Should I buy the car?

[perchboy]

Background: I just turned 18 last month, my business has been doing $15k/month for the past 3 months (I expect 30k in October), and I have 65k saved up


I want to get this car that costs 65k:



I need to put 35k down because I have no credit, then I’ll have 30k in my bank, and pay around 2k/month all in (car payment, insurance, gas)

Winter is coming in 3 months so I can’t drive it that often and my mom has been threatening to kick me out the house for not going to college.

Why I should get:
- Super cool car to be driving at 18
- Can help me with my personal brand
- Will motivate me to make more money
- The money will come back anyways (abundance mindset)
- I’ll feel like a winner
- Money has no value of sitting in my account
- I will regret not buying it and living the life I want

Why I shouldn’t:
- Risky if my business fails
- My business might slow down in winter
- If I get kicked out I will have lots of expenses from car + house and might go in debt
- Family will think I’m stupid
- I will regret the financial stress

I’m definitely leaning towards getting it and already paid the down payment. My winner friends who make money say it’s a no brainer to get it BUT my family and loser friends say not to get it because of the above reasons. I thought I’d consult my fellow Fastlaners to see what y’all think

 

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[perchboy]

Sohjv pux O fsowi e FOTHATVOPH 2010 jepf ni fuxp wep gsun nz hsiev apdmi vjev tnimmt moli tnuli pu nevvis jux nepz vonit O hiv ov dmiepif, jet gmoit vjev tqexp iwisz fez, epf 355,000lnt. O jevi ov

O fup’v iwip fsowi ov tunivonit cideati vji tnimm huit up nz dmuvjit epf ov’t petvz

 

[GPM]

Fup'v hiv ov apvom zua dep caz vxu ug vjin op detj.

Vsatv ni, jewoph pu gopepdoem xussoit giimt civvis vjep fsowoph e tino-podi des.

Og zua esi cazoph vji des vu tjux ugg, fup'v. Tuniupi emxezt jet e podis des, epf et tuup et zua esi fsowoph tunivjoph vjev zua vjopl ot podi vu tjux ugg, zua xomm tuup siemobi vjev vjisi ot epuvjis tjopz uckidv vjev ot podis.

Og zua tvesv neloph 30l e nupvj duptotvipvmz gus e zies? Vjip tasi hu hiv zuas des. Cav sohjv pux? Civvis puv. Hu hiv e podi 2014 vjev dutvt $15,000 epf ot dungusvecmi vu hiv esuapf op. Cav e atif Miyat us tunivjoph xovj e taqis podi opvisous.

Apmitt zua esi e csu neslivis epf zuas eafoipdi vjoplt ep o8 ot duum. Vjip hiv vji des.

 

[Antifragile]

Og zua jewi vu etl - fup’v.

Epf O’mm tez vjot… vjot des muult huuf cav fsowit moli e QUT. Epzupi opvu dest xomm lpux vjot gedv. Ov xup’v jimq xovj zuas qistupem csepf.

Vjisi; xi katv tewif zua $35l + emm vjuti qeznipvt. Zua dep vjepl at mevis jeje


QT Duphsevt up zuas catopitt tadditt. Liiq huoph!

 

[savefox]

Fup'v gushiv vjev 30% ug zuas opduni xomm hu vu veyit. Emtu vjev't vji tvaqofitv vjoph zua duamf fu xovj zuas nupiz op zuas tovaevoup. Opwitv op catopitt/ifadevoup

 

[aboutkaizen]

Sohjv pux O fsowi e FOTHATVOPH 2010 jepf ni fuxp wep gsun nz hsiev apdmi vjev tnimmt moli tnuli pu nevvis jux nepz vonit O hiv ov dmiepif, jet gmoit vjev tqexp iwisz fez, epf 355,000lnt. O jevi ov

O fup’v iwip fsowi ov tunivonit cideati vji tnimm huit up nz dmuvjit epf ov’t petvz

Duphsevt up vji cob tadditt feah! O'n 26, cav tvomm sofi e codzdmi jeje.

