What’s the Catch With 0% Interest?
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- Опубликовано: 29 авг 2024
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Tempted by “0% APR” deals? Spoiler alert: They’re not the money-saving hacks they appear to be. I’m uncovering the truth behind no-interest offers, giving tips on what to do instead, and sharing a shocking story that will make you think twice about these so-called deals!
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Rachel - please consider getting rid of the music. It's not even in the background. It's competing with you talking. You don't need the music. We come here to hear what you have to say, not to fight to try to make out your voice with the music.
Yes I love watching you but can’t watch with that music.
Take it easy on the music, Rachel. Flash back to my parents going overboard with the background dinner music when I was little and couldn't hear clearly.
Ditto. Please, have your team remove the music track and re-upload the video.
I have never noticed music in her videos before now.
Yes please. Silence the music.
If you don't find a means of multiplying your income you will wake up one day to realize you didn't plan well.
Never Depend On Single income Make Investment To Creat a Second Source.
Indeed investment has liberated a lot of families out of poverty, I recommend it to every bread winner out there.
Getting Aliyah Jessica, really help me clear all my debits. I started with what I have left and it's been the best decision I ever made
You just mentioned Expert Aliyah Jessica, Indeed, wow that woman has been an incredible mentor to me, imparting a deep understanding of the economy that I wish college had provided.
Low income people are suffering to survive, Appreciate her she's a great personality in the state, Imagine receiving $13,670 in few days..
During FPU, we got a 0% credit card offer, moved $4000 debt from our high interest card and got busy paying them both off. Then we canceled the cards. Never looked back after that move and followed the FPU plan. Most people don’t have that discipline but we were determined to pay everything off in one year.
If you are disciplined and read the details it's not always a scam. I needed a newHVAC unit, (I live in the south it's not a luxury). 0% interest for 4 yrs, no prepayment penalty. I paid it off in 3, stayed at 0%, never missed a payment and was able to live comfortably in my home during those years.
Is not a scam if you pay it off before interest is charged, people just don't take the time to read the terms.
Only broke people finance anything
I am almost 62. I have purchased 5 vehicles over my life at 0% interest. Best move I ever made. I had the cash to pay for them but why do it when I can hold my cash and make payments? I bought a tractor on zero interest. In all cases I got the zero interest plus huge discounts on each of those purchases. For instance I bought a 2004 Jeep Wrangler. Regular price was $25,865. I paid $18,600 and at 0% interest. In the 60 months I was paying for that car my money drew interest and those payments shrunk with inflation and pay raises. The simple fact is you have to be in control of your spending. I have been debt free most of my life despite being very poor growing up. Discipline.
Terry
Absolutely true. The problem is people like Rachel Cruze and Dave Ramsay don't trust you to control your spending.
The music isn’t helping.
Start early with diversified investments in stocks, bonds, and real estate. Maximize contributions to tax-advantaged accounts like 401(k)s and IRAs. Regularly review and adjust your strategy to ensure security.....
People dont understand that the prices of things are never going back down. This inflation is deeper than we think. Those buying groceries are well aware that the real inflation is much over 10%. The increments dont match our income, yet certain investors still earn over $365,000 in stocks and assets. Wish I could accomplish that.
Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.
Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian C Nelson.
Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things
Brian demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit
The music is way too loud and irritating.
PLEASE read the comments and ditch the music. I can’t even finish videos because it’s so distracting…😢
Music is ok as intro and exit, but all the way through is too much
Couldn't watch. The music is so annoying.
Same. Bye.
Regardless of how you pay for a car from a dealership, never tell them up front how you will pay or if you have a trade-in. Trade-in, financing, and purchase price are three separate transactions. So even if you're going to take the 0% deal, don't tell them. Get the price you want on the car, then talk financing. That way they can't use that against you. If you can't get the price you want, walk away. Never tell car dealerships any more information than is required at the moment. Anything you say can and will be used against you.
My mom had a $12,000 debt with a 26% APR. I had her do a balance transfer w a 3% fee so she can pay it off quicker. After she did that her payments were going towards the balances that are paying most of it on interest. She paid off her account within a year.
Wrong… I financed my truck and negotiated down to 0%, put the $50,000 into a HYSA and by the end of the auto loan term I would have made about $17,000.
