The Bad Financial Decision In Buying My S65 AMG
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- Опубликовано: 11 июн 2023
- Inflation and a bad economy in general makes it harder to finance things nowadays and my S65 AMG certainly is no exception lol, today we talk about the money side of buying one of my cars like we've done on so many others!
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I got news for you bud, your videos do well not because of the car, but because of you.. you come across as very likeable, knowledgeable, and easy going and that resonates with people.. keep on keeping on my friend!!!
True!
I second this all the way. I had planned on make a post saying basically the same thing! Please keep up the great work I love your genuine love for cars,trucks..ect
Yup good comment
yes
Agreed👌
You should continue showing the cost of purchase for your cars, I really enjoy them. I’m sure others really do too 👍🏽
remember when he use to post hm he makes the good old dayssss
helps me understand how it works
Why did you remove the black rim now it don’t look good no more
Love the videos Mike, and love the AMG content as I myself drive German land yacht Autobahn machines. I would really love to be of assistance on your next Mopar. I’ve been selling Dodge, Rams, and Chrysler products for about 10 years
I like too!
Love when RUclipsrs speak about the financial side of their cars. Keep up the good work
Any financial pain has to disappear when behind the wheel of this beast! I have a V8 CLS550 & I have my eyes on a ‘18 S65 right now, that V12 taps into your spirit man
You’re gonna get that boy
The problem reappears when you get out of the car
You have to be good at ignoring the pain….😀
Until something breaks....all the joy is erased with suffering and pain.
Just don't look up what ignition coils cost on this car :) On my W205 C63 AMG they were 3k... I've heard much higher on these engines.
Love the transparency with the money- this is what sets your channel apart from all the others that keep that as a safely guarded secret
Beautiful car Mike! Been watching you for years.
You seem genuinely happy to be making content again. I think you needed this s65! Keep up the great content.
haters are going to hate, appreciate you showing the true process of owning a car like this. i hope people realize this is a S65 NOT a S63.
S63 is faster
@@tmonz10 S63 does not spec RWD and many of the "options" on the S63 are standard on the S65. what's faster doesn't make it more valuable and rare.
@@tmonz10who cares, speed isn’t everything. Some people would rather listen to the sound of an engine even though there might be faster cars out there
exactly why my e92 comp super crispy alpine white 100% stock, the engine all of it waaaay more comps and thumbs than if it was the newest vvvhachamacallit….sweet whip and that big coupe is primo didnt kno the 12cyl was even avail
@@tmonz10its quicker not faster
Been watching your Channel for years brother! I would watch your videos even if you drove a Buick! It’s not about the cars it’s about your personality and how you come off man! Cool dude just doing what he loves!
☝️,ᗯᖇITᗴ ᗰᗴ ᗯITᕼ Tᕼᗴ ᗩᗷOᐯᗴ ᑌՏᗴᖇᑎᗩᗰᗴ Oᑎ Tᗴᒪᗴᘜᖇᗩᗰ.....
Bro I love your transparency I will always watch your videos and recommend your channel. Love you bro keep it up
Like I said in the video when you got the new AMG I'm just happy to see you in a car you actually love... you can see it... Happy for you Mike
You seem in really good spirits these days. Glad to see ya back on brother.
Great video, I like that you're transparent with the financial aspect(s) of purchasing high end vehicles.
☝️,ᗯᖇITᗴ ᗰᗴ ᗯITᕼ Tᕼᗴ ᗩᗷOᐯᗴ ᑌՏᗴᖇᑎᗩᗰᗴ Oᑎ Tᗴᒪᗴᘜᖇᗩᗰ........
Looking forward to see all the things you'll do with that great car!
Always know interest rates before you go into the dealership. At the time I bought my last used car I had checked my financial institution to find their rate was 3%. The dealer told me they could get me financed at 3.5%. When I mentioned that I could get 3% suddenly their rate dropped to 2.5%.
