"Repossessions Are Exploding..." Consumers Say Car Payments Too High, Anton Gives Money Master Class
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- Опубликовано: 19 июн 2024
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Some one crown this man i just did this with my 401k today
On this episode of “ Car Payments? Naw , that’s a house payment!”. On the next episode of “ Where’s your dad ?”, if you had a father who had an ounce of common sense ( you wouldn’t be the subject of Anton’s rants ). The average car payment is $700 a month ( some even $1000 a month). Here’s the formula that you use when purchasing a vehicle. #1. How far away is your job ? The further away your job is the more reliable of a vehicle you will need. Over 20 miles. #2 A used vehicle is NEW to you ( new car smell spray can be purchased at any auto parts store). #3 Where is your dad? Find him and apologize for listening to your mother ( because you have a $700 + car payment. #4 Bus drivers are the coolest people on earth ( Especially in Rochester,New York) . Leave the driving to the professionals. Where else can you get chauffeured to work in vehicle that cost over $450,000 . A city bus ride is a perfect first date . ( $1 will let you know what type of females you are dealing with. Hint new minted female immigrants don’t mind riding the bus ! A you don’t need a passport that to your cities “ Sanctuary City “ status of your city. Democrats are like that Gieco commercial “ all way saving you money “ on becoming a Passport Bro !”.
Its not just the car payments IT'S THE GAWDDAMIT INSURANCE!!!! NO ONE TALKING ABOUT THEM JACKING UP THE INSURANCE!!!
This is facts all day!! My car insurance went up $60 this month. I started shopping for cheaper insurance and what I’m paying now $220 is the cheapest with full coverage.
I was just talking to someone that is in the car body repair business and part of the issue with car insurance going up as a whole the last couple of years is the fact like everything else going up in price is the price of car body parts and repair. Sadly the average man's working salary isn't rising along with everything else to keep pace.
@@michaelb.8953 oh okay. That makes sense. I was wondering why a lot of my family members, including myself received an increase in car insurance this year
My wife insurance went up $60 extra a month and all they said was it’s cause of the car make and model. We have no tickets or accidents either and they charging her $200 a month when she was paying $140 these ppl are scammers
It’s partly due to the ambulance chasers helping ppl file claims
I only pay cash for a car no credit anymore I made that mistake one time never again.
Me too.
Me 3
And yall drive shit boxes 😆its really smart doe 😅👍🏼
@@nhlba3301 I'll meet you at the spot just a lot cheaper for me though 😂😂
I mean if you have the cash, you can avoid interest and maybe buy it for less since the money is immediate. Best choice tbh
Went to a Toyota dealership a week ago with the intention of buying the 2025 camry xse they wanted $936/m lease and $850/m financed with having a 740 credit score I got back inside of my Nissan and went on about my day 💯💯
😮
OMG! That's insane. I don't think good credit means much anymore because I have good credit and these interest rates are still high. I think the smartest thing people can do is pay off debt, if they have it or don't create any debt. Democrats ate destroying the country with their policies.
The monthly lease payment was more than financing?!!!! You would have been a stupid fool to bite on either one of those two prices, good on you. I would have been insulted if they thought I was the type of person to accept either one of those terms. That lease payment was almost $1,000 a month for something that isn't yours and you have give back to the dealer after 3 years. Dealers are working hard at keeping their covid era paychecks rolling in as they are having a hard accepting that their heyday's are over with.
Wanted? U knew how much it was before u walked in 😂😊
@@BeastMode19799 I was there for an hour and a half, that’s how much they wanted 💯
These dealerships and car companies are unbelievable. They are hiding cars on different lots because of over supply and still trying to get people to buy overpriced cars. What a racket.
Facts!! I went to dodge to get my oil changed and dude was trying to sell me a 85k car. I was like, come on. Do you really I’m here to finance a car for that amount. I’m just getting an oil change. But I get it, you have a job to do
True. I saw the over flow of cars at train shipping ports and stations. 😇
Right now the average chain car dealership, you know like Ford, Chevy,Dodge. Can’t sell. There’s not enough people buying and they’re getting behind on their floor. Plan interest. If you can wait till next summer by then, we should see a sizable crash in the auto market. Provided the government doesn’t bail him out again. I went by the local Ford dealer the other night and they have no more room on their lot. They’ve got cars just jammed all over that lot.