Not factoring in taxes and YoY rate changes etc, that’s a 34% DISCOUNT on my purchase.
Need to know how to be financially responsible and smart. The liquidity is still there if needed to pay the loan or something else off but it’s earning me interest.
Edit: my truck already had options I didn’t need or want like nitrogen filled tires. Issue is all dealers were forcing options upon people due to the market BUT you can use that as a bargaining chip for a lower rate.
You missed the most devious part. It's almost never actually zero percent interest, but deferred interest. Miss a payment or pay one day late on your plan and you pay all of the interest from the entire period. Also, even with auto pay you can get into trouble if you don't round the amount up.
Our refrigerator died Memorial Day weekend. Lowes was selling them for crazy good deals. I put that bad boy on a Lowes card with 0% for 18 months and paid it off nice and slow. It’s a great tool and not a scam. Just a ploy to drum up sales.
I have used a 0 percent card several times in my life and it worked out perfectly!!!
A bit hard to tune in to focus... music is too loud
Exactly. This is important information for this Baby Boomer! and I can't hear it 😐
It’s a bit hard for Rachel to focus too, because her eyes are too far apart
@rabidgoon what are you talking about ?
looking around at these 0% interest incentives, is difficult to just look past, but my "loan calculator" is reminding me, even at 0% I couldn't afford that payment for 4+ years....
I do not forget about any payments because I pay very close attention to my finances, and I do have cash to pay for anything I want or need. That said, if I needed to buy a big-ticket item and 0% financing is offered, I'd consider it and leave my money where it is, growing every month. If something is 0% for a limited time, I pay before the time is up (again, exercising that paying attention "muscle").
How dumb does Rachel think we are to not figure out that 5% in a high yield savings account will beat 0% interest?
The Ramsey crew isn't for people like you. It's for morons who don't read what they sign or make 2k per month and have a 1k car payment and can't figure out why they're struggling. If you're beyond that, you're not their target audience.
@@mikekeenanphdThe Ramsey universe perplexes me to no end.
@@bryan_witha_whyy It can be likened to a religion where debt is heresy. I don't know how else to explain picking 0% over 5%.
@@mikekeenanphd The biggest thing Ramsey misses is that the ABILITY to be debt free is just as or MORE comforting than being debt free. Because not only can you be debt free but you have a pile of money making money.
daughter and son inlaw got a %0 deal for 3 years on a mower. they had it pretty much almost paid off but went over on the last payment, according to the terms they had to pay a high interest back to the original purchase date. so they had it almost paid off and still owed thousands.
I have always tried not to borrow. Only on my home purchases. Worked out well.for me. Now retired, no debts, and that includes my home, car and Harley...
I don’t use credit cards and if I do I pay them off immediately I think I’ve use the 0% once or twice and since I paid it off within the time limit or earlier I didn’t have to pay interest, I really don’t like interest!
When my wife and I were much younger we did a 3 years no interest deal for a couple couches. It worked out for us as we were already living under our means and didn't have any unexpected expenses. But now that we're (hopefully) a bit smarter we sure wouldn't risk doing that ever again. It's just not worth it. It is tempting though when you're just starting out and tired of living with 2nd hand everything. Just hold out a little longer though and buy when you can afford to pay cash. You'll sleep better.
When something sounds too good to be true, it probably is. Like a faith based health cost "sharing" program. It's not insurance....
Not the best insurance for sure.
Yeah that was a weird plug.
@@bryan_witha_whyy Sometimes they are so many adds I FF a lot. I get they help pay but insurance, blinds, insurance again, plugs for apps
There is no “catch”. As with any tool you need to learn to use it properly or risk hurting yourself.
I don’t think these people know what they are talking about. 0% financing rocks.
Solution Rachel: take the 0% financing and pay it off before interest or any fees start. As opposed to dealing with the added stress and game of constant 'upgrading'.
It's like lay-a-way. If I buy 3000 worth of furniture and want to spend a year paying it off, that's fine. Or I could just take the 3000 out of savings. Either way I spend the same and if a big repair comes my way, I know I have monthly payments I can handle.
0% interest for say 18 mos, particularly in an up market, is fine with me. I used it most recently to buy a new stove. I just put it in auto pay for monthly payment of ((purchase price)/18 (mos)). Or if you wanna be safe, divide by 17. If you're not disciplined enough to do that with certainty, then I wouldn't bother with the 0% interest offers.