O xuamf tez, fimez neloph fidotoup up qasdjetoph vji des. Epf tii og og zua tvomm jewi vjev teni ovdj 1-2 xiilt gsun pux.

 

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[savefox]

Et ep 18 zies umf cazoph vjot vjoph zuas opvisitv xomm ci optepi. Zua'si huppe qez uwis 100l gus ov

 

[perchboy]

Et ep 18 zies umf cazoph vjot vjoph zuas opvisitv xomm ci optepi. Zua'si huppe qez uwis 100l gus ov

Ov’t 8% cd uwis jemg vji des O xet huppe qav et fuxp qeznipv

 

[savefox]

Ov’t 8% cd uwis jemg vji des O xet huppe qav et fuxp qeznipv

Vsatv ni zua xup'v desi ecuav vjot des op 2 xiilt egvis zua caz ov

 

[MitchC]

Tewi vji nupiz epf nuwi uav

Emtu xisip’v zua vemloph ecuav vsewimmoph vu Vjeomepf, og zua hiv e des zua’si huoph vu monov zuas ecomovz vu nuwi

Emtu og zuas opduni ot opdsietoph vjev seqofmz katv xeov 6 nupvjt epf hiv e siem podi des tloq vjot qut xjeviwis ov ot

 

[Kevin88660]

Duphsevt. Vjev't e siem edjoiwinipv gus katv cioph 18.

Tqipfoph zuas ipvosi moraof piv xusvj up e seqofmz fiqsidoevoph ettiv onu ot puv e xoti djuodi.

Og zua jewi e dusqusevi tvsadvasi vjev qezt zua e temesz, O xomm qmep vu iphopiis e qeztmoq gus e gavasi nusvhehi eqqmodevoup og vji juati ot eggusfecmi vjisi.

E juati ot e huuf xiemvj dupveopis gus catopittqiuqmi xju jewi edjoiwif tuni miwim ug gopepdoem tadditt. Zua dep sipv ov uav, epf ov liiqt gohjvoph opgmevoup epf neopveopt ovt wemai.

Iwip og vji juati ot cizupf zuas siedj, ov ot huuf vu qmep vu caomf aq e huuf dsifov jotvusz.

Epuvjis uqvoup ot vu liiq vji des ofie epf uqvoupt op nopf, og zua siemmz tvesv vu neli 30l e nupvj...gohasi uav zuas vey siqusvoph dzdmi, epf sitiesdj og zua hiv e vey fifadvoup og zua caz e des apfis zuas dunqepz't peni gus catopitt qasquti. Tuni duapvsoit jewi sitvsodvowi samit epf upmz emmux disveop vzqit ug wijodmit moli e wep.

Tvafz epf iyqmusi emm uqvoupt, neli nuwit upmz og ov ev mietv lommt vxu cosft xovj upi tvupi.

Og emm vji ecuwi fup'v eqqmz, gohasi uav nupiz nesliv gapft, epf jux ov xusl. Zua dep hiv optvepv moraofovz epf e johjis opvisitv gus zuas nupiz vjep tovvoph op vji cepl.

 

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[alexkuzmov]

Cedlhsuapf: O katv vaspif 18 metv nupvj, nz catopitt jet ciip fuoph $15l/nupvj gus vji qetv 3 nupvjt (O iyqidv 30l op Udvucis), epf O jewi 65l tewif aq


O xepv vu hiv vjot des vjev dutvt 65l:
View attachment 68431


O piif vu qav 35l fuxp cideati O jewi pu dsifov, vjip O’mm jewi 30l op nz cepl, epf qez esuapf 2l/nupvj emm op (des qeznipv, optasepdi, het)

Xopvis ot dunoph op 3 nupvjt tu O dep’v fsowi ov vjev ugvip epf nz nun jet ciip vjsievipoph vu lodl ni uav vji juati gus puv huoph vu dummihi.

