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Posted: 2/22/2016 12:04:52 AM EDT
[#1]
84 month loans
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Posted: 2/22/2016 12:05:22 AM EDT
[#2]
FPNI
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Posted: 2/22/2016 12:05:27 AM EDT
[#3]
Just because you can't justify it doesn't mean you can't afford it.
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Posted: 2/22/2016 12:06:40 AM EDT
[#4]
I asked this same question at a dealership recently as I was buying a used truck with 21K miles on it.
The answer was "they do without everything else". No going out to eat. No toys. No satellite TV. No dental work. "Rub some dirt in it" for anything requiring less than 3 stitches, etc. I can't believe the people buying vehicles with a note bigger than their mortgage. Right next to the dealership is a trailer park. I shit you not, there is a cadillac escalade in the driveway of one of the trailers. Been there for years. Property values are low enough out here they could have moved out of the trailer park and bought a house with what they will pay for that thing. Priorities.  |
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Posted: 2/22/2016 12:06:53 AM EDT
[#5]
Deep In dept or really good job..
I work at a chevy dealer (not sales) and I see 44k+ trucks sell fast and the trade in is usually a 2013 and newer  Sht some even trade in 2015s with 5000 miles
My truck is an 05 with 185k on it 
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Posted: 2/22/2016 12:06:59 AM EDT
[#6]
trade ins,used trucks are worth a lot.
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Posted: 2/22/2016 12:07:03 AM EDT
[#7]
Penis envy.
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Posted: 2/22/2016 12:07:11 AM EDT
[#8]
Under six figures? HahahahahahahHAHAHAHAHA
If you're not making over six figures by your 30th birthday then you're not really trying. Absolutely no reason to not be making that kind of money these days. Especially when we have a wealth of knowledge available to us now. 
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Posted: 2/22/2016 12:07:27 AM EDT
[#9]
When you f8nd out let me know. Then I can stop driving my 15 yo truck.
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Posted: 2/22/2016 12:07:40 AM EDT
[#10]
Or they lease... Makes no sense to me either I am keeping my 05 F150 as long as I can.
We just bought a new car and am wanting a new truck as well, but just cant justify the spend. |
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Posted: 2/22/2016 12:07:45 AM EDT
[#11]
I know how you feel OP, when I was shopping for my current truck, I was in shock, seeing how much trucks were going for, almost made me not want to get one. Almost.
Zach |
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Posted: 2/22/2016 12:07:54 AM EDT
[#12]
In wv, a lot of the miners make good money and their cost of living is a joke. Then they still live in a trailer with a 75k truck.
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Posted: 2/22/2016 12:08:09 AM EDT
[#13]
Beats me, I agonized over buying a 26k Tacoma
I'd rather have a new gun every month for a few years. |
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Posted: 2/22/2016 12:08:28 AM EDT
[#14]
I cant
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Posted: 2/22/2016 12:09:13 AM EDT
[#15]
FPNI
TPNI Ill take my old ass paid for truck over a 85,000 brodozer that ill pay nearly twice for in interest |
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Posted: 2/22/2016 12:09:19 AM EDT
[#16]
You write a check dude
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Posted: 2/22/2016 12:09:43 AM EDT
[#17]
Some places will actually finance a car for 96 months now.
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Posted: 2/22/2016 12:10:56 AM EDT
[#18]
Quote HistoryQuoted:
Beats me, I agonized over buying a 26k Tacoma
I'd rather have a new gun every month for a few years. lol. I cringed when I paid 10k for a used truck. Totally agree about the new gun thing. 
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Posted: 2/22/2016 12:11:17 AM EDT
[#19]
some people actually use trucks for work
that work makes them money that money pays for the truck in other words, magnets |
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Posted: 2/22/2016 12:11:41 AM EDT
[#20]
Smells like poverty up in here.
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Posted: 2/22/2016 12:11:51 AM EDT
[#21]
lol, I just spent 1k to keep my 97... yes 97 jeep running because even if I only get 5 more months out of it, its cheaper than buying something new.. That, and anything I could afford used, Id be throwing parts at + the payment... Fuck it..