36 month 0% finance solar panels same as cash …. Paid off in 24 months made 15% of the price of the panels based on 5-6% savings account interest .. so not only paid off in 2 years I got 15% discount of you think about it
@@X.MillennialResponder.X Yes this video is basically advice for idiots or people with no investment knowledge or self control...
I’ve used it several times with furniture purchases and have never failed to pay it off before the end date. Thus zero interest.
I've been saving for my next vehicle now for 6 years. My 2013 Subaru is doing okay at this moment and only has about 120,000 miles on it but I know that eventually I will have to replace it. This is how I am doing this... Over those 6 years I have saved and then purchased three separate one year CD's. The most current $10,000 CD has an interest of 5.5 on it. When the time comes that I need a new vehicle I will have around $30,000 saved for my next (and last vehicle since I am currently age 73.) We only have one vehicles in our family and I need to to be super reliable but I feel I will have a great start towards my next vehicle purchase when the time comes.
It's true my husband got carried away with 0% interest loan for 1 year, and he couldn't pay it off because life happens he got hit with interests for not paying before the yr
I purchased my RAM in 2009 new with 0%.
Paid off in 4yrs
Today I'm enjoying 11yrs of no car payments, I'm 226,000 miles and the truck still runs like new.
Truck has pay me back 2 1/2 times and plus more.
I'm not trading, I'm not buying someone's problems, I went 8 yrs without issues. The last 7yrs just been maintenance and replacing worn out parts .
On average I spend about 2k on repairs. Not all at once but it's cheaper then today's car payments.
Most parts i replace are DIY .the truck is still under lifetime powertrain warranty
I have abused the warranty lately so much, dealership wants to buy it back, nope.
I love my old RAM. Drive it till it blows up
All those tik noise RAMS make, still under warranty for life
Buy new folks and keep it at least 10 to 13yrs to get your money back and enjoy freedom of no payments for as long as you can.
Don't trust the high mileage vehicle for road trips, RENT A VEHICLE. you have no car payments.
I bought a couch on 0% over a year because I didn't want to touch savings or pay interest. So after shopping around cash/card, it was like lay-a-way to me. I did have the cash, just chose to keep it for other things.
I disagree with your illogical statement that zero percent APR is a scam. If you cannot afford to buy an expensive product at all, don't buy. However, if you buy on credit or take out a loan, at zero percent APR, go for it only when you know for sure you will be able to meet the monthly repayments. Otherwise, don't go for it. I went in for a zero percent APR on my new vehicle and I paid it off without any delinquency. In other words, I enjoyed my cash float and save a lot of money on interest which I otherwise would have paid if there wasn't zero percent interest.
In short, stretch your feet according to the blanket. If you cannot afford a product, don't go for it, but look for cheaper alternatives. We should all welcome ZERO per cent APR or much lower interest rate. I don't think it's a scam and so stop spreading misinformation.
If you take out any loan, it means you can't afford it.
@zachjones2346 no it doesn't lol the rich leverage debt to build wealth, this is poor man's thinking. It's about understanding risk and making disciplined decisions...simple math in most cases. If you can afford to buy something you need in cash for 10k, but you get a 0% loan for 24 months...just put that 10k in a high yield savings acct and pay thr minimums monthly, until you pay the lump sum before 24 months is done...you pay it off with no interest, but you keep the interest from savings you otherwise would not have made.
If you already have high interest debt, 0% APR credit cards for balance transfers are a great idea. Pay the 3 to 5% fee and calculate what your monthly payment needs to be so your balance is paid by the end of the promo period. Just be responsible.
0% cards and loans are not "too good to be true" or "scams" but just be responsible and they can be useful tools....especially today where it's become incredibly difficult to save up for big purchases in cash...if you need a car to get to work, and you can't wait to save up 10k+ in cash, financing may be necessary, but you should try to pay it off ASAP and only buy the cheapest reliable car you can find.
I also find it rich that she's calling 0% financing a scam...and then solicits b.s. Christian fake health insurance which is full of horror stories about screwing people out of health coverage...yikes
exactly
Thank you for sharing the honest truth about 0%. “If it SOUNDS too good…”
No payments = priceless!
