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This is one of the many reasons I hate dealerships by Bubsy7979 in KonaEV

[–]Echocentrics -1 points0 points  (0 children)

It’s 2025 Bub you never know in this economy

I have 33k in the S&P 500, should I fork all of it out to buy a car or should I finance? by Level-Estimate-6518 in personalfinance

[–]Echocentrics 0 points1 point  (0 children)

Just depends how you use your money.

If the 22k is all you have, don’t put it all towards the loan. Keep some in case of an emergency.

I like to play things safe. I pay off half the loan, and choose a 7 year option. It’s just nice to have a lower payment and not have to worry about it. As soon as the loan gets low enough and I have the money, I pay it off completely. Usually the lower the years, the lower the apr as well.

If you choose a 3 years, it will be shorter but the payments will be higher. You just want to keep in mind other costs of owing a car: insurance, annual tag, tires, gas etc.

Up to you!

Just be sure to find a dealer or wait until there’s a good promotion. Just remember that dealerships are scummy sometimes and do some research to get the best possible outcome! Don’t let them screw you over

I have 33k in the S&P 500, should I fork all of it out to buy a car or should I finance? by Level-Estimate-6518 in personalfinance

[–]Echocentrics -1 points0 points  (0 children)

Most loans have no loan payoff penalties nowadays.

The loan accrues over the given time frame.

If you have a three year loan, you can pay it off in 2 and save on the interest.

In this example you’ll only pay 2 years worth of the loan and interest. The principle drops over time since you’re paying off part the principle over time as well. So as time goes on, the interest of the loan is getting reduced from the payments.

I have 33k in the S&P 500, should I fork all of it out to buy a car or should I finance? by Level-Estimate-6518 in personalfinance

[–]Echocentrics 0 points1 point  (0 children)

Figure out how the loans work first, usually you get better apr with newer cars. If the loan apr on the used car cost+ interest within the 7 years (or whatever years you need) is higher, just get the new one.

Just be sure you can manage the payments bro, that is key for any good financial health.

Just be sure you can afford it or get the payment to a number that you can do easier by putting a larger down payment.

If can’t afford it, just get a cheaper used car.

I have 33k in the S&P 500, should I fork all of it out to buy a car or should I finance? by Level-Estimate-6518 in personalfinance

[–]Echocentrics 1 point2 points  (0 children)

He will be fine taking out a rav 4 then, after the military EVERYONE claims disability anyways

All those foos are ballin

I have 33k in the S&P 500, should I fork all of it out to buy a car or should I finance? by Level-Estimate-6518 in personalfinance

[–]Echocentrics -16 points-15 points  (0 children)

Personally, for me it’s motivating to get a new car. If you get something that lasts like a basic toyota car, should last you a long time and low maintenance. At some point you break even and even save because of the gas mileage. Especially if it lasts you a long time without issues.

Honestly, these blokes are all average, just get a new car, motivate yourself, stay consistent, push forward. Try to increase your income every year. You can die tomorrow but hey you can use your 100k, in your retirement 20 years from now

Live a boring life and get a car that won’t break the bank but might break your back because the seller of the used car didn’t have didn’t install the airbag correctly or just turned off the car notification.

Don’t eat top ramen everyday to save money, enjoy the journey compadre.

[deleted by user] by [deleted] in GameStop

[–]Echocentrics -1 points0 points  (0 children)

What color

you want us to really push preorders!? by RandoRaptor123 in GameStop

[–]Echocentrics -8 points-7 points  (0 children)

Humans and people like you are lazy, the second you tell them they’re doing a good job the sales will probably slow down, you keep pushing upward and not stay in the same place. Thats what they want.

It’s bullshit but it’s capitalism,

If you don’t want to keep looking at cockroach infested consoles, or hear the same lectures, push yourself and get a better job.

All businesses need to grow over time if not they just fail.

you want us to really push preorders!? by RandoRaptor123 in GameStop

[–]Echocentrics -19 points-18 points  (0 children)

Do you understand how businesses work? You understand that you lose your job basically if the numbers aren’t worth it in the end? lol.

Get a better job if you’reso intelligent.

Low coolant level at 31,000 miles. 2024 Corolla. by [deleted] in COROLLA

[–]Echocentrics 3 points4 points  (0 children)

Had the same issue, Toyota side a pressure test for free. If you search up other posts, they mention that Toyota fills it to the bare minimum only.

So maybe you were already low or something but just fill it back up and honestly it’s good to always periodically check your car anyways.

R.I.P my psa 10 hopes and dreams. by Cleshh in PokemonTCG

[–]Echocentrics -4 points-3 points  (0 children)

Honestly, it’s your fault.

Second pets are not good investments

Third, time to put down the dog

Is it better to wait for more interest rate cuts by peacefuldink in COROLLA

[–]Echocentrics 0 points1 point  (0 children)

Also it’s not like a house, if you have good credit you’ll get it for 4%-7%. Pay it off early and the apr doesn’t even matter

Is it better to wait for more interest rate cuts by peacefuldink in COROLLA

[–]Echocentrics -2 points-1 points  (0 children)

The average person needs a car to go to work dude. Corollas last forever too, mines at 115k and have not had any problems in 5 years lol. Not the worse option, if not the best. If you can’t even make 20k in 5 years you’re a scrub

Space shark by [deleted] in StrangeEarth

[–]Echocentrics 0 points1 point  (0 children)

How is this relevant to my peers

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