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Posted: 2/22/2016 12:11:54 AM EDT
[#22]
I've asked myself the same question. My best answer is it appears to me leasing is back big time & that's fueling sales. FWIW, I make six figures & drive a '98 K1500. I could afford one of them new trucks, but can't justify it when mine does everything I need it to do.
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Posted: 2/22/2016 12:14:50 AM EDT
[#23]
While back large SUV and pickups would get decent tax write offs if used for business. I know they tried to close that off for most SUV's but for pick ups is that still the case today?
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Posted: 2/22/2016 12:14:54 AM EDT
[#24]
Lease
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Posted: 2/22/2016 12:16:14 AM EDT
[#25]
My bosses niece commented this last week that i should buy a new pickup as i was shopping for a new service pickup. My wifes pickup has 225k on it.
I told her i couldnt afford it (she does payroll). She said i could i just didnt want to. She said her payment on each of their 3 vehicles is more than her 600 dollar house payment.
I have a 225 dollar mortgage.
This year im going to splurge and buy my wife a nice pickup. We live pretty frugile. Its time. I want a nice 3/4 ton 4 door long bed. Nothing too decked out, just a few options, aftermarket wheels. A nice pronghorn flat bed if i can talk her into it. That might be a few years down the road when we upgrade and i take over that one though. |
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Posted: 2/22/2016 12:17:12 AM EDT
[#26]
They must be putting a ton down otherwise leasing isn't much cheaper.
maybe one day I won't be poor according to GD standards |
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Posted: 2/22/2016 12:18:29 AM EDT
[#27]
I really want a new truck until I look at the price. That's why my '07 Ram with 185,000 miles on it is getting new tires and new front end work done on it right now.
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Posted: 2/22/2016 12:19:53 AM EDT
[#28]
Because one way or another F&I will find a way to sell that truck.
Ten year loan, two or three co signers, roll over negative equity, loan sharks.......whatever it takes to hold out until the loan is funded. Prices are outrageous because lenders will loan that amount. If they didn't, prices wouldn't be as high as they are. That goes for any financed item. |
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Posted: 2/22/2016 12:20:27 AM EDT
[#29]
I bought mine a few years old used, and even then would not have bought it if not for being able to claim depreciation on my taxes as a farm vehicle.
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Posted: 2/22/2016 12:21:00 AM EDT
[#30]
Quote HistoryQuoted:
They must be putting a ton down otherwise leasing isn't much cheaper. maybe one day I won't be poor according to GD standards
that's the wrong attitude to have you just have to be more creative i make six digits see, super easy to type and without a qualifier it's absolutely true. i DO make six digits, eventually... |
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Posted: 2/22/2016 12:21:05 AM EDT
[#31]
Quote HistoryQuoted:
some people actually use trucks for work that work makes them money that money pays for the truck in other words, magnets I do that. Drive 1000 to 1500 miles a week. I still refuse to pay for power windows or carpet. My boss/partner gave me a 60k budget last time and i ended up ordering the cheapest pickup i could, except i went big and paid for cloth seats. I am tired of vinyl. You can justify it all you want but most of the options dont turn one goddamn red cent of profit and stretch the return on capital out for much longer. That being said, pickups are insane these days. I just bought a basic single cab work pickup last week for 30 grand. No options other than 4x4. Im 28, when i started i could buy a 3/4 with a new utility bed for 19,999. |
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Posted: 2/22/2016 12:22:08 AM EDT
[#32]
Priorities.
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Posted: 2/22/2016 12:23:08 AM EDT
[#33]
Quote HistoryQuoted:
I do that. Drive 1000 to 1500 miles a week. I still refuse to pay for power windows or carpet. My boss/partner gave me a 60k budget last time and i ended up ordering the cheapest pickup i could, except i went big and paid for cloth seats. I am tired of vinyl. You can justify it all you want but most of the options dont turn one goddamn red cent of profit and stretch the return on capital out for much longer. That being said, pickups are insane these days. I just bought a basic single cab work pickup last week for 30 grand. No options other than 4x4. Im 28, when i started i could buy a 3/4 with a new utility bed for 19,999. Quote HistoryQuoted:
Quoted:
some people actually use trucks for work that work makes them money that money pays for the truck in other words, magnets I do that. Drive 1000 to 1500 miles a week. I still refuse to pay for power windows or carpet. My boss/partner gave me a 60k budget last time and i ended up ordering the cheapest pickup i could, except i went big and paid for cloth seats. I am tired of vinyl. You can justify it all you want but most of the options dont turn one goddamn red cent of profit and stretch the return on capital out for much longer. That being said, pickups are insane these days. I just bought a basic single cab work pickup last week for 30 grand. No options other than 4x4. Im 28, when i started i could buy a 3/4 with a new utility bed for 19,999. Do you ever enjoy time off or do anything for fun? |
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Posted: 2/22/2016 12:24:38 AM EDT
[#34]
My truck is an F250 FX4 king ranch. Sticker on it was somewhere around 65k.