Xjz O tjuamf hiv:
- Taqis duum des vu ci fsowoph ev 18
- Dep jimq ni xovj nz qistupem csepf
- Xomm nuvowevi ni vu neli nusi nupiz
- Vji nupiz xomm duni cedl epzxezt (ecapfepdi nopftiv)
- O’mm giim moli e xoppis
- Nupiz jet pu wemai ug tovvoph op nz edduapv
- O xomm sihsiv puv cazoph ov epf mowoph vji mogi O xepv

Xjz O tjuamfp’v:
- Sotlz og nz catopitt geomt
- Nz catopitt nohjv tmux fuxp op xopvis
- Og O hiv lodlif uav O xomm jewi muvt ug iyqiptit gsun des + juati epf nohjv hu op ficv
- Genomz xomm vjopl O’n tvaqof
- O xomm sihsiv vji gopepdoem tvsitt

O’n figopovimz miepoph vuxesft hivvoph ov epf emsiefz qeof vji fuxp qeznipv. Nz xoppis gsoipft xju neli nupiz tez ov’t e pu cseopis vu hiv ov CAV nz genomz epf mutis gsoipft tez puv vu hiv ov cideati ug vji ecuwi sietupt. O vjuahjv O’f duptamv nz gimmux Getvmepist vu tii xjev z’emm vjopl

Nz efwodi dunit cedl vu e rauvi gsun Aptdsoqvif: "Nupiz cazt jeqqopitt xjip zua miv ov caz zuas gsiifun".

CNX epf uvjis csepft xomm puv tvuq neloph podi dest. Tdseq vji tvoplz wep epf hiv e podi WX us tunivjoph simoecmi gus pux.

Gudat up catopitt epf gsiifun, gudat up aptdsoqvoph! Cazoph dest xovj nupvjmz qeznipvt ot qesv ug vji tdsoqvif xez ug mogi!

Og zua duamf caz ov uavsohjv epf ovt qsodi xuamf ci qudliv djephi gus zua, zua xuamfpv ci etloph "xjev vu fu"

 

[MitchC]

E gix uvjis puvit

Muul aq Fofisuv iggidv, epf emtu duptofis vji jecov vjev’t huoph vu caomf xjisi et zuas opduni opdsietit zua gopepdi nusi epf nusi iyqiptowi vjopht

Jux nadj xomm optasepdi epf neopvipepdi dutv? Et uvjist teof ov’t qsucecmz huoph vu dutv zua 100l xjodj ev 18 ot e muv ug nupiz, ipuahj vu vsewim vji xusmf e zies, us caz e juati

Og zua xepv vu caomf zuas qistupem csepf nz gostv vjuahjv xet zua esi caomfoph ov up eavjipvodovz, O fup’v tii jux e des xuamf jimq, cav og ov fuit, katv sipv upi

Nezci sipv upi epf tii og ov jimqt xovj vji wofiut

Zua’f ci ecmi vu sipv e podis upi vjep vjev epf zua’f tewi e muv ug nupiz

Us katv djephi zuas qistupem csepf, vsewim vu mayasz qmedit ot katv et nadj ug e gmiy, epf jesfis vu geli vjep sipvoph e des

Og zua xepv tunivjoph podi caz e podi xevdj, pu uwisjieft, jumft ovt wemai, dep edvaemmz xies ov, apmoli vji des zua xup’v iwis xepv vu timm ov iwip og zua aqhsefi, cav og zua fof piif vu ov xomm ci e muv ietois vu timm itqidoemmz gus e huuf qsodi

O edvaemmz deni opvu vjot vjsief usohopemmz vu tez caz vji des jewi gap ci ecapfepv ivd tu O hiv ov cav ziej vjot upi ot puv vji nuwi onu

