k miles for $60k so it’s possible

@James_Hough 2 года назад

@@dheins57 I get that a Raptor is an F-150, but I highly doubt that's what she was talking about.

@mph5896 2 года назад

@@dheins57 Raptor is worth significantly more over an F150.

@edb484 2 года назад

@@dheins57 Raptors are worth a lot more than any F150

@kbanghart 2 года назад

You were fine until you insulted their intelligence. In many cases, intelligence has nothing to do with personal financial habits.

@Ethiodawg 2 года назад

Y’all need to fix this mess! $1000 for a car payment for the husband is insane.

@Ant-dw2uy 2 года назад

90K for FORDS

@evanwilliams2901 2 года назад

Dave’s face when she said 53k 😂😂

@jamisonmunn9215 2 года назад

Car loans are stupid. The prices on these vehicles would drop like a rock if people would just stop taking on these ridiculous loans.

@UAkovalchuk 2 года назад

In 2015 my brother bought a brand new f150 For 32k now the same truck brand new is 47k ..what in the world is going on?

@superblump87 2 года назад

What is going on? Newer vehicles have improved features, there is a shortage of vehicles due to supply shortages (mainly microprocessors), and inflation.

@channell11 2 года назад

Broke people want to be ballin' on a budget. Mortgaged to the hilt on everything they own but at least they got that clean ride.

@vickieclark5931 2 года назад

Exactly. Cars & colleges would be much cheaper if people would quit taking out loans for them.

@kjthomas4553 2 года назад

right we all made this stupid mistake

@bellabobbybob3476 2 года назад

Their car payment even higher than my mortgage payment, CRAZY!

@user-tb7rn1il3q 2 года назад

My mortgage payment is zero. It’s wonderful having no debt.

@bellabobbybob3476 2 года назад

@@user-tb7rn1il3q good for you! I’m making two payments each month and trying to pay it off.

@ae3209 2 года назад

I was expecting like an Acura or a bmw or something, not a Ford! Wow!

@timothygibney159 Год назад

Thats normal for trucks

@allstar2709 6 месяцев назад

A f150 worth more then those cars

@estyria777 2 года назад

I know of people that owe that much on a single vehicle, and have more than one like that. I can't imagine owing that much every month in payments. It feels like insanity.

@superblump87 2 года назад

How much do they make?

@johnc2438 2 года назад

It's more than a feeling; it's a fact! 😨

@johnc2438 2 года назад

@@superblump87 The caller said $140K a year. But having more than $1600 a month in combined car payments does not "feel like insanity." It IS insanity! 🤯 What about insurance, registration, insurance and... FUEL? After all their living expenses, those vehicles own them!

@superblump87 2 года назад

@@johnc2438 I wasn't asking about the caller...

@estyria777 2 года назад

@@superblump87 Not even 80k a year.

@ThatGuy-fx8yc 2 года назад

$1,034 that’s disgusting! I hope they get out of these messes!

@waynechernick3526 2 года назад

That's only on car, more like 1,700.

@aeromedical6750 2 года назад

I can’t imagine what goes through someone’s head to take out that kind financing on cars. They clearly want “the new car smell” vs paying cash for something a little older. My wife and I have a 2020 Tacoma and 2021 Honda CR-V, but both are completely paid for. We took measures 10 years ago to put ourselves in a position to pay cash for newer cars. Having no car payment makes life way more enjoyable.

@mattcolver1 2 года назад

Yeah; We haven't had car payments for over 20 years. We even paid cash for our splurge car when the kids grew up and moved out, a Corvette. That's why you make smart investments so you can buy nice things with the money you make from them.

@juliuscaesart 2 года назад

💪👍

@littlesongbird1 2 года назад

Congrats! I am about to pay off my 2018 Honda Fit and after that I plan to sock away extra $ to save up so next time I need to buy a car, I can just pay cash.

@jpii8468 2 года назад

Some people love cars. It's not that hard to understand, honestly.

@aeromedical6750 2 года назад

@@jpii8468 - exactly. Hence why we have a bunch of financial infants running around trading financial security for instant gratification. Then these same idiots show up on some talk show telling the world how they were “tricked” into making a stupid purchase and how the Gubberment should intervene and punish the evil retailer.

@hankwells2637 2 года назад

The ford sales man watching this after telling them "they got a great deal" by buying hers and his cars 👀

@kimberly9481 2 года назад

What bank do you recommend?

@AceFinance420 2 года назад

My 2014 scion frs paid off for 2years 7months never again with car payments!