I paid 4,016$ for my 98 civic two years ago, 0% interest lol, I’m gonna do the brake’s tomorrow, I did a radiator tires and oil changes basic stuff so far hopefully it keeps going another 100k it’s in 108
@@williambarringer6513 Honda 🤮
I appreciate your truthfulness and showing the behind the scenes and real numbers
Really love the insight on these kind of stuff love the s65 virtually no one else in this space has one which makes your channel unique
Daamn bro im rlly happy for you i really love to see people living their dream life tho... i want this to happen to me some day man i hope one day i will hop in such a car like this and kick it down and forget for all the fking problems.. im happy for you man keep going!! 😊💪🏻
i enjoy your videos for the honest content. keep up the great work!
Mike, love to see the smile on your face and the excitement in your voice having the S65 AMG on your channel! Love AMG's...I have an SLK55 AMG.
New to the channel. This video came up in my algorithm. I definitely liked this review, it was personal and a good insight on what real people are experiencing with this crazy economy. This is definitely one of my dream vehicles. It would be further informative to go over horse power, torque and 0-60 figures. I’ll be back for the update. Beautiful vehicle.
Daaaamn....that car looks so good with those wheels. Not a big fan of silver...but damn it looks good...and it sounds good. I can't wait to hear it with the exhaust.
I love how transparent you are with your cars & the break down!
@Autovlogofficial. did I wing something? That will be so cool.
Congratz man, doing what you love and getting paid for it. Mad Respect
To get the emotional start you have to turn the ignition on put it in sport plus then pull the shift lever. I haven’t looked at interest rates lately but if you have a A+ plus credit 750 and above you could’ve got better rates with credit union or USAA. The F&I definitely took advantage of you for sure with 760+ . I wouldn’t ever use a dealership again. Walk in with your own or better yet get a dealer license and you can save the tax and registration fees as often as you flip the cars. That’s what I’d recommend to you. Just your dealer license alone will save you enough money to where you could also get a project car and that you can buy it at auction if that’s something you’d be interested in doing I don’t know👍
Love the S65 coupe, congrats on the purchase! Resale values on higher end German cars are typically very poor as compared to the original sticker price. After 4-5 years the values drop off a cliff. The purchase price represents a significant savings off the original purchase price, but the maintenance costs are still very much inline with a $245K car. Having the ability to do some maintenance yourself will help, but the price of the parts will still be painful as will those instances in which the repair cannot be done on your own. Enjoy the ride and keep the up great channel!
I really don't get why Americans buy these cars for driving 60 mph on the highway. What's so interesting in that? This car drives almost 300 kmh on the Autobahn, that's where it belongs (or the track). The rest is just showing off.
@@Bob-nu2qo we have a lot of open space and long hills.
You said it yourself: you don't get it. It is true, you don't understand. In my case (as is true for many) it is the experience/quality of driving in a vehicle that does/feels qualitative things that mere mortal vehicles don't do, regardless of the maximum speed driven. @@Bob-nu2qo
I thank you for being so transparent. The same this happened to me today. I tried to buy a nice modded pristine SS. And it’s was a rare optioned out 6speed. My credit is a 806 and the interest rate was 9.99%!! My bank didn’t wanted to touch it because it’s 8 years old. They didn’t care how pristine it was with only 25k miles.
That's crazy it's that much more for a older vehicle. Crazy and interesting love the videos keep it up man
I think this is the best car, overall, that you have ever had on the channel. Just proves you dont need to go spend $200k+ for an interesting car
Yes, my comment above is the longest because of this cars. I find them amazing!
The reflection in the mirror is due to your tint. Yes, I deal with it too. I rigged up my side cameras to come on via turn signals in the infotainment screen.
Man they gave you a great deal on your TRX. Good to see they're still holding value solidly in the fact of the Raptor/Raptor R.
Yeah, 9.29% is high-ish, BUT banks are a bit more aggressive on loans of high amounts to stem their losses, particularly on repossions. Under 10% on THIS car(yes it is often the actual car and make that drive interest rates as well) isn't too bad in our times. Plus you'll be able to re-fi within a year if your don't sell.
The reflection is in your side window, not the mirror. Still annoying though. Great videos, by the way.
Love seeing the AMG! Thanks for the transparency, these videos are always cool
He has to be the most transparent RUclipsrs when it comes to finances and things. Its interesting. It's what we do wonder about as viewes.