I don't think the problem is " everyone needs a car ." the problem is everyone needs a new or last year's model car... When my 2005 Jeep konked out last year.. I bought a fully loaded 2014 Mazda with 60K miles on it...eff a car payment!
Nope. Any car financed you getting shafted. I have bad credit but great income. Doing 100k at 28. I don’t even pay rent.
They gave me a used 2018 Nissan for $684 a month. The car has 30k miles.
They basically financed me this used car at $30k. That $30k would’ve got a brand new Nissan 😅
I drove the car around for a year and waited for a repo
This is such a smart money move that people overlook you can go ahead and get a five or even a 10 year old car that has new features if you just buy it fully loaded it doesn't have to be brand new to feel new kudos to you for making a very wise decision
@@Dantee.15 Why would you take a overpriced, subprime loan on a used car when you’re making 100k with 0 rent?
You wasted money and blitzed your credit further with that repo.
Just buy a used Toyota for 6-8k and run it for decades. By the time it won’t run anymore you should be able to pay cash for any car you want.
@@Dantee.15someone “gave” you a car🤔
What are you going to do when that car dies?
I work with a young guy who just signed up for a $900 car payment. I asked him did he look at insurance, maintenance, and gas? He was like “Oh”.
My dodge SRT got stolen my insurance gave me 44k back I paid off the balance for the car and with the remaining 27k I brought a 2023 Honda accord paid off with title. And now I have no car payment. My SRT was $610 a month and a 2.29% interest rate. But now I’m free
Good for you my friend
What that insurance look like now though lmao??
Gap insurance saved me from paying on a car that got stolen after insurance coverage.
16 more payments I see the light at the end of the tunnel Lord Willing!
I know how you feel I'm almost there got new car for 29000 dallors years ago 6000 more to go after that never buying new car again learned my lesson.
Yeah we rolling with our Prius…. no car payments… I sleep well at night.😊
Facts! And it’s good on gas
People buy cars well beyond their means. Period
That's not true. Used cars are overpriced, insurance, maintenance, and gas is significantly higher
@@TheTillmanSneakerReview
You just proved his point...
If it is overpriced. It is out of your means. If you cannot afford the insurance with it, it is out of your means.
If you can't afford a bus pass, then the bus is out of your means‼️
Exactly. Thank you. Beyond your means simply stated is 100% dependent on what you can afford. That is 100% on the person making the purchase and them only.
@@jwill6008 It proves nothing, as everything is relative. The cars some people can't afford another person can buy with a day's salary. There's an American that would cherish a cheap unlimited bus pass. Yet, in rural Mississippi there are no busses or public transportation in the entire state. What I'm saying is that location, market constraints, and demand dictate how broke people move. In rural areas, a car is a necessity. "Out of one's means" doesn't apply when there's only one mean.
@@TheTillmanSneakerReview
Re-read his comment. Then read your comment. Then read mine. Again, you are proving his point. Overpriced is relative. Significant is relative. High is relative. Relative to your pockets, you may be out of your means
I thank God I don’t have car payment
I'm still driving my 2014 Chevy Malibu 122,00 miles paid in Full 😂🎉😂😂
Most people just gotta go get a used car for 10-15k and sit down somewhere!
That's what I did. Bought a 2 year old Toyota Corolla with 30,000 miles. Paid $22,000 cash out the door and got it from car rental place wiyh warranty still on there. I'm in the Bay Area and the prices here have really gone up, EVEN FOR USED CARS. My car was one of the cheapest on the lot for mileage.
Still way too much. 4 wheel isn't worth that much. I spend that on my dream car.
So true! I got a 2020 Nissan Sentra SR on Copart CASH with 35k miles on it.The only thing I fixed was the right fender, oil change and air filter. I’m also the second owner.
You can get a good used car for half that. 5-8k
i am glad i just paid my near $700 monthly car note off!