I agree with everything you have said. I do accept any 0% interest rate sale that I can if and only if I have the cash to pay the purchase off. I will,pay the monthly amount and then 2 or 3 months before the end of the 0% off timeline, I will pay the purchase off. I have done this in several stores over the 50 years I have been married and I even have one store that doesn't like to see me for they can not make the big money on me by me not paying off the total price before the deadline. I have a seperate bank account for this money and this kind of a purchase.
I do this with all my Disney trips on my Disney Card. I pay them off a few weeks before the promo end date. Easy peasy.
Correct me if i'm wrong, but (1) a loan is a contract.....(2) if you miss a payment, there are consequences/penalties......
Had to stop watching because of the music.
I paid down 5000 many years ago on 0% Disney card and it was very gratifying to see it go down so quickly. Never used it again and they closed it eventually. Never would have finished so quickly if I kept the 15 or 18% I had.
There's absolutely nothing wrong with 0% interest. She called out the real problem, "borrowing a large sum of money that you don't have cash to pay for'.
I had a $3,000 expense. I had the cash to pay it. Instead I applied for a credit card with 0% apr for 15 months, $200 introductory bonus and 1.5% cash back. I paid in full 12 months later. Using the bonus, cash back and the interest from the $3,000 I left earning interest for 12 months I paid back $2,605.
We have/ are paying for three 2024 Bigger Ticket Items with cash although the scope of each, and hence the cost, was greater than initially anticipated. Item number 4 ... is a needed diy which we may take a 0% interest loan on for at least some of the materials; or at least the 10% discount. Not sure what the interest rate on that card is except "high" as when we use it, we're generally back within days to pay it off; interestingly, we used to be able to pay it off the next day but it now is often a good 5 days if you pay at the store. In December '22 we bought some electronics using a different store's 0% interest card and with a little bit of struggle (they dont make it as easy as they could) we paid it off a little over a month later; we had to wait for postings to verify the amount else it would have been sooner.
I understand what you’re saying, but if she forgot about a debt that she owed, of course it’s going to pile up. You don’t just forget about a debt you owe.
Here is my question…if I am able to save $726 a month, and raised over $17,000 isn’t it better for me in the long run to make a car payment with that $726 (or less preferably) and allow that $17,000 to keep earning interest? I have always appreciated the Ramsey philosophy of not going into debt and to pay for things using cash, but I do wonder if in the long run keeping that large chunk of cash earning interest is better than using it to pay off something I can pay off over time with zero interest.
She's full of it. I bought my tractor with zero down and zero interest, and kept my money invested and made an average of 10% per year return over the course of the loan.
I've used 0% many times. Started decades ago when I needed to pay off my credit card and doing it with high interst as they would want was so depressing. 0% had my amount go down so quickly. LOVED it. Never used it again. I used 0% after research on couches and things like that as a lay-a-way sometimes. I loved that years ago, most don't offer it now. I usually pay it off much earlier than the time period but I like spacing out larger payments and other times I don't.
I went to this furniture store and saw a chair i liked. I don't make same day purchases like this so i went home. The next day they had a everything half off sale with 0% interest. So i went back in to pick up the chair. A bit unusual for me. But when i went in, what they had actually done is double all the prices. And the half off was the original price i would have paid the day before. I did not buy the chair. Nor anything else ever again from that store.
I don't actually think this is a good idea for most people. But.. i do like zero percent interest terms in specific cases. If i already have 100% of the money. No early payoff penalties. And no really weird gotcha clauses.
Ill throw that money into a high interest low risk earning account. Its now "spent". When i pay the loan, i pay directly from the sinking fund so it never impacts my budget. If you loose your job. Too bad. That money is gone. Don't touch it. It shouldn't have came from your emergency fund. And pay it off early. Usually theres a point where the interst you earn with the remaining months isn't worth waiting around for. So pay it off then. And if the company gets weird on you. Just pay it off. You have the money.
Its really the only case ill do a loan. Because i end up in a better state than had i would otherwise. Ill take the interest i made from the purchase and chuck it into my investments as extra investments money. This obviously isn't to get rich. I think debt is ok if theres no risk and you come out better for it.
