Not a good theft deterrent though.

Just get an Old Lady. That works.

Exactly, I care about everything happening right now but I also need a distraction sometimes.

I’ll preface all this by saying that it’s pretty hard to give a shit about cars right now!

Yeah but then the cars are always whining about it. 

Let me get this straight, your friends told you about bad experiences they had circa 2005 so you decided to avoid the company for 20 years? Do you not see the flaw in this logic? I think you should stick to 1994 Toyota Celicas, Scotty.

I hope you do take a look. Our 2012 TDI wagon was flawless through 6 years and 143,000 miles until they bought it back. My 2016 GTI has been bulletproof through 66,000 miles and probably 20 autocross and track days. VW interiors are very, very nice. And their infotainment is seamless, CarPlay works so well. My wife’s…

If you are that strategic with your finances this article doesn’t apply to you. It more applies to the millions of Amercians that finance their car at 100% loan to value or more and/or are rolling over negative equity into a loan.

I’d argue the flip: bootstrap is a bad philosophy for the masses but is the ONLY workable advice for the sole person. The serenity prayer is basically “bootstrap”. Accept the rules as they are, and get to work on what you can control. Eventually the rules will bend to help everyone, but in the meanwhile the bootstrap…

No, I’m not superior. That’s the fucking point. Anyone can do it.

I grew up with thrifty shopper clothes. Kmart was splurging for us. I’m familiar with being fucking poor. I started working at 12. I started as a laborer for a construction company at 20, I busted my ass and made foreman a few years later.

So you’re proof that hard work pays off then. I was dumped into the workforce just before that same recession, bought my first house just before the crash. I was smart, though, only spent half of what the bank had approved me for. Had I extended myself as far as the bank would have let me, and bought the house I…

Quite the thoughtful response, Bradley. I grew up poor. Started working at 12, busted my ass, made mistakes along the way. I owned my mistakes and learned from them. Now, I’m pretty fucking comfortable.

Skip the booze, scratchers, and smokes for a bit. Back when I was 14 working the grocery store in my podunk town nearly every person paying with WIC checks seemed to have enough cash to buy a couple cartons of smokes, a couple 30 racks, and $20-50 in scratchers at least every week.

I’m not saying they’re bad people, I’m saying they’re financially stupid and hurting themselves. With the Accord costing her $300 everytime she goes to the dealer she’s probably going 4 times a year which costs her $1200/year. The 2017 Fit isn’t fancy but it’s probably costing $300/month plus an extra $50 or so in…

I grew up fucking poor. I stayed in school. Didn’t knock anyone up. Worked my ass off. Now, even if I did lose my job, I’d probably be fine for at least 3 months with no income, much longer with the current unemployment payouts.

Say it with me:
PEOPLE WHO ARE LIVING PAYCHECK TO PAYCHECK HAVE NO BUSINESS BORROWING MONEY IN THE FIRST PLACE! In fact, they probably wouldn’t be living paycheck to paycheck if they hadn’t borrowed money to buy stuff they couldn’t afford, to impress people they don’t like, in the first place!

Everybody has made stupid…

Not entirely tone deaf. Don’t want to ignore the plight of the people living paycheck to paycheck but they make some stupid decisions. We all make stupid decisions, but when you’re poor you can’t afford to stupid things. This manifests in buying too expensive of a car in general, buying a car for the brand name that…

Dude, if you’re living paycheck to paycheck and need a subprime loan, you have no business buying anything more than a beater for a couple grand. Tons of these subprime loans are for vehicles that are way more expensive than what the person actually needs to get by. And so they’re stupidly paying tons or interest and…

BANKS HATE THIS ONE WEIRD TRICK...