The Official No Need To Start a New Thread, Thread

[SkinnyPupp]

Originally Posted by 68style

Why? She's 19 now (I actually was surprised when I read that to be honest)

And thank god she finally is, as the weirdos who go after her are always weirdly sexual about it. Now they can at least pretend not to be creepy pedos when they go after her.

[68style]

Isn't that usually the default way of cutting down any female that threatens any males? Trump perfected it, he'd just tee it up for all his loser followers and then let them actually carry it out so he could put his hands up like it went too far after.

[SkinnyPupp]

Originally Posted by 68style

Isn't that usually the default way of cutting down any female that threatens any males? Trump perfected it, he'd just tee it up for all his loser followers and then let them actually carry it out so he could put his hands up like it went too far after.

Yeah but she was like 13 right?

[teggy604]

https://bc.ctvnews.ca/order-to-remov...ions-1.6014201

while working class has to pay expensive storage monthly, the homeless gets free storage.

[whitev70r]

^ ah ... least we could do. I have no issues with that.

[Great68]

I mean, you could always go try living on the street if you wanted free material storage..

[68style]

Yah I got no issue with that at all… I can afford to pay for storage for my gluttony of goods that don’t fit in my house.

That’s everything these people have. No house to fill up first.

[inv4zn]

Originally Posted by teggy604

https://bc.ctvnews.ca/order-to-remov...ions-1.6014201

while working class has to pay expensive storage monthly, the homeless gets free storage.

Wow, you don't have to empathize with homeless people, but don't somehow pretend YOU'RE the victim in this great injustice.

[Gerbs]

Just curious, when would you guys consider being able to afford a $80 - 100K+ car?

[bcrdukes]

Are you sure "when" is the right question? There are so many variables to the equation there is no right or wrong answer. All it takes its to become one of your 1% friends and they can buy as many $80K - $100K+ cars day and night like nobody's business. Throw in your 99% friends and they may never be able to buy one. Here on Revscene, everyone drives an $80K+ car given how baller we are in this make believe metaverse we live in.

[Gerbs]

Originally Posted by bcrdukes

Are you sure "when" is the right question? There are so many variables to the equation there is no right or wrong answer. All it takes its to become one of your 1% friends and they can buy as many $80K - $100K+ cars day and night like nobody's business. Throw in your 99% friends and they may never be able to buy one. Here on Revscene, everyone drives an $80K+ car given how baller we are in this make believe metaverse we live in.

Yeah, if you ask anyone at /r/personalfinance they'd suggest 20/4/10 rule, 2000 beige corolla.

The reason I ask is because a car forum would value it differently. It isn't a regular commuter for the average person here. So I guess the question re-phrased would be when would you guys specifically deem it's reasonable for yourself? I know the answers could vary between having 2x to 5x salary of the cars value or even just affording the payments paycheque to paycheque.

I've been so ingrained to not spend any money on cars to the point where I would only pick up a car if it's a steal and I know their value would hold. For the longest time I thought I'd never spend more than $20K on a car.

[bcrdukes]

You asshole - you bought the A4 Avant hahaha ingrained not to spend any money on cars my ass. I'm still salty about that Nevermind the cars in your signature

[EvoFire]

Originally Posted by Gerbs

Just curious, when would you guys consider being able to afford a $80 - 100K+ car?

Real life example. I bought my F80 M3 in 2018, ~90k negotiated price, just before 100k out the door. Lease payments of $1299/m. Judge it on your own circumstances.

Ordered it in Feb when I couldn't realistically afford it making 72k, yolo I'll find a new job

Laid off in Mar 23 cause office closed with a decent payout

Found a new job started April 16th making 81k + bonus.

Euro delivery on M3 in Sept. Raise to $86-7k + bonus I think when I came back from the vacation.

Couple of groundwork stuff.
I was married and in a DINK household ~150-160k a year.
We had a mortgage that was 1100/m that we bumped and pay 1800/m. Total costs for our home was about 2500/m including strata, insurance, utilities, taxes.
I had no car costs as I had a paid off MS3 that I sold. Then I bought a NC to dick around in, which then I sold.
That was really it for costs as wife had a Mini Cooper, but work paid for it.