Same! Mine was close to $600. Then, they dropped my credit score. Fucking bastards!
Wow.
What kind of vehicle did you have
I do not have anything fancy, but my Impala is paid off
👍🏾👍🏾👍🏾
AMEN 🙏
Keep the Impala and keep up the maintenance. Drive it until it drops and save the saved car loan payments.
My main car, a 98 Buick LeSabre Limited has been paid off for years. The maintenance is low because I constantly take care of it and keep it maintained. People always buying new vehicles be killing me, especially after they almost paid off the vehicle they had! To me, it's like having a house. If when you start having issues with your house, which is paid off, do you fix the issues (plumbing, electrical, roof, etc.), or do you sell and buy another house because you're too lazy to do the maintenance? I guess some people haven't learned the hard way yet. 🤦
I can sum up this problem in one sentence. "People are living way above their income level" Stop trying to impress your family, your friends, etc. with your material possessions. I'm almost 80 years old, I'm still in my ''starter" home, I still drive a VW Beetle and you know what? I watch everybody I know, crash and burn with their McMansions they didn't need in the first place, I've watched them trying to impress me with their BMW's or Mercedes. I've had people actually laugh in my face because I'm simply not into material things, never have been. I don't owe anybody a thin dime, haven't had a mortgage in many, many years, no car payments. I've done upgrades on my house, have a nice swimming pool, a beautiful backyard full of trees and flowers I planted. I spend my time on my terrace, listening to my jazz. I've traveled the world. I'm a widow now, worked all my life and I'm financially stable and would be if I lived to be 150 years old. That's a better feeling then a giant house and expensive car. My father told me when I was about 10 years old "Always live within your income, don't try to be somebody that your not, and you'll make it through life just fine." You know what, he was right and if I had it to do over again, I would live the same life.
You are so right. My dad taught his 10 girls " Don't look at what people have because you don't know what they doing to keep it."
He owned a gas station and he said his best customers were the guys who drove simple cars. The ones driving fancy cars always wants gas on credit.
Between you and Dave Ramsey. Yall keep me in check financially
Me chilling with 150 a month car payment. Hoping to pay it off be October, just got my car in May.
That's a blessing.
I spend $700 a month on ALL my transportation costs. Car note, gas, maintenance, Ubers, everything. Paying off my car a year early too!
Here comes the 10 year car loan terms!
Already here, dear.
He said “debt is like trying to climb a mountain with bricks in your backpack” 🗣️
Bro, I know guys here in Atlanta that pay $1,600 - $1,700 a month for them POS Dodge Chargers and Challengers just to make loud noise from stop light to stop light and to do donuts in public parking lots...And the only people you see behind the wheel in those junk Dodge cars is us!!
I said this before generational wealth is passing down the knowledge and the mindset to your kids
The big problem is too many people are fronting. Trying to impress other people with big expensive suvs knowing the monthly payments are going to be challenging. Don't factor in insurance and upkeep of the vehicle. Too much showing off when they don't have it like that.
Not just car payments. Car insurance and car parts (tires, dealer parts, etc) are outrageous.
I had my car phase when i was younger..new cars .rims..speakers all that..man i spent so money on all that its not even funny...and honestly i spent more.time at work making more money to be drained it...social life was non existent...now give me pre owned cash car..im good...i dont ever want a car note again..
I bought a a new car in 2008. I had a $180.00 car payment for 4 years. I was pissed at myself for doing that! I drive the same car today....
People are financing car notes for 72 & 84 months and still pay $700 a month.
Learn the difference between car payments, car prices, and car cost.
Buying a used car with 30,000-50,000 miles financing for 72-84 months, car basically doesn’t even work by the end of the loan. Car has 150,000 - 200,000 miles on it and those people cannot afford the significant maintenance with the payment. Just driving until the wheels fall off literally.
Without a doubt, this year will be worse than the last. I lost a lot of money last year as a result of bad investment choices that I would not have made if I hadn't been so worried about my portfolio. I kept investing, but I couldn't determine whether to start paying for a house. In the end, I sold my positions, and the house needed more work than I had planned. I'm not sure how long I can keep going like this.