Sweet car. Last of a dying breed V12
I feel ya. I “downgraded” to a 2016 A6 with a 2% interest rate a few years ago. First car I’m not modding in 2 decades. Had a kid and not going to get back into a fun car for a few years when hopefully interest rates come down.
But an A6 is most people’s idea of a dream fun car!
I had a 2015 S65 sedan same color. Enjoy it bro. I had to move mine due to my daughter going to college this fall.. enjoy those times with the kids and taking them to their training or games. The time flies by. I owned mine for about 3 years.. the most enjoyable car experience I’ve ever had..
Your videos do well because you are transparent about things and you stay humble.
I have been following you since that video you threw the keys out of that ford mondeo ( forgot the english name😅).. and when i was at a lot point in my life YOU made me smile! Even my wife was surprised with that! I did sent you a message back then ( about 4 years ago ) and you even replied!
Mike, thank you for everything you do and keep up the good work! You did a lot more than making youtube video's, you made me stand up when i was down.. ❤
Depreciation + high interest rates + gas = $$$$. And that’s not factoring the inevitable maintenance and repairs 😮
Yeah, it's a bad deal, but the car is great!
And cost of mods!
We need a drag race between your Merc and Mike's coupe beemer.
Autovlog Great Video I'm glad you shared your expenses on your Absolutely Gorgeous S65 AMG and I'm sorry to hear that your rates aren't that good and I hope you can get refinanced and I can't wait to see the Build
Certainly one of my dream cars. The new wheels are sick!! Love it.
I absolutely LOVE AMG's. In my opinion it doesn't get any better. I've owned over 8 AMG's in the last 14 years and haven't looked back. Owned other makes also but nothing is like an AMG. Love the channel 👍
you should show how much you have repaired your german trash car
@@JIMMY-ck1oehater 😅
@@johnblack4915 ruclips.net/video/rBSDBax7NtA/видео.html
@@johnblack4915
Timothy Reed
Timothy Reed
4 months ago
Same issue with our glb 250. New cylinder head and in garage for 4 weeks. It’s back in the garage again now for an oil leak.
@@JIMMY-ck1oebro lol you bought a GLB 250. That’s a wannabe Mercedes.
It's such an incredible ride, brother. I am looking forward to watching your progress on this car.
Thanks for sharing these details like you always do, I really like these details. Those new wheels are so much better than what it came width.
What a car, cant believe how beautifully those rims have transformed that car!!
Why would you want to change the exhaust, it sounds AMAZING 🤔
I'm torn on it myself. Then again, would be good for RUclips content
@@bcy412 as an owner of a CLS 55 and GLC 43 I just don’t think you can beat AMG quality for an exhaust
Tax return lol
That's what he does.
New wheels, exhaust, steering wheel, tint windows, if not already done.
He doesn't know where he's gonna put his moneyyyyy😅
Even in todays market that interest rate sounds high to me. I guess it may be due to the age of the car...and wow that is a LOT of depreciation on that. The part that would scare me is I can imagine that there is no warranty on this Mercedes and simple repairs could be thousands at a time...especially at the Mercedes dealer
Well according to his fuzzy math he can’t afford NOT to have this car
Thanks god the OG Mike came back the beast who gave him live big congrats man super happy for your purchase and hope you the best and keep growing! Let’s go up to the million subscribers! 😎 👍🏻
Wow that thing is sweet ! Very cool you showed us all the costs of everything. A lot of people have the TRX. You see them all on the streets now. We don't see this on the street much! Looking foward to the exhaust video
It looks great Mike. Don't change it to much. Things can only get better soon 🙏 good luck and don't stop making videos on cars, really appreciate it 😀
I'm with you on the interest. My lease was up and I traded in and got 5k in equity for it which was awesome. Got a 2020 car, similar credit score as you, and my rate was 8.1%. It's wild.
What did u buy at that rate? Wow i have 3 friends just bought brand new gmcs at 4.6 for 72 months
Brand new. They bought brand new. Not used. An exotic car the interest rates are much higher.
Guy above these comments just got a 2017 r8 for 5%.
I refinanced my car just before the rates went up at 3.24% and my score was 675. Now people with 750 scores are getting 8%+ and sometimes outright denied a loan
Wow! Things are crazy with these interest rates right now. I purchased a new car back in December 2022 and got an interest rate of 5.29, which was higher than the interest rate on my previous vehicle that I had for a long time.🤷♀️
Local credit unions are still at 4.99%! Try that.