@thadthompson2264 2 года назад

The 2018 model F-150 is known to use/burn an excessive amount of oil, it would not surprise me if the 2019 model is affected by the same problem. This may contribute to the low resale value (Although problems such as this usually don't affect the resale value; the dealer/owner just adds or changes oil when the problem is noticed and the ignorant customer thinks they're getting a good deal).

@donnyj9487 2 года назад

If people would just take the time to watch all of the previous clips, they wouldn’t have to call to know they are living like fools.

@kbanghart 2 года назад

But then we wouldn't have these videos and be able to comment on them LOL

@adamseidel9780 2 года назад

More of these classic I bought stupid cars calls please please

@queen.kristal8395 2 года назад

Wow can’t believe people will actually get into debt like that for cars 🚗 cash 💵 is king no car payment no stress.

@bigdogboos1 Месяц назад

this show is like reverse "keeping up with the Jones's". We all know we listen to feel better about our own debts lol

@RJ-cv2uw 2 года назад

My Goodness, I feel anxious when I heard those numbers.

@vickieclark5931 2 года назад

Every time I'm at a stop light and see nice car or truck pull next to me, my first thinking is, I wonder how much their monthly payments are? I don't even see the "beauty" of the car. I see huge payments. I love having a paid off car. Paid mine off years ago and will drive my car until my wheels fall off. I will never have a car payment again.

@markg999 2 года назад

In my area I'd bet this is pretty avg...maybe a little lower than most have for car debt.

@darylbaptie5159 2 года назад

1:13 scribbling.... "Car payment is one thousand..." "GOOD GAWD"

@lowmax4431 2 года назад

This thumbnail cracked me up

@stevee8318 2 года назад

Yeah if it's one of the lower level no frills F150s that quote could be about right. You can't run away from the rolled over negative equity

@FreeAmericanUSA Год назад

I was mad about paying 16k for a brand new Honda Fit. I went when they had a pile on the lot during the pandemic. Those prices are long gone. 56k for a truck? No, that's insane!

@mrjack8849 2 года назад

My neighbor and his wife recently bought a new F150 and Bronco. Not sure how much debt they took on to get both. They have to be at least $50k each new from the dealer.

@lo1bo2 2 года назад

Maybe the dealer was having a Buy One Get One Free sale? lol

@FloridaTurfPros 2 года назад

I just came here because the media team probably picked the funniest Dave face for a thumbnail I've ever seen.

@blueboat9581 2 года назад

Thank God my two cars are both paid off.

@bigtaco956 11 месяцев назад

The 2011 Altima was fully paid off in 2018. Recently, I invested $1500.00 on a new paint job and an additional $1200.00 on fixing some minor mechanical issues. With these improvements, I expect it to remain in good condition for the next two years.

@Ka_Gg 2 года назад

You need to get multiple offers from actual dealerships, not CarMax. I agree with Dave that those offers seem like they are pretty low. If that truck is a four-door model and not some base type model, there's no reason why it shouldn't be in the 40s

@channell11 2 года назад

Depending on the car, Carmax offers can be decent.

@IWantToMature85 Год назад

What do they mean $20 k upside down? I thought that "upside down" meant negative. In that case, you can't sell it at all.

@maxxedout2020 2 года назад

I'd check Carvana to see if they are still overpaying.

@PoyTroy 9 дней назад

No that’s right for his truck. I bought my truck before Covid from enterprise and got a great deal on it, it was a 2019 dodge ram 1500 all the bells and whistles. Paid 23,500 for it , 20k mileage. When I found you guys later. I sold my truck in 2023 to a private seller and they gave me 28,500 for it. I was grateful to have got more out of it. But there were places trying to buy it from me for for around 24k. He’s not going to get more than what they paid me for my truck for his. Sad case

@jusplay7309 2 года назад

Depending on his trim which With still 50k left to pay I am guessing is a platinum he should be able to get at least 40k for a 2019

@JoeyNYSDnomad 2 года назад

Thousand dollar car payment, insanity!

@ChadPavelcpa 2 года назад

Try again I bet you can find a solid offer for both vehicles. Best of luck to you.

@chickencharlie4539 2 года назад

My goodness. Holy smokes

@zachfdogg2021 2 года назад

Hi Dave

@MadmaxMusic93 2 года назад

Trucks are dropping in price my hybrid is going up in price near 29k if I could sell it myself with only 36,300 miles on it!!!

@adrianjackson760 2 года назад

Interest rates must be high!