We've all made mistakes at some point. You should consider financial planning
True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.
Do you mind sharing your financial planner?
Leah Foster Alderman
You are most likely to find more info when you look her up.
I'm a truck driver make around 70k a year and get waxed by taxes and social security.tired living check to check I'm joining the paetreon
Only Buy what can you afford and I don't mean the monthly car payment!
This is exactly why I have no car note, don't eat out, don't take trips, live in a house with the mortgage below 1k a month and put majority of my money into either my retirement accounts or my 3 brokerage accounts. I love not having to live paycheck to paycheck. 😊
Do you read by candlelight too?
This is why 20,000 car dealerships got hacked yesterday
No it’s not.
I recently got approved for a last call challenger or charger , the dealer said but the bad news your note will be $975 I said you a damn lie. I said give me that 15 grand Cherokee 3 year deal $400 a month smdh crazy as hell
My car is 11 years old, she isn't the prettiest anymore, but she's paid for.
I've put about 1k in her this year for new brakes and oil change and front door actuator (the heater broke) and an exhaust leak, but seeing some people having 1k a month car payments, making all these little fixes seem more bareable.
And that 1k payment doesnt even include gas or insurance payments!
I can't imagine.
Im.going drive my girl until she absolutly refuses.
Bought my Nissan Rogue sport at the tail end of 2019, paid it off two years later and have the title 🙌🏾. Driving until it dies
Still driving my 13 year old car-- $0.00 per month payment
*Watching this video, a truck commercial comes on😂
We made a conscious decision to put a down payment and have a $520 monthly payment. No one forced us. We are also deciding not to pay it off all at once. People definitely need to think in advance if they can afford the car in case they lose their job, if they have an emergency fund to cover anything that needs to be fixed, etc.
I got a 2020 Nissan Sentra SR on Copart CASH with 35k miles on it.The only thing I fixed was the right fender, oil change and air filter, the car looks brand new, reliable, no car payment and title in hand.
Some people are really dumb when it comes to buying cars. Just buy a cheaper car in your budget. I make 90k a yr the only debt I have is my car. I didn’t go buy a house 40k car, I bought a 2016 Mazda6 for $11k with one owner and great maintenance records. My payments $210 but I pay $310. It will be paid off in less than 3 years. What do I need a 2024 for? I went to a private owner, got a pre approval from my bank for the amount and it’s done.instead of giving the dealership 2k down I put it towards the principle.
My ex just got a new car. Around 750 per month for 72 months. She also has 7 💳 credit cards.
I can’t breathe thinking about that 😩
And her latest ex is paying the note. A super simp.
@@Cosmo4357-mj1tw wow!!!
@@Cosmo4357-mj1tw Some men have to be taken through the ringer to finally learn their lesson. Education costs. 😊
@@Cosmo4357-mj1tw Be glad it's not you!
Don't buy the cars if the payments or purchase price is to high. or unaffordable And always take someone with you if you believe you want to purchase a vehicle.
*The vehicle insurance alone (specially in NY/CA/NJ) will destroy you. Let alone some kind of giant car payment.
One of the big differences between buy a house as opposed to a car, is that a car loses value the moment that you drive it off the lot, while real estate can go up in value
As an high end euro automotive technician I buy cars with cash and the ones ppl can’t fix makes it even easier for me😁. Did a car note once and never again. #nocarpaymentgang🤙🏾🤙🏾
Wealth is a mindset!!!
Been too many cars in the ghetto far too long…if you can’t afford it put it down…the era of fake it till you make it is OVER….
Another reason why I don't live in America full time it's designed so that you have to have a car equals payments and insurance. I live in Phillipines parttime , tricycle 30cent / jeepney 30 to 50cents or motorscooter to rent or buy. Rent 2 bedrooms $330 a month 10 min from the beach ⛱️. I don't care what people say about me in the comments I'm really living the American Dream.