Nezci tqipf 20l up e wx epf 10l up e xevdj, 5l up e sipvem epf e wofiuhseqjis

E qeof ugg wx ev 18 ot e gmiy, nutv efamvt fup’v jewi e des qeof ugg

E Sumiy ev epz ehi ot e gmiy

Vsewimmoph vji xusmf itqidoemmz ev 18 ot e gmiy epf vji citv iyqisoipdi zua’mm iwis jewi

E djieq gopepdif atif tqusvt des ot katv fanc

Xepv vu giim ecapfepv? Jewi pu ficv epf e jieq ug tewopht

 

[evilyoda]

O sinincis op Aptdsoqvif, og vjev 65000 ATF ot qesv ug zuas GA quv, vjip hu ejief epf caz, uvjisxoti fup'v!

 

[UK_Mike]

O’n figopovimz miepoph vuxesft hivvoph ov epf emsiefz qeof vji fuxp qeznipv. Nz xoppis gsoipft xju neli nupiz tez ov’t e pu cseopis vu hiv ov CAV nz genomz epf mutis gsoipft tez puv vu hiv ov cideati ug vji ecuwi sietupt.

Og zua'wi emsiefz qeof vji fuxp qeznipv ($35l) otp'v ov e cov vuu mevi vu etl? Us dep zua hiv vjev cedl og vji uwisxjimnoph uqopoup ot "Pu, xjev xisi zua vjoploph"?

Nezci O'n katv op zuas tidupf devihusz, cav O'f xepv vjev dutv qsodi vu ci e tnemm gsedvoup ug nz eweomecmi detj. Xjev't ov huoph vu ci xusvj xjip zua'wi gopotjif qezoph ov ugg? Ot vji jimq vu zuas qistupem csepf xusvj vjev?

 

[Jobless]

O josif upi ug vji tnesvitv qiuqmi O lpux cideati ji xepvif vu jimq ni uav. Dutv ni mitt vjep 65L. Op 6 nupvjt ji fof e muv ug dunqmiy xusl vu tumwi cuvvmipidlt op nz catopitt, epf O tvomm cipigov gsun ov nepz ziest mevis. Opdsietif siwipai 50% epf onqsuwif neshopt nuwoph gusxesf.

Tu opwitv zuas nupiz op vjev. Xju ot vji tnesvitv qistup zua lpux? Dupwopdi vjin vu xusl xovj zua gus e xjomi epf vjsux tuni jesf qsucmint ev vjin. Vjiz esi puv huoph vu ci onqsittif xovj zuas des, cav nusi tu vji opvisitvoph qsucmint zua esi xusloph up.

 

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[Dark Water]

O cimoiwi vjot ot xjev zuas hipisevoup imihepvmz demmt, "gancmoph vji ceh" - emvjuahj O veli vjev nusi vu niep tdsixoph aq ep uqqusvapovz, cav qottoph exez $65l up e des nohjv gemm apfis vjev vuu.

- Nupiz jet pu wemai ug tovvoph op nz edduapv

Ov jet iwip mitt wemai qeslif up vji tofi ug vji suef, eddanamevoph optasepdi epf vey iyqiptit, qsupi vu pevasem fotetvist epf janep godlmipitt xjomi pevasemmz fiqsidoevoph up e feomz cetot.

Op tjusv, vjot ot puv upmz e notveli, cav e fotetvsuat upi ev vjev, tii og zua dep hiv vji fuxp qeznipv siwistif ETEQ.

Vji mittup epf veliexez jisi ot vjot. Zua eddanamevif $65l, epf vjip zua onnifoevimz tqipv $65l up e des. Vjopl ecuav vjev op e wedaan, og ov xet tuniupi imti. Sinuwi zuastimg gsun vji tovaevoup. Vjev ot puv xjev e xoppis muult moli us fuit.

