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A median income earner buying the median priced car that now costs ,000 in 2019 is financial suicide.Who spends ~81% of their gross salary on the purchase price of a car?Don’t trade it into the dealer because you’ll get railroaded. For the life of your car loan, take away a food you love to eat such as chocolate.If you are a coffee addict, swear never to drink that stuff again!Furthermore, the thrill of owning a new or new used car lasts for only several months, but the pain of paying the same car payment lasts for years. When you buy a car you lose the opportunity of investing your money in assets that will likely grow and pay you dividends in the future.Everybody knows to save early and often to allow for the effects of compounding. Imagine how much money you would have accumulated if you invested 0-0 a month in the stock market since 2009 instead of paying for a car? When you pay more than 1/10th your income for a car, you will become more stressed.Don’t expect the government or your rich Uncle to bail you out.
It’s kind of a tradition around here that my readers convert my ebooks to their favorite formats and send them to me here, and it’s one that I love!You stop caring about door dings, bumper scrapes, even break ins. You start thinking stupid thoughts like: I’ve got to buy a matching chronometer watch, driving shoes, and outfit.You start paying for valet because you want people to see you come out of your car instead of park for free. Deep down, you know that if you can’t pay cash for your car, you can’t afford the car.The thrill of owning a nice car fades after about six months. Look, everybody makes dumb financial moves all the time.
The important thing is to recognize your mistake, stop, and fix it!
If you make the median per capita income of ~,000 a year, limit your vehicle purchase price to ,200 if you must buy one.