Proles struggling with car payments (NYT)
| Chartreuse pit | 03/21/26 | | crawly bull headed den | 03/24/26 | | violet lascivious fat ankles | 03/24/26 | | Chartreuse pit | 03/23/26 | | fantasy-prone red filthpig | 03/23/26 | | ultramarine hairless tanning salon codepig | 03/23/26 | | Chartreuse pit | 03/23/26 | | navy galvanic love of her life crotch | 03/24/26 | | Appetizing potus sandwich | 03/23/26 | | ultramarine hairless tanning salon codepig | 03/23/26 | | Appetizing potus sandwich | 03/23/26 | | ultramarine hairless tanning salon codepig | 03/24/26 | | Maroon main people | 03/24/26 | | ultramarine hairless tanning salon codepig | 03/24/26 | | Appetizing potus sandwich | 03/26/26 | | ultramarine hairless tanning salon codepig | 03/27/26 | | Titillating overrated menage | 03/24/26 | | Lemon party of the first part puppy | 03/24/26 | | Titillating overrated menage | 03/24/26 | | Lemon party of the first part puppy | 03/24/26 | | fantasy-prone red filthpig | 03/24/26 | | Transparent irradiated ratface address | 03/24/26 | | Citrine abusive stage elastic band | 03/24/26 | | Titillating overrated menage | 03/24/26 | | Lemon party of the first part puppy | 03/24/26 | | Transparent irradiated ratface address | 03/24/26 | | Appetizing potus sandwich | 03/23/26 | | Chartreuse pit | 03/23/26 | | fantasy-prone red filthpig | 03/23/26 | | Appetizing potus sandwich | 03/23/26 | | navy galvanic love of her life crotch | 03/24/26 | | beta school toaster | 03/24/26 | | Cyan mentally impaired knife place of business | 03/24/26 | | beta school toaster | 03/24/26 | | Cyan mentally impaired knife place of business | 03/24/26 | | wonderful onyx cuckoldry legend | 03/24/26 | | Know-it-all Deep Jew Orchestra Pit | 03/23/26 | | Appetizing potus sandwich | 03/23/26 | | silver weed whacker | 03/23/26 | | Mischievous Disgusting Office | 03/23/26 | | translucent sick round eye state | 03/23/26 | | Appetizing potus sandwich | 03/23/26 | | translucent sick round eye state | 03/24/26 | | Appetizing potus sandwich | 03/24/26 | | razzmatazz jade spot | 03/24/26 | | Razzle useless brakes | 03/24/26 | | nudist liquid oxygen | 03/24/26 | | fantasy-prone red filthpig | 03/24/26 | | Razzle useless brakes | 03/24/26 | | Chartreuse pit | 03/24/26 | | razzmatazz jade spot | 03/24/26 | | fantasy-prone red filthpig | 03/24/26 | | beta school toaster | 03/24/26 | | Chartreuse pit | 03/24/26 | | Out-of-control drab nursing home | 03/24/26 | | Citrine abusive stage elastic band | 03/24/26 | | razzmatazz jade spot | 03/24/26 | | Citrine abusive stage elastic band | 03/24/26 | | Appetizing potus sandwich | 03/24/26 | | beta school toaster | 03/24/26 | | razzmatazz jade spot | 03/24/26 | | beta school toaster | 03/24/26 | | Appetizing potus sandwich | 03/24/26 | | navy galvanic love of her life crotch | 03/24/26 | | Comical native pocket flask | 03/24/26 | | scarlet kink-friendly resort organic girlfriend | 03/24/26 | | razzmatazz jade spot | 03/24/26 | | Talented kitchen | 03/24/26 | | razzmatazz jade spot | 03/24/26 | | insanely creepy principal's office | 03/24/26 | | Thriller Nighttime Business Firm Roommate | 03/24/26 | | razzmatazz jade spot | 03/24/26 | | Chartreuse pit | 03/24/26 | | Maniacal stag film circlehead | 03/24/26 | | Big-titted frum gas station old irish cottage | 03/24/26 | | Maroon main people | 03/24/26 | | Citrine abusive stage elastic band | 03/24/26 | | Maniacal stag film circlehead | 03/24/26 | | Big-titted frum gas station old irish cottage | 03/24/26 | | Maroon main people | 03/24/26 | | fantasy-prone red filthpig | 03/24/26 | | Maroon main people | 03/24/26 | | fantasy-prone red filthpig | 03/24/26 | | Arrogant Grizzly Quadroon | 03/24/26 | | Big-titted frum gas station old irish cottage | 03/24/26 | | fantasy-prone red filthpig | 03/24/26 | | Maroon main people | 03/24/26 | | Big-titted frum gas station old irish cottage | 03/24/26 | | razzmatazz jade spot | 03/26/26 | | fantasy-prone red filthpig | 03/24/26 | | Talented kitchen | 03/24/26 | | beta school toaster | 03/24/26 | | navy galvanic love of her life crotch | 03/24/26 | | Wine coiffed striped hyena forum | 03/26/26 |
Poast new message in this thread
Date: March 21st, 2026 8:59 PM Author: Chartreuse pit
An $830-a-month car payment. Auto insurance for $280 each month. Thousands more for tire and maintenance repairs.
For almost three years, those bills have followed Davine Greene, a nursing student who hasn’t missed or been late on a payment since buying her Kia K5 GT in November 2023. But keeping up with the payments has driven up her debt to more than $80,000, not including student loans.
Last week, she filed for bankruptcy to escape the burden, she said.
