• There has been a recent cluster of spammers accessing BARFer accounts and posting spam. To safeguard your account, please consider changing your password. It would be even better to take the additional step of enabling 2 Factor Authentication (2FA) on your BARF account. Read more here.

So, Dave Ramsey....on car buying....

Bubba_s said:
That one time he brought a loaded gun into work and brandished it to make a point about snitches was hilarious!!

getting out of debt is good but the guy is an ass.
Click to expand...

that ^^ was interesting. I did not know about it, so I looked it up and I guess it's true, here's one thing about it.

I was wondering how come there's a thread created on here, specifically 'h8in' Dave's advice out of the blue. But the above link also says that there's a plethora of pages and vids bashing his advice, so maybe it's a thing. :dunno

I think it's obvious: his advice is good for non-BayAreans who are on different income. ... :x (as posts above by J R and others have said. )
Also thanks for those who posted with the numbers: the screen shot in the OP is "semi-correct" , yes it could/would yield you a million! .. But .. depending on who's posting, for some waiting thirty years would be too late...

What the OP is incorrect in, is that the screenshot does NOT advise to buy "a $2k clunker with issues"!

YMMV.
 
Last edited:
Blankpage said:
I was thinking 500/month sounds horrible but I paid cash for my car and crunching the numbers it costs more than what that payment works out to over five years. Just sounds bad as a monthly payment. Although I bought an Acura, nothing fancy but bet it lasts a decade or more which as someone mentioned will work out to a lot less than 500/month.

Car prices look insane until you check out bicycle prices and in comparison you get a lot more for your money with a car.
Click to expand...

High end bicycle prices are insane. I know. :teeth Yet, there is no insurance, license, parking, ect. If I was truly poor, I would probably be car free. Yet, a beater $2000 car is real not that bad on maintenance today. I just sold one. One it for over a decade.
 
yodaisgod said:
idif5yr2x6p61.png


Let's say all I can afford is a $2k clunker with issues. Oh fuck, trans all fucked up because I'm too poor to maintain it properly. Will cost $1k to fix. Well shit, now this $2k car has cost me $3k. Maybe I should have purchased a $3k car with less issues. Oh no! $3k car now has a blown motor because, again, I'm too poor to properly maintain it. I gots bills to pay and five kids to feed!

At what point should I use that $2k or $3k with my shit credit to go buy a better car to make weekly $100 payments at a local Credit Cars lot where if I miss a payment by a day, they repo my shit?!

Oh, Dave Ramsey. How do I ever get out of this suck hole?! I guess live like a pauper for 40-50 years then enjoy life with only what, 10, MAYBE 20 more years? Fuck that. I'll live within my means now, enjoy life and keep saving for retirement.

Remember no one cares if you die the richest person in the cemetery.
Click to expand...

So instead of a hypothetical, how much cash can you actually pony up for your car?
 
On the one hand I understand the importance of living within your means. On the other hand I don't think life should be grueling if it doesn't have to be.

Sometimes it's hard to find that ballance.
 
It's a balancing act. You MUST have a reliable means of transportation. I grew up poor and I saw other (poor) relatives buy POS (shared among several people) cars, lose their jobs because they could not get to work. I grew up believing that you were a moron to buy an expensive car, but that you MUST have a reliable vehicle, or two, to ensure that you always get to work.

I didn't buy an 'expensive' car (my 2018 Mustang GT Premium) until I paid off my house-- at 55 y/o.
 
Back to Dave Ramsey.

Don't work for Dave if you have a sex life, are single and think long term employment is how you pay for things you borrow money to own
 
Blankpage said:
I don’t smoke. Instead of a boat I bought a car.
Click to expand...

Did you finance it for $600 a month? :laughing

In the bay area who gives a shit about the cost of consumables. As a percentage of income it's really not that much of a concern. Here it's all about figuring out tricks to not have to pay someone $150/hr for a basic service/skilled labor.
 
Dave ramsey is a joke. $500/mo does not become $5 million at retirement even if you started at like age 22-23. In fact it probably doesn't even eclipse $2M. what the fuck is this guy even talking about
 
lefty said:
It's a balancing act. You MUST have a reliable means of transportation. I grew up poor and I saw other (poor) relatives buy POS (shared among several people) cars, lose their jobs because they could not get to work. I grew up believing that you were a moron to buy an expensive car, but that you MUST have a reliable vehicle, or two, to ensure that you always get to work.

I didn't buy an 'expensive' car (my 2018 Mustang GT Premium) until I paid off my house-- at 55 y/o.
Click to expand...

This has always been my issue with the elites basically making it expensive to even have a car in California via reg fees, insurance, etc. We still have the big state, big geography even while people idealize Japan and their whole engine swap bit etc etc et. Yeah, we're just like a tiny, packed country with a lot of reliable albeit crowded public transit. Just like it. Just like Europe, too.

Poorer people are least likely to have a well-running newer car and they are also most likely forced into the longest commutes. So for years, they have been punished by ever increasing gasoline and above-mentioned. Everytime I got on vacation to Monterey, I see the ribbons of pavement that link the service workers from Salinas and beyond to the tony coastal area. No bullet train there, yeahboyee.

I know, people get all worked up and argue that they must adapt, but considering most of our state bigshots have state cars and drivers to boot, they have never suffered the consequences of their idealistic actions.

As for Dave Ramsey, I'm sure he'd rather you spend money on his merch than have a nicer car. C'mon get with the program and know your place.
 
Last edited:
You must log in or register to reply here.
Back
Top