My car went down for a while and I was stuck with Uber and Lyft spent about 1-200 weekly on ride share. So either get a high car note, spend ridiculous amounts on ride share, or lose your job
I own a 2011 Nissan, no payment all cash for like 5 grand. Thank you to my parents to giving me a grounded foundation to make wise decisions 😊
Main problem is corporate greed, second is people still paying these ridiculous monthly payments.
Now you understand CARJACKING!!
Some Credit Unions are offering 120 month terms which us wild AF. 10 year car note. SMH!!!!!
People also have to understand that the same vehicle has doubled in price. In 2020, a basic Ford F-150 XL was $29k brand new. Same truck in 2024 is $45k. Also not to mention that Auto Insurance has increased too. Most people are paying $250-$300 per month on average for car insurance. Ridiculous to say the least
My insurance for a USED 2019 Hyundai went from $500 to over $1k in a year. I had to dump that car ASAP. This was during the stupid Hyundai/Kia shenanigans.
Damn my mortgage isn't $760 a month and I'm living in a 4 bedroom 2 bathroom ranch house with a attached garage and a deck in the back, and my home is around 1,200 square feet and I have Central Air.😂
12x12 deck also
Time is money no matter if it’s a job or hustle.
Ppl r so stupid! I recently bought a brand new, never driven before, 2024 Toyota Corolla SE Hybrid & it costs me just 5% of my annual income. It's a game changer & I've never been so happy w a smart decision
Glad I paid cash for my truck. When I signed the paperwork at the dealership, I asked how much people pay for a similar truck, he told me he's seen an average of 1300 a month. We usually keep our vehicles at least 10 to 12 years too.
"Living large on little money" and not willing to "Act your wage"
I will continue to drive my Corolla til the wheels fall off
Appreciate that knowledge big homie! 💪🏿
They increasing the months for phones too
I don’t see the issue with phones because most phone companies don’t charge you interest. So instead of paying $1k upfront you can put that money in a 2 year cd and make more money
I learned my lesson back in 2018 I financed a new car for 464 a month and I thought that was rough on me and I’ve been working 2 jobs ever since a lesson well learned let me find out yall pay $700-900 in payments that’s mind blowing
$793 to $760? That’s good news? You mean $793 to $400 is good news!
I still have my 1999 Toyota Tacoma, extended cab, and a V6 manual. There is no way I'm getting rid of that truck because I haven't killed the motor yet. Plus, I need the bed of the truck to carry stuff, after all, I own rental property.
I appreciate the video Anton, felt like you were talking directly to me. Thanks for the breaking it down for C students!
I cannot see paying that for a car
Instead of buying an inexpensive car or a used cheap car some go out and buy that BMW, Audie, Escalade, etc., etc. when all you need is transportation to get from point A to point B. The dealer knows you are a sucker the minute you answer that question of how much you can afford to pay per month. Some don't know how the payments are calculated or that most of the extras offered aren't needed but only pad the pockets of the dealership and increase the monthly. If you can't pay for a car in 4 years or less, it's too expensive. Tip: If you have to buy that car, take your lap top or tablet with you and have your loan calculator ready to put the dealers numbers in. Also read that contract before you sign to insure that the dealer didn't put an additional cost into the contract that you didn't agree to. Take the time and don't be in a hurry to get out of that seat. Once you sign those payments are yours.
Dealerships are everywhere and they are making more locations… our addiction to status through cars ain’t going anywhere
This is true
it’s not how much you make, but how much you keep ✌️
Good looking out I’m signing up for Patreon now. This is real value.
I need a car. A longevity car. Low maintenance. My round trip commute to work is 3 hours. I live in Northern California. Cheap bucket car will not work for California commute for career individuals. Wish they made $10k cars that got a solid 10 to 15 years of driving without no major issues
Get a honda or toyota
It’s called a Honda, Toyota/Lexus
@@AntonioClifton Even used Hondas and Toyotas are high as well. They selling 04s for over $10k and you still have to put money into them and fix them up.
😂JOIN THE SYSTEM AND PAY
Lexus, Toyota, Honda
I agree with everything stated except lots of people are defaulting early into the payment cycle nowadays so banks aren't making money like they use to.