Asterisks to think about, nowadays with the rates being the way they are there's no way you are getting a $1300/m lease payment on a 100k car. I was curious and poked at the A91 Supra because pricing is out. 72k price, 84k with taxes out the door. Finance at 7.49% I think with payments around $1600/m for 60m finance. My M3 was right around $1600/m on 60m finance as well but it's 16k more expensive out the door.

Also consider the fact that we were DINKs. There's no way I can throw down a 0 downpay 100k car right now with a 2nd kid on the way.

[bcrdukes]

EvoFire = Liar liar pants on fire
Don't believe this guy. He's baller AF

[68style]

Originally Posted by Gerbs

Just curious, when would you guys consider being able to afford a $80 - 100K+ car?

I'm close to making a decision to get one in this range (after taxes) and I haven't bought a new car since 1999... always just drive fully owned <$10k used cars all the time and been totally fine even as a car enthusiast.

I think it's more complicated than affording though... like I seen a lot of people die around me the last couple years... couple friends the same age as me, couple older relatives and recently a close family relative last week.

I decided that even though my annual income does not in any way justify that sort of purchase, and I get sick to my stomach imagining signing paperwork on it, I have relatively little mortgage left and I can sell a few other cars that have appreciated notably in the 10+ years I've owned them and just want to live a bit for a change. I've never had a brand new powerful car and want to.

I wouldn't say I'm going like YOLO or anything... but definitely any financial advisor would say that it's not a good idea for me. A life advisor might disagree.

[EvoFire]

Originally Posted by bcrdukes

EvoFire = Liar liar pants on fire
Don't believe this guy. He's baller AF

Says the guy who tracks a Porsche

Originally Posted by 68style

I'm close to making a decision to get one in this range (after taxes) and I haven't bought a new car since 1999... always just drive fully owned <$10k used cars all the time and been totally fine even as a car enthusiast.

I think it's more complicated than affording though... like I seen a lot of people die around me the last couple years... couple friends the same age as me, couple older relatives and recently a close family relative last week.

I decided that even though my annual income does not in any way justify that sort of purchase, and I get sick to my stomach imagining signing paperwork on it, I have relatively little mortgage left and I can sell a few other cars that have appreciated notably in the 10+ years I've owned them and just want to live a bit for a change. I've never had a brand new powerful car and want to.

I wouldn't say I'm going like YOLO or anything... but definitely any financial advisor would say that it's not a good idea for me. A life advisor might disagree.

A91 Supra?

[Gerbs]

Originally Posted by bcrdukes

You asshole - you bought the A4 Avant hahaha ingrained not to spend any money on cars my ass. I'm still salty about that Nevermind the cars in your signature

I think it's cheaper to to buy a lower KM example vs almost 300,000KM and spending money replacing every wear and tear item. It seems like my end total cost will be the same

Originally Posted by EvoFire

Real life example. I bought my F80 M3 in 2018, ~90k negotiated price, just before 100k out the door. Lease payments of $1299/m. Judge it on your own circumstances.

I was married and in a DINK household ~150-160k a year.
We had a mortgage that was 1100/m that we bumped and pay 1800/m. Total costs for our home was about 2500/m including strata, insurance, utilities, taxes.
.

Wow, that's so awesome. I think examples like this make it seem more realistic that I can buy a M3 one day lol. I'm around $2,300/month for housing and my mind tells me I'll need around $10k/month net before I even consider financing such a thing

[bcrdukes]

Originally Posted by Gerbs

I think it's cheaper to to buy a lower KM example vs almost 300,000KM and spending money replacing every wear and tear item. It seems like my end total cost will be the same

I enjoy the painful experience

[whitev70r]

Originally Posted by 68style

I decided that even though my annual income does not in any way justify that sort of purchase, and I get sick to my stomach imagining signing paperwork on it, I have relatively little mortgage left and I can sell a few other cars that have appreciated notably in the 10+ years I've owned them and just want to live a bit for a change. I've never had a brand new powerful car and want to.

I wouldn't say I'm going like YOLO or anything... but definitely any financial advisor would say that it's not a good idea for me. A life advisor might disagree.

