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1. Preamble

However, if you are about to retire than it is not so good unless you have a assets that will support your retirement. Like you said should be able to pay off the 58K in a year if you cut down your spending. The problem seems like it is your family spending habit that keep you in debt. Cars has always been my love. This year, I have curbed my spending but I just free like I want sell the car and get a fresh start. Even if I sell this car, I still have one great car and a commute car. I am considering to buy an old 05 Lexus LS around 9k to replace this vehicle and make it as my commute car.

Give me current commute car to my son when he is ready to drive in few months. I wish I follow this rule sooner. I would said I enjoy my life way too much and seems to be always in debt. I have an Audi S7 which I brought used last year for 44k. I have been thinking of selling to get out of being always in debt.

I also brought my wife a lexus suv which will still owe about 25k. My wife and I have total income of k. I own about 15k on the Audi. I have a total debt of 58k with CC and Car and the mortgage. If I am frugal over the next year, I probably can paid off most of this debt.

So my question is, should I just get rid of the S7 and just take the loss?

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I had an internship on the West Coast about 5 years ago and was under 25 at the time. The car has only stranded me once, and that was a relatively easy fix the distributor.


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Parts for cars of that vintage are incredibly cheap and readily available and I do all of my own work on my vehicles lots of space and no fancy electronics make this relatively easy. I see friends who make much less drive far nicer vehicles, have issues with them, and trade them in at a loss while I still drive my same vehicle. Would never consider buying a new vehicle and having to take the immediate depreciation hit. I am not sure how dead of a post this is but I was looking to see how much I should spend on my car, obviously.

I am about to finance a 50k car. With this car payment, per year it is only AND I still save invest I am just trying to understand where this large chunk of spending is in your scenario. I agree with FS here. I know that next month or next year something else will come around that I want. All those fancy things the new cars are selling are not that expensive to add to any other vehicle.

This is a great article. The best car I gas ever owned to date was my Geo Metro 5 door. It was a 3 cylinder, 49 horsepower masterpiece. It cost me a mere dollars and got 45 miles a gallon regularly. It was dirt cheap to insure, dirt cheap to fix and downright fun To drive.

I will forever miss this car. It was fantastic. It really needs to account for how long you keep the car and then decide what percent of you income that costs you for the life of the car. It really should be what percent of you annual income every year you should spend on your car. Save up, pay cash, drive for 12 years. Invest that money you saved. Never underestimate the power of modern marketing and the Dark Side of the Force to separate you from your wallet. I think the recommendation is practicable with some caveats.

As many have mentioned, the rule will put lower income people into cars that are more likely to be unreliable. Above 6k or 7k and the car may last closer to a decade. Thanks for this important topic. New cars burn up money fast. Over the next couple of years, we need to be careful of cars with flood damage following two years of hurricanes. Those flood damaged cars could wind up being sold anywhere in the country.

Rust begets rust. Our that has been so incredibly reliable, etc. Because we paid 0. The difference in average yearly cost is simply the difference between buying a new car and buying a five year old car they are different models, of course, but the same brand and essentially the same style. I would buy, for example, a five year old BMW super reliability as well as comfort and driveability, with the idea of driving it for 20 years.

Other than that, I would look for a new style that people have been crazy about remember, you are buying 5 years old so that the car will look newer and fresher for longer. If you are in sales, especially in Real Estate or corporate sales, this is all terrible advice. You need the image of a new car and sharp clothes.

Sales people might be best served by leasing. I drive an old beater 98 civic that only has k miles on it and should last at least another k miles, or about 10 more years. Also my current yearly is about 45k after tax. How much do you drive and rely on your car? Do some research and find out what the average per-repair cost is for a year old Civic.

How have you done with preventative maintenance?

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At that age things like gaskets, seals, hoses, and some fittings need to be replaced, which can be expensive and potentially catastrophic. Is it a manual or an automatic? Honda autos tended to be troublesome, and again, potentially expensive for an older car.


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But also factor your time. Say you do have major issues — can you afford to be without your car for a week?

The question you have to answer is will that trouble cost you more in the long run than buying a great newish car that you could easily keep for years. First off thanks for the advice. Yeah repairs are definitely something to consider I have had repairs in the past involving oil leaks and hopefully that nightmare is all over with but you never know. Definitely consider safety as well. My previous car was a older Civic as well.

What would you recommend an individual do with all the extra money not spent on a car? Diversified investments? I can easily see young folks dedicating decades of their lives accumulating wealth only to realize later that they never got to do the things they wanted to do in life while their bodies were younger and more able. We drive it less than 5k miles a year so I think we should just repair it. That out of the way, this post is less about spending money on cars and more about you advertising you are not a car guy and see no value in them.

I drive an avalon now I am below your avalon income bracket. I wear the same kind of clothes, too. I remember having my VW in for service and driving a loaner base-model Golf. Tons of options. And if you take my message trying to earn more to get that fence your car, you will actually feel awesome to be able to afford such a nice car and have a nice income stream. Both followed my rule.

We bought our first new car, a Buick Enclave, when we were 43 years old. We waited until age 50 to buy our first luxury car, a new Tesla Model S. I think this is a great rule. We have been on a debt crushing crusade now for the last 4 years and have paid off everything 88k except for my school loans which will be paid off this year and then no more debt. Now, no more debt means no car loans.

My vehicle is a little Mazda 2 that cost us 8, that we paid for in cash.

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I have had it for 3 years no issues. Wonderful vehicle and we also bought it from a dealership. So not only do I think this rule is great but I also love the fact that you advocate purchasing the vehicle right out. When you do this, you get ride of the extra couple grand you would be spending on finance charges and probably the extended warranty since you are most likely purchasing a vehicle you can't afford and therefore can't afford to fix. When you purchase a vehicle in cash you make better money decisions and what I mean by that is you weigh your wants and needs.

I went from a SUV with leather heated seats and a sunroof and more perks to a Mazda 2 manual tranny that the only real feature is the electric doors and windows : When you have a set amount to use to purchase rather than a payment that might extend for 84 months!!!!