True but... the cars usually have to be 5 years or newer.
@@sdlausen1 Credit unions go up to 7 years old for 4.99%. I use 3 different CU’s and all do the same
@@DefinitelyNotYouThankGod Nice!
Just watched your video mike and it was awesome as always . Looking forward to seeing all the upcoming mods i know they will be awesome.
Man, that car looks so good the way it is with those wheels. I hope whatever color wrap you plan to put on it will at least look as nice as that silver finish.
You can always refi but might not be able to find the dream spec. I predict the S65 Coupes will be appreciating in a few years with S coupes extinct and the onslaught of EV's from Mercedes. But you'd probably have to keep it for a few years to realize that appreciation. Those new wheels are everything too man.
They definitely marked the rate up on you two points. Tier 1 credit is getting 5-7% buy rate. I’m surprised being a previous sales consultant and also knowing about cars you didn’t make them give you the buy rate to get the deal. Really should have…
So you pay it off early and save on that interest rate.
@@tax905972 if you don’t have to go through the hassle of refinancing why would you? I guess being a RUclipsr you’d have all the time in the world to do something like that though.
So-so credit plus an ignorant consumer results in a terrible interest rate.
My issue credit score of over 800 and lowest rate I’ve seen for a CPO is 5.49
@ryanrattray3199 I bought a CPO last week . They quoted 8.4 with no money down. I dropped 10 percent down and that lowered my rate to 6.1. To your point, the rates are usually better for tier 1. Maybe he paid higher due to age of the car?
def love videos on the s class coupe, One of your best purchases for sure !!!! i’m excited to see the build
I want thank you for repping my city gracefully. I’m from the East side..Homewood! And that view fresh out the Fort Pitt never gets old. God Bless
You tend to always double up or more on the payments, so if you keep doing that you will kill a lot of that interest anyway. Its funny amazing to see you paid less for that car than for the W205 C63. Love the car man! I can't wait to see what's coming.
I might be wrong and who knows what Mike’s terms are, but most finance places charge you the interest in the loan regardless of your payment schedule…unlike that of a house mortgage where paying it off early, can save you thousands of dollars in interest.
@@robnannemanwrong, if your monthly payment is $600 and you want to pay the $600 plus another $600 towards the principle you just pay them $1,200 and tell them (verbally or in writing) that the extra $600 is towards the principle
@@cjsawinskiPutting payments towards the principle therefore lowering your principle will lower your overall interest on the loan. Do your homework before correcting strangers on the internet.
@@Xero285 ehhh, not sure what you took from my comment but your saying what I said… read a comment next time before giving advise to strangers on the internet…
@@cjsawinski I have to apologise, thought that you were referring to the first post, but just saw your were referring to robnanneman.
Never mind. ✌🏻
Can you dive in more to the day to day finances of the car? Things like how much does a full tank get, how much miles does a full tank give, the prices for tire changes, oil changes, etc. I would like to understand how much it would cost to maintain such a car.
That’s to simple and general… with prices these days… his tank of gas $60-80, range 300-350, tires on a car like this is about $2k (starting), oil change is $200 (starting)
@@cjsawinski yep, those are the cheap item. Wait till something breaks in that and this is AMG parts, you need to fat checking account to maintain.
@AutoVlog1 Where can I connect with you big bro?
Awesome video explaining this not many RUclipsrs show that part.
I have to say one of the best things about his channel is, he talks about the cost, how he makes money and shows it to us. Lets face it, I think most of us are curious how they make money on RUclips. And I think some don't because if they do make a lot from youtube, they won't get support or something
Holy crap that's a horrid rate. I am still paying 2.65% on my 2021. The dealer keeps calling me trying to get me to trade in and get a new car LOL
I got 1.9% on my new bmw M340i touring which i am going to collect in August. I live in Switzerland
I can't wait for the upgrades
You only live once so I’m glad you got it. Tried to lease a CLS450 last week, MSRP was $95k dealer wanted $1900 a month. I was in no shape or form expecting these numbers. We live in crazy times. I’ll just probably buyout my current lease.