Dealers should be required to post actual cost of ownership. For example the total cost if you finance for X amount of years with X amount down on the car sticker.
So instead of a car being 30K on the sticker, the car sticker would show 42K after like 8 years of financing with X amount down and X amount of oil changes. Then folks would see the true cost. Same with purchasing houses.
At the beginning of Covid me an my wife bought a new bmw x7 an a 2-19 Lexus a got a big discount because cars weren’t selling. Timing is everything an knowing how to buy.
Your girl Thao the mayor of Oakland crib got raided by the feds this morning.
My car payment is $1140 a month and I’m a barber so I pay my payments weekly lol so it don’t hurt as much as one time and we have to learn how to manage money!!!!
Let them stay on them lots then to keep dust then😂😂😂
Anton slapping facts today ❤
I will not be buying a car anytime soon, Idgaf how raggedy it is I'm sick of a car note 😒
When I had a car payment I would pay twice to three times over. Eventually I was able to pay my 32k car off in 3 years. I threw everything at it like tax returns, bonuses, etc. 10 years later I still have that same car and have been using the extra money for investments that allowed me to buy my first home years later. Still following the same strategy today for investing. Once you understand how money works like the difference between an asset and liabilities. Then you will see your life change.
I sold my Toyota Highlander during the pandemic. I knew that there will never be another time where vehicles are worth more than when i bought it. The sad part was everyone was buying.
This is very powerful information. Thank you for sharing and breaking this down. I've finally made it to 6 figures, I was always making $50-$60k my whole life and finally made this jump. I know taxes hits you harder but didn't know what todo. This helps alot, you literally just gave the whole blueprint. I'm paying down all my debts, I only have $2k left and I'm debt free! Only a mortgage, utilities and food. When I pay off this last of my cc debt, I'm gonna join the patreon. I've been watching your videos for a while and they have really helped me alot with mentorship. You give alot if information that's helps to put you in the right mindset and you break it down in a way anyone can understand. I really appreciate the info. 🙏🏾
Get Rid of debt, Keep living costs low ! YOUR INCOME IS YOUR WEALTH BUILDING TOOL!
I just paid my car note today it was 327 for a used car from 2015 with 120k miles
Anton I signed up for the Patreon after this video! Please do that financial breakdown video you said you were going to make after your anniversary. I’m the type to need that type of roadmap to study. I’m going to catchup on the patreon content👍🏾
This channel is a blessing. With all the nonsense on the internet and b s in politics. It's refreshing to view grown-up content.
Anton for President?? At least he is sharing how to keep$. Thx
Put me in the minority. I love my 2019 BMW 750, 600 dollar car note and all. You can balance buying toys and cash flowing assets while juggling credit cards by statement dates and rewards and live well beyond your means. Cash and money is an illusion, no one with wealth or old money uses their monet or time, they leverage.
I make 70k ish a year working for a government agency , and I can afford having a brand new car but sometimes I look back like man... I shoulda gotta used RAV4 or sum 🌚
I pay $350 a month for my 2019 dodge challenger. I owe $8,000 on it and I don’t plan on trading it in. I keep the maintenance up and keep it clean. I’m good on trying to upgrade it to a scatpak
You in the same boat I'm in owe 6000 more after that I'm done.
Im 69.. licensed since 1974.. my first 2 cars were 50.00 for both.. runners. I sold my dodge pick up last year.. it was on its last leg. I got it free. Put 20k miles on it.
My envoy was 700. It took me and painting equipment on a short job.. that paid for itself. Im shopping for any 70s to 99 vehicle.
Cost to live: 💲💲
Cost to flex: 💲💲💰💰💸
They are paving the way for electrical vehicles. Make the market terrible enough and introduce something new so that the people will accept anything better than what they have now.
Electrics are even more expensive and unreliable.
Electric vehicles are super expensive and the govt has not built the grid to support them.
Done w that but fkkin insurance is $300 w no accidents in last 5 yrs
You are lying. Insurance has gone up drastically
18000 in 5yrs could be a down payment on a home
Me chilling with cash paid for cars 😂😂
Please do Tiege, give us the game !
I dont do car payment