Just have to be careful of bad math. Ill often hear things like why pay off my 3% loan ehen i can earn 8%. First, unless you have the money to pay it off that day, this is bad math. You can show senarios where paying 3% off early and unvesting the payoff after is actually better. So don't look at a low interest loan and assume your making more because your not paying it off. This is bad math and not necessarily true. My current house is 2.875 interest. And the break even point is 20 years. Meaning if i invested instead of pay off, in 20 years id be wort the exact same if i had just paid off the loan early. Its a complete wash.
Many stores do that. I take pictures of the prices as I browse so I can compare later. I did buy a couch after research and used 0% as a lay-a-way. I had the money but didn't want to take it out of my savings all at once in case I needed it for a car repair.
I agree about the music. Get rid of it. I dont mind it. I dont even hear it most of the time; until it was pointed out. But it can be distracting for most people 😂 love the video tho! 😊
I only use those promotions for items I need. And already have the money in the bank, earning interest until the term is up. I gain 5% and get the product now.
I agree with Rachel on the wait till you can afford it before you buy it. If you have the opportunity for a zero percent interest loan and you have the money to simply buy whatever it is you want, why not take advantage? Have that money sitting in a high interest savings account and pay off the debt as needed, so interest works in your favor instead of against you?
0% interest with a new credit card is great if you need something that you want to make payments on with no interest, you just need to make sure you can make the payments needed to achieve the pay off before the offer expires. Most are 18 months.
I feel like I'm waiting for the next available customer representative. We value your time......
music, cant watch..
0% is good if you’re responsible. It’s not that 0% is bad.
Great video but music is too loud. Should be in the background
What you are saying is only for those that live paycheck to paycheck. I have chosen to buy my last vehicle with 0% down as it gave me free money. I could have bought it with cash, but why. I paid for 3 years and was done. Why put $40k down on a Jeep whe I could put $5k down and finance for 3 yrs and pay $1k a month. No interest means I paid nothing more. $1k is nothing so no worries. Only other debt I have is 63 acres at less than $900 per month. If I lost my job I could sell that for profit if I had to.
I love watching you on the Ramsey show. But, between the music and you not looking into camera and reading teleprompter in monotone. I got too distracted.
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. How are other people in the same market raking in over $200k gains with months, I'm really just confused at this point.
Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge
I somewhat enjoy "churning" credit cards after years of them taking advantage of me.
I bought a new fridge last year. I shopped around and sought sales. Got the fridge for 0% for 24 months using their card. I had the money to pay in full thanks to being a baby steps follower and gotten outta debt and had my 6 month emergency fund in place. I Wanted to use that interest free 2 years to keep earning full interest on my high Yield savings account.
Fortunately or Unfortunately ,having gone through the debt free journey... I paid it off after 4 months to get it gone- because I couldn't handle "Keeping debt around like a pet".😊
Please stop generalizing this. I have used 0% interest on debts very successfully over the years.
When we replaced our very old home HVAC , I financed it at 0% for 5 years. I could not have afforded it otherwise.
The money we save in electric bills almost covers the monthly payment. Sure, I have to pay on time or risk getting hit with a huge interest increase, but I always pay my bills on time.
Who can afford paying $15,000 lump sum cash these days?
For some of us regular folks, financing a car, or a necessary home repair is our only option. Done right, 0 % interest on debt makes perfect sense.
"Instead of paying the bank or car manufacturer, you're paying yourself." NO, you're paying the person you buy the car from.
I dunno. Lifetime warranty on engine and transmission on new cars with Toyota as long as you own the car. That’s worth it to me to get a new car if you can.
As a viewer north of the border, some of my US friends’s mindset.... it’s un-American if one doesn’t have debt. 🤦♂️🤦♂️🤦♂️
If you pay cash for your vehicles, furniture, and everything else. Then take what your payments would have been and put it in something that will make you some interest. By the time your current paid-off car is done, you will have enough money to buy a new or newer car. Many car loans are like 3 to 5 years and in that time you can save into an interest-bearing account where the bank is paying you to buy your next car. Personally, I drive my cars for a lot longer than 3-5 years, but you never know. My last new car my college-age daughter totaled (she was fine). If you are always investing in a car account even when you have enough for a new car, then if something happens to this new car you need to be able to purchase another one even if just waiting for insurance to pay out.
This year is going to be worse than the last, no doubt about it. Due to poor investment decisions that I would not have made if I hadn't been so concerned about my portfolio, I lost a significant amount of money last year. I continued to invest, but I was undecided about whether to begin making house payments. I eventually sold my jobs, and the house required more work than I had anticipated. I'm not sure how much longer I can continue in this manner.