I financed it for 48 months and put 8 grand down. Now, here's the kicker. I lease it back to my company and bill 1.45 per mile it drives. It's also a write off on my taxes. As is the 2010 corvette and the 2015 mustang. So there you go. That's how I afford it. |
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Posted: 2/22/2016 12:27:34 AM EDT
[#35]
1. They can afford it.
2. It's a "work truck". 3. They can't afford it. Take your pick |
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Posted: 2/22/2016 12:27:54 AM EDT
[#36]
I bought my escalade new back when I was 26, took me roughy 3.5-4 years to pay it off (down payment was over 30k). Just worked out I guess. But within your means, everyone's budget will be different, some people tend to over extend themselves though
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Posted: 2/22/2016 12:28:17 AM EDT
[#37]
Quote HistoryQuoted:
I do that. Drive 1000 to 1500 miles a week. I still refuse to pay for power windows or carpet. My boss/partner gave me a 60k budget last time and i ended up ordering the cheapest pickup i could, except i went big and paid for cloth seats. I am tired of vinyl. You can justify it all you want but most of the options dont turn one goddamn red cent of profit and stretch the return on capital out for much longer. That being said, pickups are insane these days. I just bought a basic single cab work pickup last week for 30 grand. No options other than 4x4. Im 28, when i started i could buy a 3/4 with a new utility bed for 19,999. Quote HistoryQuoted:
Quoted:
some people actually use trucks for work that work makes them money that money pays for the truck in other words, magnets I do that. Drive 1000 to 1500 miles a week. I still refuse to pay for power windows or carpet. My boss/partner gave me a 60k budget last time and i ended up ordering the cheapest pickup i could, except i went big and paid for cloth seats. I am tired of vinyl. You can justify it all you want but most of the options dont turn one goddamn red cent of profit and stretch the return on capital out for much longer. That being said, pickups are insane these days. I just bought a basic single cab work pickup last week for 30 grand. No options other than 4x4. Im 28, when i started i could buy a 3/4 with a new utility bed for 19,999. my job tomorrow is to go get a state inspection done on a 1988 C70 i'll check all the lights just to make sure they work but otherwise there's not a motherfucking thing on that truck that doesn't work granted, it has a floor dimmer, standard split transmission, roll up windows, no AC, and shit like actual glass headlights but it hasn't skipped a beat for damned near as long as i've been alive try that shit with with a 2016 anything in 2044, see if there's a motherfucking thing that still works |
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Posted: 2/22/2016 12:28:40 AM EDT
[#38]
Keeping up with the Jones
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Posted: 2/22/2016 12:28:58 AM EDT
[#39]
Is it that time of the month (bitch about how much others spend on a truck) again?
Meh, I'm debt free and craving a different truck right now. Had mine 10 years and starting to get kinda bored with it. I'm lusting after one of these. A money saving used 2014 FX4. 
And if anyone doesn't approve of what I spend MY money on, they can bite the head. |
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Posted: 2/22/2016 12:29:33 AM EDT
[#40]
My truck is 26 years old and still drives great, AC blows cold, and it keeps me warm in winter.
Have no idea how many miles it has since the odometer only goes up to 99,999 before rolling over. It showed 30K when we bought it and now displays 65k. We have a receipt where the engine was replaced at about 89k and someone wrote in wax pencil on the underside of the hood that it was replaced at 153k as well. Not sure who to believe but the truck does what I ask it to.
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Posted: 2/22/2016 12:30:02 AM EDT
[#41]
Umm, if you can't live relatively well as a single guy taking home ~$5K a month after taxes with ONE BILL that is around 1100 bucks, you've got bigger problems than a truck is going to solve, anyway.
