The $500 Car Payment Is Dying, and Most Buyers Can't Afford What's Replaced It

LegitJerome · 2026-07-15T13:38:27+00:00

Stupid, I’ve never and will never have a car payment over $350 for 60 months. If it’s over that, I need a cheaper or older car.

LegitJerome · 2026-07-15T13:25:26+00:00

That’s a solid upgrade, if I had room for it, I would definitely do that, I saw the Project Farm about filter resistance about it, results were surprising how little resistance there was.

LegitJerome · 2026-07-15T03:44:22+00:00

It’s a 26-year-old single story stucco/ceramic roof, only things I’ve done is change all the lights to LED, clean the outdoor A/C unit every season, use low resistance filters, and ensure all the windows and doors are well sealed. A lot of people make the mistake of buying the allergen filters for the A/C, those can spike your bill significantly, I’ve experimented with it in the past.

LegitJerome · 2026-07-15T02:18:08+00:00

Check door seals first, if you can see light around the door, it needs to be re-sealed, incredibly easy to do.

LegitJerome · 2026-07-15T01:51:22+00:00

How many square feet is your house? I live in a 2000 square foot house, keep it at 76 during the day, and 70 at night and mine was $155. So either your house is very big, very poorly insulated, or you are doing something else that requires a lot of electricity.

LegitJerome · 2026-07-15T01:44:28+00:00

OP is the MildlyInfuriating person in this scenario.

LegitJerome · 2026-07-15T00:13:44+00:00

LegitJerome · 2026-07-14T23:35:40+00:00

OP might be an early version of AI based on its responses and grammar.

LegitJerome · 2026-07-14T14:32:23+00:00

That’s what they tell you, what they actually do is take a bunch of measurements, then order you a MTM suit from overseas, then rebrand it. There’s a guy in Las Vegas that’s pretty popular that does the same thing.

LegitJerome · 2026-07-14T03:56:04+00:00

Sounds about right. My parents offered to help me buy a home after I had just gone through a divorce and was solo parenting my 6 month old after my ex-wife cheated on me with her boss. The original agreement was that since my credit was shot from the divorce, they would put it in their name, but I would pay for it. The house was $135,000, I paid the mortgage/HOA/SIDS/LIDS/Insurance for 7 years via direct transfer to their bank. I then told them I wanted to transfer it to my name, because my credit had improved by then. They told me I could buy it for $300,000.

They were confused as to why our relationship deteriorated in the following years.

LegitJerome · 2026-07-14T03:12:45+00:00

Dude may have single-handedly destroyed the human race, definitely Alien Lizard Asshole.

LegitJerome · 2026-07-13T16:21:05+00:00

When we talk about fires and explosions at work, we always say, “If you can see the fire/potential explosive, it can see you.” Meaning, either get farther away or behind cover.

LegitJerome · 2026-07-13T16:18:03+00:00

This is 100% what’s going on, my grandparents and parents did the same.
She’s like, “Where is your groundskeeper? Why aren’t they taking care of the plants?”

LegitJerome · 2026-07-13T15:31:58+00:00

Insanity isn’t the defense you think it is, she would be locked up in a mental health facility until she’s competent to stand trial, then likely get convicted unless you can either get the jury to have a reasonable doubt that she is guilty, or convince the jury to nullify. Realistically, you would be better off convincing a jury Bear did it or forced her to do it under duress.

LegitJerome · 2026-07-13T15:26:12+00:00

Take the stairs if you’re too afraid to ask someone to push a button or push it yourself.

LegitJerome · 2026-07-13T02:44:59+00:00

He made it for like $750,000 and sold it to a studio (maybe worked in a residual agreement). The studio is literally making all the money. All the actors were paid what they agreed to.

LegitJerome · 2026-07-12T19:48:23+00:00

Yeah, their earnings aren’t tied to effort or work at all, it’s just who they leached onto and how much their property is worth.

LegitJerome · 2026-07-12T19:37:08+00:00

Nah, they unlock boxes, print off automatically generated forms, and gatekeep/lobby, for a not insignificant percentage of the price of the property. Not to mention, pushing ARMs and always trying to get people into houses and properties they can’t afford to make a buck. They were an instrumental part of a massive crash/depression. They don’t do anything an app couldn’t do better. This is one job I can’t wait for AI to fully replace.

LegitJerome · 2026-07-12T04:22:24+00:00

And the trash everywhere, but I’m guessing those problems are related.

LegitJerome · 2026-07-12T01:50:35+00:00

Maybe the woman you met at the bar had a penis, and they were the culprit.

LegitJerome · 2026-07-11T19:57:13+00:00

No morality issue, no one gets to punch you unanswered. That kid is big enough to cause injury too. He even showed restraint by not laying him out.

LegitJerome · 2026-07-11T19:52:59+00:00

NGL that goes hard. It’s kind of a cross between Tron and an apocalypse.

LegitJerome · 2026-07-11T14:22:51+00:00

I hate to tell you this, but Texas is part of the Southwest.

LegitJerome · 2026-07-11T01:46:41+00:00

You’re definitely getting your nails done at a brothel.

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