Gosh Rachel I feel like all of your videos are the same! I’m ready for some new information
Are we dancing along with the music or taking notes from Rachel’s talk? I can’t do both, please pick one or the other Dave.
So we are ordering a new Ford escape that we do have the money to pay for in cash. But we are wondering if we could get a zero or very low apr loan to keep our cash in the bank and use the interest we earn to pay the loan.
Ask them for zero or low interest if you put maybe 30% or 40% down. And try to negotiate
So why would I put down 30 to 40 percent down that's kind of defeating the purpose. We can pay for it in cash. What we are trying to do is keep as much money in our high yield savings account.
@@bradcoddington1679 putting big amount and talking with them to give you 0 interest. I might say wrong way. And have some money in bank, if they won’t give you 0 interest than pay in cash
Beware of Kia, they had a ton of recalls and my daughters Sportage burst into flames and they are offering 0% last I heard to get sales back
The big scam is 0% credit card balance transfers. In the fine print you'll see a fee of usually 4-5% of the balance transferred. You think, not a terrible rate. If you do the math you end up paying significantly more than 5% in interest. Example: $10,000 balance transfer with a $500 (5%) transfer fee. Now you take the $10,500 and divide it by 12 payments (assuming it was for a one year promotional period) You make your 12 equal monthly payments of $875 dollars, surprise, that's a 9.1% interest rate.
It might make sense if you're expecting to receive a lump sum of cash in a years time and only make the minimum monthly payment for 11 months and then pay off the balance when the promo period ends.
9.1% is still significantly better than 23% credit card interest rates that one may be transferring from, no?
@@koreypaul6698 Absolutely
Interest and full coverage insurance are keeping a lot of people broke. Wake up!
Yes get rid of the music
Don't take on 0% debt if you need the loan. If you have the cash take on the debt and collect the interest in high yield savings etc. Don't forget and don't do any other dumber than dirt things mentioned by Rachel. I make about $100/month in interest from banks/credit cards on no interest debt. Why would I pay full price when I can get this no brainer discount? Over fifty years of NO payment missed, it really isn't that hard.
Dumber than dirt? Your advice is incomplete. You assume everyone will pay back the loan before the 0% interest period expires. Some people do not and get hit with huge interest tacked on. Doesn’t hurt to be polite. She gives a lot of good advice as does her Dad.
Yep! Not paying back before 0% expires qualifies for dumber than dirt. Sometimes common sense just isn't. Don't borrow if you can't pay back before rate expires. I currently have three 0% loans and just finished paying off two others without any drama. Lost count of all the 0% loans through the years not a single problem. Credit scores well over 800 without paying any interest at all for the last twenty-plus years
Music - please consider removing it.....imo.
Credit card transfers also. 0%
This is dumb. We bought a mattress and financed because we wanted to spread out the payments, not because we couldnt actually buy it in full.
Yup... some scammer is saying he gets $75,000 every 2 weeks. 🤣 riiiiigghhtt 🙄
Just do auto payments for the promotional month offer example: 2400$/24 months, 100$/month for 2 years. Boom! Gotta leverage that 0% in your favor. Shout out to Best Buy. Stay suckafree!
No one ever had it better. It wasn't harder before. You are not more virtuous. You didn't have a higher standard. People today are the same as they have always been. The fallacy of the innocent past causes one to see themselves in the best possible light ignoring the fact that they were harboring the darkest evil in the depths of their heart. You can never know what evil lurks inside someone. The greatest corruption exists at the highest level of wealth and responsibility. The most honest and trustworthy people are at the bottom of society.
I will check back in a couple weeks to see if you've ditched the music. I agree with what you are saying, but really can't listen to this!
You live once. Have a house payment and a car payment. Enjoy life and make payments.
Yesssss remove the music!
Yeah the music is bad. I’m outta here.
Just remove the background music
Lost you at the religious add
First comment 😎
This video almost tries to make 0% interest seem worse than say 6.9%. If you can get a truly 0% APR interest rate on a car and keep your cash in stocks or a high CD rate, I don't see how it is bad advice to take the free loan... Just don't overpay because of the loan terms and don't use the 0% as an excuse to overbuy. 😉