Advice that you later learned was BS?

Flywin Lannister

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A lot of lying and cheating people making crazy bank in sales, law, and finance completely removed from prison. Hell, every c-suite and director level guy ive ever met in corporate was heavy with lies and deceit , which is ironic because they would be the same ones demanding "integrity" from their subordinates.

Id argue the folks in the correctional system were just the stupid cheaters and liers.
Well said breh. This happens everyday in the tech world and corporate world.

Salesmen sell.

They sell things.
They sell a fantasy.
They sell.

Can't make bread without selling.

And plenty of fools are willing to buy in this world.
:manny:
 

africngiant

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“you got all the time in the world” leads to you not taking your life seriously and others getting a head start on you.

there’s a lot of opportunities you can miss out on young if you dont take initiative and it will have a domino effect on your self esteem because you didn’t achieve what you wanted. you should’ve planted those seeds earlier
 

ItsPeople

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So u expect people with little to no money saved to wait years to get a car?

And people with good credit can get a 6% interest loan in todyas economy which isnt 2/3 of the cars value. No one buys cars for value because they depreciate the moment they leave the lot. They buy them because they need to commute

But you said most Americans don’t have 1000$ saved.

Which means they are putting ZERO down, deferring maintenance and praying to god that shyt don’t break down because on top not being able to afford repairs, they also have to deal with a car note.

My point? Buy what you can AFFORD and don’t stretch yourself thin so much so that you can’t afford your cars upkeep.

Better to have something you own outright that’s broken down then something that’s broken down that you’re still making payments on.
 

Bboystyle

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But you said most Americans don’t have 1000$ saved.

Which means they are putting ZERO down, deferring maintenance and praying to god that shyt don’t break down because on top not being able to afford repairs, they also have to deal with a car note.

My point? Buy what you can AFFORD and don’t stretch yourself thin so much so that you can’t afford your cars upkeep.

Better to have something you own outright that’s broken down then something that’s broken down that you’re still making payments on.
People can save but they choose to spend. That doesnt mean they cant get more money to save and put on a down payment. Down payments wont effect the interest so u can put zero down if your credit allows it. A new car has warranties so any issues its covered. Most new cars are covered for the entire contract. Mainteance is affordable for anyone unless u getting a luxurious car. So i dont get the whole defer maintenance comment u made.

Ofc if u cant afford a car note u shouldnt be getting a car. Thats common sense.
 

ItsPeople

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People can save but they choose to spend. That doesnt mean they cant get more money to save and put on a down payment. Down payments wont effect the interest so u can put zero down if your credit allows it. A new car has warranties so any issues its covered. Most new cars are covered for the entire contract. Mainteance is affordable for anyone unless u getting a luxurious car. So i dont get the whole defer maintenance comment u made.

Ofc if u cant afford a car note u shouldnt be getting a car. Thats common sense.

It’s what I’ve initially said :comeon:


Not only are you giving shytty advice you have not clue what you’re talking about and I suspect you’re a hit dog hollering.

Where you learn economics at where down payments don’t affect interest?

Now you’re saying people should put zero down on new cars, are you dense or you just want to argue?

You’re telling people with not even $1000 saved up to put zero down on a new car if their credit allows. You think it’s sound financial advice to put zero down?? and then you said maintenance is affordable for everyone. Not if you have dust sitting in your bank account it ain’t. Come back to earth nicca.

These people will be stretching the hell out those paycheques

:mjlol:

That’s the problem nowadays. People not driving with in their means. They are trying to build their income around their cars instead of their cars around their income.
 

Bboystyle

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It’s what I’ve initially said :comeon:


Not only are you giving shytty advice you have not clue what you’re talking about and I suspect you’re a hit dog hollering.

Where you learn economics at where down payments don’t affect interest?

Now you’re saying people should put zero down on new cars, are you dense or you just want to argue?

You’re telling people with not even $1000 saved up to put zero down on a new car if their credit allows. You think it’s sound financial advice to put zero down?? and then you said maintenance is affordable for everyone. Not if you have dust sitting in your bank account it ain’t. Come back to earth nicca.

These people will be stretching the hell out those paycheques

:mjlol:

That’s the problem nowadays. People not driving with in their means. They are trying to build their income around their cars instead of their cars around their income.
you clearly lack experience in the real world. Savings doesnt equate to what someone can spend or make dummy. I put zero down on my 2024 N line and only pay $470 a month with 5.5% interest because of my credit score idiot. People who need to put down big payments because they interest rates suck do to their credit worthiness so the price of the total car needs to go down as well to get a decent interest rate. I clearly said and used a sample of someone with good credit. and someone with good credit doesnt need to put shyt down to get a good interest rate. Learn to read bozo.

How much do u think maintenance is? I already debunk your dumb ass statement about people needing to have money for repairs on a new car so this gonna be interesting on how much you think maintenance will cost someone on a brand new car every 4 to 6 months :dead:


this nikka lost and probably paid off a dusty ass used car after going into collections and dont have a car note and think he knows everything :mjlol:


You only know what your experience and clearly u have a shyt credit profile. Step your game up lil man
 
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ItsPeople

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You calling someone lil nicca and put zero down driving on a Hyundai?

You’re a fukking moron. People put downpayments on cars for the same reason they put downpayments on their house. They want to pay as least interest as possible but with your shytty financial literacy I know you’re an apartment dweller paying on a Hyundai for the next 7 years, with that shytty as theta 2 GDI engine that’s going to grenade in 36months. fukking dumbass clown.
 

Bboystyle

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You calling someone lil nicca and put zero down driving on a Hyundai?

You’re a fukking moron. People put downpayments on cars for the same reason they put downpayments on their house. They want to pay as least interest as possible but with your shytty financial literacy I know you’re an apartment dweller paying on a Hyundai for the next 7 years, with that shytty as theta 2 GDI engine that’s going to grenade in 36months. fukking dumbass clown.
look at this broke bum crying yall :mjlol:

bu bu but dont get a car note and end up in collections like me :damn:



idiot so brain dead he doesnt realize that 5.5% interest in todays economy is great :pachaha:

u truly can tell who has their shyt together and who doesnt. This crusty ass nikka was talking about repairs and maintenance costs on new cars. cant make this shyt up if i tried :dead:

go back to browsing carvana lil dusty ass nikka :hhh:

there's a reason why your initial post go zero daps :umad:
 
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