Fuck, I'm married with 2 kids and I live WELL on less than that after all of my other financial obligations. If a grand a week isn't enough to clothe, feed and shelter you, I'd suggest you're either too opulent in your choices or WAY too fucking tight with your wad. |
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Posted: 2/22/2016 12:30:31 AM EDT
[#42]
Quote HistoryQuoted:
my job tomorrow is to go get a state inspection done on a 1988 C70 i'll check all the lights just to make sure they work but otherwise there's not a motherfucking thing on that truck that doesn't work granted, it has a floor dimmer, standard split transmission, roll up windows, no AC, and shit like actual glass headlights but it hasn't skipped a beat for damned near as long as i've been alive try that shit with with a 2016 anything in 2044, see if there's a motherfucking thing that still works Quote HistoryQuoted:
Quoted:
Quoted:
some people actually use trucks for work that work makes them money that money pays for the truck in other words, magnets I do that. Drive 1000 to 1500 miles a week. I still refuse to pay for power windows or carpet. My boss/partner gave me a 60k budget last time and i ended up ordering the cheapest pickup i could, except i went big and paid for cloth seats. I am tired of vinyl. You can justify it all you want but most of the options dont turn one goddamn red cent of profit and stretch the return on capital out for much longer. That being said, pickups are insane these days. I just bought a basic single cab work pickup last week for 30 grand. No options other than 4x4. Im 28, when i started i could buy a 3/4 with a new utility bed for 19,999. my job tomorrow is to go get a state inspection done on a 1988 C70 i'll check all the lights just to make sure they work but otherwise there's not a motherfucking thing on that truck that doesn't work granted, it has a floor dimmer, standard split transmission, roll up windows, no AC, and shit like actual glass headlights but it hasn't skipped a beat for damned near as long as i've been alive try that shit with with a 2016 anything in 2044, see if there's a motherfucking thing that still works I hear ya. Electrical gremlins get these new ones eventually. |
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Posted: 2/22/2016 12:33:00 AM EDT
[#43]
It's priorities. I could afford new truck payments. I'd rather save money for education and retirement.
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Posted: 2/22/2016 12:33:23 AM EDT
[#44]
Quote HistoryQuoted:
lol. I cringed when I paid 10k for a used truck. Totally agree about the new gun thing.
Quote HistoryQuoted:
Quoted:
Beats me, I agonized over buying a 26k Tacoma
I'd rather have a new gun every month for a few years. lol. I cringed when I paid 10k for a used truck. Totally agree about the new gun thing.
I paid 10k for my used truck , almost 20 yrs old now and its time to update, sticker shock man sticker shock |
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Posted: 2/22/2016 12:35:05 AM EDT
[#45]
I just bought a new F150. 45K sticker, I got it for 36K after rebates.
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Posted: 2/22/2016 12:36:07 AM EDT
[#46]
I have about 3 years left on my note. I'll have it paid off in 2.
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Posted: 2/22/2016 12:37:17 AM EDT
[#47]
Quote HistoryQuoted: My truck is an F250 FX4 king ranch. Sticker on it was somewhere around 65k. I financed it for 48 months and put 8 grand down. Now, here's the kicker. I lease it back to my company and bill 1.45 per mile it drives. It's also a write off on my taxes. As is the 2010 corvette and the 2015 mustang. So there you go. That's how I afford it. |
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Posted: 2/22/2016 12:37:38 AM EDT
[#48]
Quote HistoryQuoted:
I paid 10k for my used truck , almost 20 yrs old now and its time to update, sticker shock man sticker shock Quote HistoryQuoted:
Quoted:
Quoted:
Beats me, I agonized over buying a 26k Tacoma
I'd rather have a new gun every month for a few years. lol. I cringed when I paid 10k for a used truck. Totally agree about the new gun thing.
I paid 10k for my used truck , almost 20 yrs old now and its time to update, sticker shock man sticker shock Mine is only 14 years old and love driving it. Gonna keep it road worthy until another wheel falls off.
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Posted: 2/22/2016 12:37:57 AM EDT
[#49]
Ford's 0% interest rate
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Posted: 2/22/2016 12:39:12 AM EDT
[#50]
Quote HistoryQuoted: Penis envy.
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