@cooper197 2 года назад

I have a question for Dave and or everyone in the comments so I make roughly 1100 a month (I’m a soon to be college student) I’ve saved enough to pay this years tuition and I have the basics for what I need for college so I have a decent foundation and I spend about 300 a month on necessities and I plan to put 300 in savings as much as I can for as long as I can do y’all think I still have enough money to spend on things I want (50-200 ) dollars

@oldfordman68 2 года назад

Read your sales contract what aftermarket extra warranty s did he roll into the loan most of them can be cancelled for a partial refund

@mmitbitw Год назад

Serious question. Have you ever gotten a partial refund for a warranty? Had a few friends that got the go around, they eventually gave up.

@brandonabad903 2 года назад

Never will I take out a loan for a car! People care so much about impressing others with their car. So many people at my job have a brand new car and I don’t even want to think about the monthly on them not to mention gas insurance and maintenance. Been driving a Nissan for a couple years paid off and my next car will be paid for CASH god willing

@15KHPCLUB 2 года назад

Better start looking at a Toyota/Lexus and hope you got the cash for it Cause those Nissans (Except for Z's and GTR's) have lots of trouble with CVT transmissions, power steering rack assembly failures, overheating, blown head gaskets, the list goes on...

@NeyJ Год назад

$1,034 a month FOR A VEHICLE

@vince8520 2 года назад

Shouldn't there be an alarm bell that goes off when you reach a 1000$ of car payment ?

@blueboat9581 2 года назад

If a 1k monthly payment doesn't scream at you, you have other problems

@jimroscovius 2 года назад

It should go off on ANY payment.

@tomdrummy4984 2 года назад

Dear caller : your income is not $140k……….your income is $140k minus the amount of the two car payments per year. THATS the way you should be looking at it.

@crack1270 2 года назад

And taxes, everyone says Gross income not net

@jimroscovius 2 года назад

Agreed, but Dave needs to know their actual income in order to give them advice.

@JoeSmith-jo1tf 2 года назад

That F150 worth 40k minimum, at least in my area.

@brioquery 2 года назад

I earn well above the median income. My only car is a 2004 Mini Cooper, which I plan to drive as long as possible.

@mathisnotforthefaintofheart 2 года назад

Time to sell that car while it still works...LOL

@jdelaney9325 10 дней назад

Negative equity on a Ford vehicle? Who would have guessed

@random-nz7dy 2 года назад

She thought Dave was gonna look up hers cars value...why am I not shocked at their choices lol

@melanieabbondandolo481 Год назад

I don't understand why people roll negative amounts into a purchase of another vehicle.

@laserwizard2 16 дней назад

I had a cow when I had to get a car back in 2019 after my 22 year old one became terminal. I set a budget of $12k and was having a cow with $300 per month payments. After 8 months, I refinanced at half the rate and paid the old payment and paid off the car in 4 years. I hope I never have to buy another car.

@devon.b7665 2 года назад

Good lord they living like they rich😂

@aeromedical6750 2 года назад

They make a nice income and I’ll bet they still live paycheck to paycheck. Dollars to donuts the cars are not the only thing they’re financing.

@unfairsanic5089 2 года назад

@@aeromedical6750 if they make a nice income, they shouldnt ask dave for help lolz

@aeromedical6750 2 года назад

@@unfairsanic5089 - having a nice income doesn’t necessarily make you “money smart” genius. That’s why people like this have to call people like Dave. Please tell me you’re not the future of our country!

@christinemarquez6544 2 года назад

They want to live like the Joneses!!

@UAkovalchuk 2 года назад

I just sold my tundra made some money on it because with these gas prices I'd rather drive a hybrid lol ...

@jimroscovius 2 года назад

Good decision as long as you don't go back in debt on the replacement. Cash only.

@2000fordhd 2 года назад

Sounds like it may have been a base model F150. Maybe why value was so low.

@llcross04 2 года назад

He likely has the base trim with a ton of negative equity Rolled in

@jimroscovius 2 года назад

Horrible decision!!

@HoneyDooDoo 2 года назад

These are the people that take all the depreciation and then others come in and get a heck of a deal on a used car.

@jillgott6567 Год назад

This call is causing me anxiety.

@gtileo 5 месяцев назад

Seriously that F150 in June of '22 should have been going for 5grand less than sticker. The dealer was trying to hose you and make a huge profit

@samuelolivares6671 2 года назад

I think they need to find a better interest rate. What the heck are they going to drive that's reliable at this point?? They make $140k, they should be able to afford a $36k SUV and a $50k truck no problem if they have no other debt.

@johnc2438 2 года назад

That's a BIF "if"! 😱