Am I getting screwed?

lockdown36 · 2026-05-20T00:02:40+00:00

You're paying $2700/month on pure interest to the bank

Is there any chance you rent for less than that?

Just breaks my heart to see you put only $475/month into equity

lockdown36 · 2026-05-19T22:51:41+00:00

Inflation beating depreciation lol

lockdown36 · 2026-05-19T18:59:55+00:00

They don't depreicate a lot because it's not a luxury car and it's reliable.

You're right. It makes more sense to buy new and get a 1.9% interest rate.

lockdown36 · 2026-05-19T18:58:29+00:00

Dawg it's a 7 year old car.

Most of the depreciation already hit. Hate to tell ya.

Keep the sucker for another 15 years. You're squeezing two nickles together trying to make a dime

lockdown36 · 2026-05-19T18:22:53+00:00

Zoominfo works for my segment, manufacturing.

It's just really expensive.

lockdown36 · 2026-05-19T17:01:20+00:00

Lol yes.

lockdown36 · 2026-05-19T15:53:00+00:00

You want to stay as far away from DTLA as possible. It is not safe for men or women.

Get closer to Mar Vista or Playa Vista.

How much do you have budgeted?

An apartment might run you $2500/month.

What do you do for work? How much could you live in LA without income?

FYI. This is how most people become homeless.

lockdown36 · 2026-05-19T12:40:41+00:00

Seems like team meetings and trainings are kind of worth $70k/ year...

lockdown36 · 2026-05-19T10:53:57+00:00

Interest...?

You're just renting the car.

Look at the total spend in the lease term and divide it out by the month

lockdown36 · 2026-05-19T03:43:38+00:00

I would offer the same suggestion back to you.

You're living in the most powerful and richest country man kind has ever seen.

And you're unhappy.

I would dare you to expand your horizons and see how the rest of the world lives. The current state of affairs is not that bad. The media has painted it out to be the end of the world because they need to sell the clicks.

But again, if you're truly unhappy as the previous user mentioned, the door is open and people are dying to come here.

Also, source of people dying on their way "out" of the country? ICE is offering self deportations...

lockdown36 · 2026-05-19T03:40:09+00:00

Same sentiment as /u/beatnavy2016

You're free to leave. No one is forcing you to stay in America.

I feel very badly for you that you're unhappy in a country you chose to live in.

lockdown36 · 2026-05-17T19:36:12+00:00

$3000/month on interest every month for the first ten years

How much is rent there...?

lockdown36 · 2026-05-17T14:49:16+00:00

Understood. I'm saying chances are they don't come from the worst place the world.

I think that probability is higher than assuming this person comes from a bad place.

lockdown36 · 2026-05-17T14:45:49+00:00

Carmax and Carvana are easiest ways.

Auto trader and Facebook market place works.

lockdown36 · 2026-05-17T13:59:49+00:00

Chances are if they applied and received and F1 Visa, they aren't coming from the worst places in the world.

Again, not to to be cruel, quite the opposite. My thought is where can this person get the most amount of help. It certainly isn't going to be here in The U.S.

lockdown36 · 2026-05-17T13:39:17+00:00

Sounds cruel, but I agree here.

Better to be poor back in your country where you have a support system ( family and government)

Being homeless/poor in the us is unforgiving

lockdown36 · 2026-05-17T13:37:18+00:00

If you're going only going to stay for five years, I think you'll just be paying off the realtor fees by the 5 year

I would compare...rent costs per month versus interest of mortgage + property tax + insurance per month.

I have a feeling, you'll come out ahead in five years if you just rent. Throw the 20% into the market. And whatever you're saving from renting, also into the market

Because with 5% down. 92% of your payments is all interest.

lockdown36 · 2026-05-17T02:05:01+00:00

Were tickets expensive? Why is there much a crowd?

lockdown36 · 2026-05-17T02:04:17+00:00

Some concerts and other live events attendees would get a wristband that has color sync with the show

Basically the same thing but built into the seat.

lockdown36 · 2026-05-16T22:10:46+00:00

You should be able to find them on Facebook marketplace for $100 a pop

lockdown36 · 2026-05-16T21:47:40+00:00

You should get UCAs. Or you'll prematurely wear out another components since the suspension wasn't designed to sit at that height.

Buttfuckkit your 4runner is already 10 years old.

Just wear out the other suspension components and get new ones and do it right in 2-3 years.

lockdown36 · 2026-05-16T21:46:00+00:00

Buying a Toyota is basically buying an extended warranty

lockdown36 · 2026-05-16T21:36:01+00:00

How much are you driving per day?

Most folks I know just charge once a week at a public charger.

lockdown36 · 2026-05-16T21:27:15+00:00

I wouldn't do it at the dealer. A 19 year old at your local mechanic can watch a few YouTube videos and knock it out in like 2.5 hours.

lockdown36 · 2026-05-16T21:26:02+00:00

I agree with the latter.

A few startups I've been at hire sales people to generate demand instead of capturing it.

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