“This car is the bane of my existence,” said Ms. Greene, 24, who lives in Fort Lauderdale, Fla. “Probably the worst decision I’ve ever made, like, financially speaking.”
https://www.nytimes.com/2026/03/16/business/car-ownership-prices-interest-rates.html
(http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2\u0026mark_id=5307129#49760411) |
 |
Date: March 24th, 2026 6:00 PM Author: Citrine abusive stage elastic band
Yes, you need to negotiate all dealer add-ons to zero to get as close to invoice as possible.
Never do a trade in with the dealership. Or maybe have them give you an appraisal and even bring the title and show the salesman, but then at the last minute pull your trade in and be like I'm going to walk from this deal, get me my car back. Then ask if they can match the out-the-door price they gave (assuming trade in) if you make up the difference with cash.
Always be able to walk. And when I say walk, I mean walk.
You can't do this at all with Toyotas or other "in" cars. And certainly not with luxury models or sporty models that are status symbols. You need to find models that aren't as popular and that won't have as strong a resale value if you want to get them down on price. But in the long run, if you're just trying to buy a car, it's always a smarter choice to drive what is decent and boring and NEVER EVER EVER drive what is popular or seen as trendy.
(http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2\u0026mark_id=5307129#49766068) |
 |
Date: March 24th, 2026 10:35 PM Author: Lemon party of the first part puppy
if you cap interest rates then average payments will go down because non-credit worthy people like $800/mo kia girl will not be able to obtain financing. i think her not being able to finance a car is less cruel than allowing her to be fleeced at usurious rates.
you said automakers would just raise msrps to compensate. i disagree. automakers cannot recoup loss from lower interest rates by raising msrp because they cannot force people to finance through them. if two cars cost 30k, one cannot raise the price to 35k so that they can offer low rates to shit borrowers because the majority of the market that is credit worthy will buy the 30k car.
you're basically talking about frontloading interest in the cars principal. automakers couldnt do this. and, if they devised a way, it could be regulated away. charging usurious interest by fraudulently frontloading it in the principal is something that happened when usury was a thing too. it would be like allowing a mortgager to charge customers points to pay down the rate cap and calling it the origination fee. they're still charging the usurious rate, they're just hiding the money somewhere else.
(http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2\u0026mark_id=5307129#49766964) |
Date: March 23rd, 2026 10:39 PM Author: Mischievous Disgusting Office
After splitting time between Las Vegas and Texas, he settled in Houston in 2023. But he had hourlong work commutes and was driving for DoorDash and Uber for extra income, which quickly raised the gas bill and mileage on his 2016 Chevy Sonic. He is also holding on to a 2015 Chevy Camaro.
Mr. Rhodes has decided to pause his ride-hailing and delivery work and is focusing only on hairstyling.
“I remember being younger, and you could just buy a car outright and keep it rolling,” Mr. Rhodes said. “Now there’s these high payments. It’s just crazy.”
----
NYT is just "Daily Mail for Libs" at this point, pretty solidly disguised ragebait. "Why doesn't this fucking NIG-I mean, down on his luck citizen just sell the Camaro?" the lib wondered to zhimzelf.
(http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2\u0026mark_id=5307129#49764109) |
Date: March 24th, 2026 9:35 AM Author: scarlet kink-friendly resort organic girlfriend
Angelica Akins, 32, works late-night shifts as a certified nursing assistant while raising five children. Early last year, the engine of her 2011 Chevrolet Equinox died. Without enough savings or the credit score that dealerships required, she put off buying a car and temporarily turned to ride-hailing services to get to work.
The rides cost her around $1,000 a month, with her commute taking about two hours round-trip from her apartment in Grand Rapids, Mich., to her job in Saginaw. Ms. Akins picked up extra shifts to keep up with her expenses while saving for a car. But the daily Uber costs added up, and she managed to save only about $2,500 — less than half of what she desired.
“You never know how important things are until you lose them,” she said.
Ms. Akins recently moved back in with her mother, leaving the neighborhood and home she loved to cut back on her $1,400 monthly rent and shorten her commute to 30 minutes, making it easier to share rides in her mother’s car or find cheaper trips.
***
Her: 32. A fucking CNA (like the entry level of nursing). FIVE. CHILDREN.
U: 40. JD. Can't afford a kid yet, maybe in a couple of years.
(http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2\u0026mark_id=5307129#49764653) |
 |
Date: March 24th, 2026 5:01 PM Author: fantasy-prone red filthpig
I am a car nut and trade in and out of cars with some frequency. Though I am always a cash buyer. If someone is in such dire straits that they need as cheap a car as possible, they aren't looking to buy this car and keep it for a decade. They just need something to keep them functional while they get their act in order.
And even then, there are plenty of Craigslist specials to be had. Here's a cool ass Honda Accord for less than $7k. https://newyork.craigslist.org/wch/cto/d/yonkers-2014-honda-accord/7922966981.html
As another poaster said, you are greatly underrating the reliability of more recent cars. Especially mass market vehicles like the Camry, CR-V, RAV4, etc. And age of the vehicle matters less than miles and maintenance. And these cars are not complicated to maintain.
(http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2\u0026mark_id=5307129#49765977) |
 |
Date: March 24th, 2026 4:53 PM Author: Big-titted frum gas station old irish cottage
You're using old boomer logic from back when cars were unreliable as fuck and rarely made it past 100k miles, and didn't make it to 50 if you didn't maintain properly.
Cars from the past 15 years all easily hit 200k even with shitty maintenance. Even the shitty ones.
(http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2\u0026mark_id=5307129#49765948)
|
 |
Date: March 24th, 2026 4:57 PM Author: fantasy-prone red filthpig
I understand your point. But people's incomes have also risen. And even though incomes haven't kept pace with inflation, there is a gigantic universe of reliable used cars on the market at any time for under $15k.
And they can still be financed for 5+ years at which point the monthly payment could be less than $250.
(http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2\u0026mark_id=5307129#49765963)
|
|
|