Have you ever thought of renting a supercar for a weekend or a week just to scratch the itch? I mean, for all the reasons you listed ... that and ownership brings with it its own set of long term commitment of maintenance, storage (I'm assuming it's not going to be the DD), insurance, etc., ... but then that's just me.

[Gerbs]

Originally Posted by bcrdukes

I enjoy the painful experience

It might be too much pain for me soon. I went from cars that cost $100/year for two oil changes, $100 in tranny / brake fluids and DIY in garage, to paying almost paying $300 - 500 for the same thing.

Originally Posted by 68style

I think it's more complicated than affording though... like I seen a lot of people die around me the last couple years... couple friends the same age as me, couple older relatives and recently a close family relative last week.
.

Same, I've seen people that worked really hard and end up with some unfortunate sicknesses or randomly pass away. Started trying a bunch of hobbies this year vs trying to save every damn dollar to have a > 50 - 70%+ savings rate.

[underscore]

Originally Posted by 68style

I'm close to making a decision to get one in this range (after taxes) and I haven't bought a new car since 1999... always just drive fully owned <$10k used cars all the time and been totally fine even as a car enthusiast.

I think it's more complicated than affording though... like I seen a lot of people die around me the last couple years... couple friends the same age as me, couple older relatives and recently a close family relative last week.

I decided that even though my annual income does not in any way justify that sort of purchase, and I get sick to my stomach imagining signing paperwork on it, I have relatively little mortgage left and I can sell a few other cars that have appreciated notably in the 10+ years I've owned them and just want to live a bit for a change. I've never had a brand new powerful car and want to.

I wouldn't say I'm going like YOLO or anything... but definitely any financial advisor would say that it's not a good idea for me. A life advisor might disagree.

I came to a similar conclusion after being in a similar boat. Except for the appreciation part, my cars are still worthless

[Badhobz]

Originally Posted by whitev70r

Have you ever thought of renting a supercar for a weekend or a week just to scratch the itch? I mean, for all the reasons you listed ... that and ownership brings with it its own set of long term commitment of maintenance, storage (I'm assuming it's not going to be the DD), insurance, etc., ... but then that's just me.

DO IT. its actually a much much smarter move.

Unless youre baller enough to track day your ferrari/lambo (i dont know that many who are willing) and have multiple supercars, most supercar owners take extremely good care of their 1 car. So much so that you never want to stress it, never want to track it, or hell even drive it much.

Any ferrari/lambo over 20,000kms on the odo is considered high mileage. Most of these guys only put on like 1000km a year.

So you can throw all that bullshit i wrote above out the window if you just go rent it and drive the piss out of it. Thats the true supercar experience.

Having it putt around robson st revving it a few times isnt what they are designed for.

[Badhobz]

you buy 100k+ cars NOW. RIGHT FUCKING NOW. before this stupid ass 10% GST falls on all our asses sept 1st (thats why i went and bought my LC)

https://mcmillan.ca/insights/what-th...cing-entities/

[68style]

I got no interest in owning a supercar... I've driven a few F-cars and Lambo's etc... massive drawbacks despite the cool (douche?) factor.

Looked at 911's for a long hard while, but 2012-2016 is the sweet spot at least to me visually/engine wise before they went turbo... $100k+++cdn + taxes for a 10 year old Carerra S is pretty ridiculous.

[underscore]

Originally Posted by Badhobz

DO IT. its actually a much much smarter move.

Unless youre baller enough to track day your ferrari/lambo (i dont know that many who are willing) and have multiple supercars, most supercar owners take extremely good care of their 1 car. So much so that you never want to stress it, never want to track it, or hell even drive it much.

Any ferrari/lambo over 20,000kms on the odo is considered high mileage. Most of these guys only put on like 1000km a year.

So you can throw all that bullshit i wrote above out the window if you just go rent it and drive the piss out of it. Thats the true supercar experience.

Having it putt around robson st revving it a few times isnt what they are designed for.

My plan is to eventually go on a trip someplace with nice roads and rent one for a few days or a week. Just the taxes on a 100k car are 12k, not to mention insurance and servicing, and when I checked it out that would easily pay for a weeks holiday in Europe for 2 + rental of a supercar. Then I'll actually get to enjoy it instead of just using it to commute in traffic or something.