Not been on this channel in ages, but an S65 AMG will make me watch anytime! It’s my fav merc and one I’d love to own soon.
I am by no means a financial expert, but I would suggest trying to refinance asap with a local credit union. I just bought a 2017 R8 plus (loved yours btw), and I got a 5.45 % rate. My FICO score was 818, so higher, but you should easily be able to get in the 6´s with your score. CNBC said today that the fed could cut rates later in the year so you can always refinance then. Good luck!
Was literally about to post this exact same advice. My local credit union is offering roughly the same rate, I’d refinance when you can!
I have a 720 and my credit union gave me 7% for a 60 month term. I've also used them for my last 2 vehicles for a 4% and 6% rate
If the media says something you know its more likely going to be the opposite.
😂CNBC said that??? Okay guys, so the freeze is over, let's party now.
We all have our opinions but it’s really none of our business what your interest rate or monthly payment is. If you’re happy and comfortable with the deal then so be it. In my opinion this is the most beautiful and classy looking car you’ve had on the channel. It just looks so good in silver with the red interior and those wheels…but I know in order to make money on the channel you have to keep making mods on it. That worries me knowing that you want to lower it and wrap it but like I said it’s not my business so do what you want to do to it. I just hope my heart can take it!🤣 Love your channel. Been here since the Fusion days.
Another video I enjoyed! Thanks, Mike.
love your vdeos and just wanted to thank you for being genuine ive
never seen a youtuber be so transparent with the fnancials when it comes to buying a car i think its very smart and extremely helpful to your audeince keep up the good work i cant wait for the exhaust how do you go about buying wheels and tires and how will you know if they will fit your car
Why was the deal you got so good?? That car sat for about 8 months trying to be sold. They finally sent the car to auction to get rid of it and that is where the VW dealer got it from. Seems like you could have got a better price. Also you credit must be bad because my credit union has that loan for 5.74% right now. You got hosed at 9.2. Go refinance the car right now.
Wow, did Copart have it? I think he said it had 5 owners.
I would keep it. v12's are going to go up in price
It's a depreciating asset. No way it would go up in price on a used vehicle.
I subscribed when you made the fusion sport vs taurus sho 0-60 video and I’ve been a consistent viewer since then and I don’t plan to stop watching.
I get the finance stuff behind this.
My story is basically this: in March 2022,
I had a 2021 Avalon Hybrid, I was upside down on it. I had a 3.9% rate on it, so my credit was fairly decent.
My wife and I got a 2020 4Runner to replace it. The rate was 10%. At that time, I didn’t care, because we love that beast. I made it a goal to make at least 12+ payments. We just refinanced to 7% and I did not extend the loan. So payments will eat more of the balance. We still have it and it just got rear ended. It’s not totaled but makes my conviction to keep it stronger!
Your Mercedes is an absolutely amazing masterpiece. Keep at it! Haven’t missed a video on it!
I really enjoy having paid off vehicles and would rather have them than any other car if it comes with a payment. But some folks prefer to never pay them off or modify them and trade around instead. But to each their own 👍
I watch more RUclips than Tv too
I wasn’t wild about the lock of this car when you bought it, but those wheels absolutely transformed it. Love the wheels and the car.
☝️,ᗯᖇITᗴ ᗰᗴ ᗯITᕼ Tᕼᗴ ᗩᗷOᐯᗴ ᑌՏᗴᖇᑎᗩᗰᗴ Oᑎ Tᗴᒪᗴᘜᖇᗩᗰ...
that car is so nice man. Congrats and good to be watching your channel again.
What did u get? 10%??? Horrible times we live in 😑
Nah it's the good times. Teaching consumers a lesson in life to slow down inflation. I hope interest rates eventually get to 20%
@@AveGuy1 you honestly think its gonna teach a lesson? be so fr with yourself LMAO
I just got 7%… and I’m not rich or have good credit and am 30yrs old. I don’t get how people get such high rates.
@@AveGuy1 I think we should make the liberals pay these high rates because they caused it
@@AveGuy1 hahaaa i dont care either
First!!
LMFAO 🤣
Love the transparency!
That’s the first video I see from you and really have to say: Great stuff man, really enjoyed!
