im 30 years old and im worth 550k but ive never - /o/

Anonymous10/14/25, 17:25No.28670790

I’m 30 years old and i’m worth $550k. But i’ve never bought a car and i’m scared shitless at the thought of buying one. How do I get over this and bite the bullet. I don’t even want anything crazy just a top trim camry or accord but I have no clue dealing with the sales people. My cars have always been hand me downs from my parents/siblings. Is this even a good time to buy, I heard car loans are rapidly going to default.

Replies

Anon10/14/25, 17:26No.28670794

>tfw 32 years old and only worth 1.2 million USDIt's over, isn't it?

Anon10/14/25, 17:27No.28670795

>I’m worth 550k >loans Nice thread, retard.

Anon10/14/25, 17:34No.28670806

Do all your negotiating with the 'internet sales' team (ie, email with the dealer). know what you can afford, know EXACTLY what car you want on their lot (buy from inventory as they have more incentive to get it off their books), know EXACTLY what other people are paying for that vehicle (specific make forums etc.), know about the various 'gotchas' like undercoating, 'ceramic' wax, carpet treatment, etc etc. and be prepared to ignore them. Negotiate over email with the sales guy until you have NAILED DOWN a price youre willing to buy it for, so when you walk in you'll be buying and walking out with the car in 2-3hrs if you have your financing already arranged and teh money is in your account so you just write a check or wire it. dude just use your powers of autism and recognize you dont want to talk to, see or meet anyone until the parameters of the deal are fully documented. ez

Anon10/14/25, 17:46No.28670821

its really not a big deal anon, if you have some of that net worth liquid just but a car outright

Anon10/14/25, 18:40No.28670867

Check manufacturer inventory website Get a feel for cash msrp and options Check invoice price Select dealer State price >yes write check >no leave It's that easy If it takes longer than an hour leave

Anon10/14/25, 18:55No.28670893

you sound like a bitch op

Anon10/14/25, 18:59No.28670902

Research what you want online. Go to the dealership knowing what you want. Salesperson is just trying to make commission and upsell, let them do their thing and then buy what you researched. Car loans only go into default if you don't pay them, but you probably won't have a problem there.

Anon10/14/25, 19:06No.28670922

My aunt gave me a car before But when i had to buy my own [2020 corolla] i went mentally insane from the debt. I paid the whole car in cash it was $23k with 7 year warranty that i never needed.

Anon10/14/25, 19:08No.28670925

didn't you hear? chudjak is a chad now.

Anon10/14/25, 19:08No.28670928

>31 >net worth $85k

Anon10/14/25, 19:55No.28671024

When you buy look at "less is more" and get the most basic model you can. Don't look at top trim, look at WHAT YOU WILL USE.I just bought my first new vehicle and I bought a base model and it's luxurious as FUCK compared to even luxury vehicles from 2010. Vehicles are just packed so heavy with shit and problems + cost explode with add-ons. Start at the bottom and work your way up. Do not get dealer extras, just build something online going in with a target, then try to find it on a lot. Don't be afraid to walk away after a test drive. Try the others, watch YouTube comparisons.One main suggestion I have for you is avoid turbos and get a hybrid instead

Anon10/14/25, 20:37No.28671120

Humblebrag thread. Go buy a car pussy

Anon10/14/25, 20:41No.28671122

>My cars have always been hand me downs from my parents/siblings. Nothing wrong with that.

Anon10/14/25, 20:52No.28671138

I'm 27 and worth about 5 dollars and a sad handjob

Anon10/14/25, 20:53No.28671141

I'll be honest I go to /o/ for financial advice and go to /gif/ for relationship advice kek. Anyway I'm 33 and don't have anything close to you guys cuz I had to support my sister and elderly parents during covid so I don't have much. My mom keeps send me Pavel Durov bullshit saying it's ok not to own anything. But I would indeed like to own something besides my VW shit box. My question is how do I grow my wealth if I only got 1-1.5k a month to spend after taxes deductions and family burdens? Typically make 115k a year. Do I get another job?

Anon10/14/25, 22:29No.28671300

Mid-range or base model Toyota Corolla. Steel wheels if you can get them. Most popular car in the world. If they sell the Camry in your country consider that instead.Most car-like cars you can get and if looked after will last thirty years.

Anon10/14/25, 23:31No.28671384

get an FJ you faggothttps://youtu.be/JKrV66NB6O8?si=rX_tgbsIFKis7iVqhttps://youtu.be/ih_c_kVQVJk?si=UmUltWiGYqMclnoOhttps://youtu.be/ZJDv-7tzh40?si=I6Z7H3ITfPUp0ZD6https://youtu.be/-57cQZbTCJ8?si=DIJbfDt03GsUI4-w

Anon10/14/25, 23:48No.28671409

1) special order unless they have exactly what you want on the lot 2) don't finance if you don't have to 3) remember: everything (price, financing, trade-in if you have one) is negotiable 4) you will generally be better off at a branded dealership (they will catch hell from the franchise owner if they dick you around) e.g. Toyota/Honda than at "Randy's Fly-By-Night Car Lot, We Finance ANYBODY". 5) Win-win or no deal. Don't be afraid to walk away if it seems like they are trying to cheat 6) Realize that most car salesmen are not car guys, so they may not ha ve all the answers. GOOD LUCK!

Anon10/15/25, 00:00No.28671418

https://youtu.be/wWXnHUywnnA?si=OVv5YwSBfHiZNyJj

Anon10/15/25, 00:54No.28671472

>more money than me >more incompetent than meEVERY TIME

Anon10/15/25, 01:33No.28671525

>Is this even a good time to buy, I heard car loans are rapidly going to default. That makes it a good time to buy because dealerships are desperate for cash flow. Look at any dealer’s website and cars are $2-5k below MSRP and it’s likely to get even better in the near future.As for a car, just buy a Camery or Accord in cash and forget about it.

Anon10/16/25, 19:17No.28674309

stick to uber, you can't handle the torque

Anon10/16/25, 19:47No.28674359

>worth $550k funny way to say you have a 500k mortgage and 50k in the bank

Anon10/16/25, 21:41No.28674472

Don't know your entire situation but I think your family is taking advantage of you. Definitely don't let them know about your assets. I'd do anything for my family, but I don't have to support them and they don't ask for help that often.

Anon10/16/25, 21:49No.28674483

>29 / male (true xy born) >791 credit >$13k in bank account How cooked am I?

Anon10/17/25, 02:30No.28674871

>$550k You cant even buy a condo in that democract diaspora you call home.Meanwhile I make $38k a year and own (actually paid off) a 5 bedroom brick house on 12 acres because im not fighting 3 million illegals for a paycheck. Well.... Youre probably one of those spics that jumped the border illegally so fuck off. California will burn to the ground and we'll reclaim it.

Anon10/17/25, 16:16No.28675659

Pay me 3k and I'll save you 5k on a new car (or 1k and I'll save you 3k on a used car.) I am a high-level sales rep and I do this for my job. I've negotiated my GR86 down from $32k to the wholesale price of $26k and got a 4% Interest rate loan.

Anon10/18/25, 17:52No.28677508

>But i’ve never bought a car and i’m scared shitless at the thought of buying one. Buy a Toyota Corolla hybrid or a Prius. It is the equivalent of phoning it in if you need to have a car, and it's very hard to go wrong with one.