This guy seriously lacks business maturity. No offense, but what he is complaining about here was already obvious before he signed that check. I do like this channel for (and I mean this in the best way possible) almost naive fanboy enthusiasm about these cars. I wish him the best, but think he'd benefit from a little more common sense and (business) maturity.
Well I'm curious how you would've made this purchase?
I feel the same way. It's like a reoccurring thing with him. I personally would not have bought it. As much as I appreciate the transparency, I couldn't justify taking on an auto loan for an almost 10% interest rate regardless how much in love I am with a car. My priority would have been to invest in a house that had more than 1 garage. Ha! But hey, it's a beautiful car and Congrats! :)
So many of these guys on youtube buy these depreciated AMGs/BMWs/Porsches to brag and show them off, but lack understanding of how to maintain and/or afford the vehicle. Is it more about the car, or are they starved for attention?
You got what you wanted at the right price. We get down with you Mike, keep it going and make that $$$.
Another signature Autovlog video. Love em, love the AMG🔥🔥🔥
@AutoVlog1 let’s not
Thanks for sharing the information . It's what separates you and your content. Love the car!
☝️,ᗯᖇITᗴ ᗰᗴ ᗯITᕼ Tᕼᗴ ᗩᗷOᐯᗴ ᑌՏᗴᖇᑎᗩᗰᗴ Oᑎ Tᗴᒪᗴᘜᖇᗩᗰ........
That is my favourite car, I would definitely get one if I could afford it without a doubt. You are living the dream bro enjoy. I am looking forward to future videos on it 👍🏻
great to see the realworld numbers on your trade, the purchase, and the interest rate.
Yes!!! Finally some good content on Mercedes AMG. I'd love to watch maybe 100 episodes of this S65 coupe. Lets go!!! 🫡🥳 Bringing back the views 👏 🙌
you really seem to be a straight shooter my man
i’ve been watching your channel for years dude
i enjoy your content
i drive a 2015 chrysler 300S hemi
Love your vids dude, you always keep it real. Thanks
☝️,ᗯᖇITᗴ ᗰᗴ ᗯITᕼ Tᕼᗴ ᗩᗷOᐯᗴ ᑌՏᗴᖇᑎᗩᗰᗴ Oᑎ Tᗴᒪᗴᘜᖇᗩᗰ......
love the transparency!
I have not watched in awhile but, I happy to see you have added another AMG and its very unique good luck Ill make sure to tune in to see whats next
@Autovlogofficial. Hey sorry I didn't see this until now am I too late if so it's ok,I never win anything 🤣
Hey did you send this to me by mistake ?
Now my favorite Merc. You love what you are doing and can earn a living. You have a passion for this. Can't put an interest rate on that!
The starter engaging on the v 12 is so good to hear on start up.
Ouch! 9.2% is indeed steep. I enjoyed the video and share your joy for this SWEET AMG beast!
Aaaah, having kids is great. I was in the band in Highschool and worked with color guard, so I know cheering is equally demanding. Hope your daughter has fun. ( Just make sure they don't overwork her) . Hope you get that sponsorship. Happy Early Dad's Day!
Can’t wait to hear the exhaust bro. This is the car to make videos with. 🔥🔥
Makes me want to get a sedan s65 and do the same 😂
I love the AMG. Such a rare spec, even around here in Dallas. Well, except for the grandma’s whippin the S class coupes with fishbowl glass and stock rims!
Keep up the great videos. Well done
👌 thx Mike. Keep on posting.❤
☝️,ᗯᖇITᗴ ᗰᗴ ᗯITᕼ Tᕼᗴ ᗩᗷOᐯᗴ ᑌՏᗴᖇᑎᗩᗰᗴ Oᑎ Tᗴᒪᗴᘜᖇᗩᗰ...
loved the sticker AMG on the window HAHAHAHHA !!!
It cracks me up every time you make the funny voice imitating internet know-it-alls.
☝️,ᗯᖇITᗴ ᗰᗴ ᗯITᕼ Tᕼᗴ ᗩᗷOᐯᗴ ᑌՏᗴᖇᑎᗩᗰᗴ Oᑎ Tᗴᒪᗴᘜᖇᗩᗰ......