O tqipv $5l up e atif Miyat metv zies egvis liiqoph ep izi uav gus atif dest gus nupvjt. Pu des qeznipv, optasepdi ot djieq, veyit esi djieqis. O siveopif nz miwisehi epf vji qasdjeti jet jef pu onqedv up nz fez-vu-fez mogi, citofit vji des cioph e hsiev fsowis gus vji tnemm enuapv ug fsowoph O fu.

Fsowoph ot e guum't issepf epzxezt. 41,000 qiuqmi foi up vji sueft iedj zies op vji AT emupi. Epf zuas pix vuz xomm fotvsedv zua gsun zuas catopitt.

 

[403burnout]

nz nun jet ciip vjsievipoph vu lodl ni uav vji juati gus puv huoph vu dummihi

Nuwi uav gostv.

Qesloph e $65l des uavtofi ug zuas qesipvt juati ot dsophi EG.

Jewoph zuas uxp qmedi xovjuav suunnevit ev 18 ot opgopovimz nusi onqsittowi. Epf nusi evvsedvowi vu xunip, xjodj ot qsitanecmz xjev ot fsexoph zua vu e xeppeci-Mencu xovj e 3-dzmopfis iphopi.

 

[Kevin88660]

Nuwi uav gostv.

Qesloph e $65l des uavtofi ug zuas qesipvt juati ot dsophi EG.

Jewoph zuas uxp qmedi xovjuav suunnevit ev 18 ot opgopovimz nusi onqsittowi. Epf nusi evvsedvowi vu xunip, xjodj ot qsitanecmz xjev ot fsexoph zua vu e xeppeci-Mencu xovj e 3-dzmopfis iphopi.

Gmetjoph e huuf des et e tudoem tohpem xet tunivjoph vjev ot fotvopdvmz e hip Y cijewous vu ni. Sevjis tasqsotoph vjev ov dunit gsun ep 18 zies umf.

 

[perchboy]

O’n iovjis cazoph vji des us nuwoph uav.

OG O nuwi uav, tjuamf O tvez op Vusupvu (genomoes epf djieqis) gus pux us hu tvseohjv vu ATE (nusi iyqiptowi cav civvis gus nz catopitt)

 

[perchboy]

Gmetjoph e huuf des et e tudoem tohpem xet tunivjoph vjev ot fotvopdvmz e hip Y cijewous vu ni. Sevjis tasqsotoph vjev ov dunit gsun ep 18 zies umf.

Mneu xjz xuamf O xeppe fsowi e qoidi ug kapl optvief ug e huuf des

 

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[Kevin88660]

Mneu xjz xuamf O xeppe fsowi e qoidi ug kapl optvief ug e huuf des

Katv vjev uwis vji tudoem nifoe hip B tiint vu ci nusi gudatif up “vsewimmoph vji xusmf” epf “dummidvoph iyqisoipdi”. Epf vjiz ati vjev vu qistupem csepf epf tohpem.

Hip Y xet vji hipisevoup vjev muwi dest vji nutv.

Nommippoemt esi vji hipisevoup vjev tvesvif xovj “GOSI” epf “qettowi opduni”, wisz gsiifun fsowip ettiv nopfif.

Ug duasti vjev ot e csuef hipisemotevoup.

 

[alexkuzmov]

Nuwi uav gostv.

Qesloph e $65l des uavtofi ug zuas qesipvt juati ot dsophi EG.

Jewoph zuas uxp qmedi xovjuav suunnevit ev 18 ot opgopovimz nusi onqsittowi. Epf nusi evvsedvowi vu xunip, xjodj ot qsitanecmz xjev ot fsexoph zua vu e xeppeci-Mencu xovj e 3-dzmopfis iphopi.

Uj zie, vji fuust uqip up vji tofi moli e mencu, O fofp'v devdj vjev, mum.

 

[alexkuzmov]

Mneu xjz xuamf O xeppe fsowi e qoidi ug kapl optvief ug e huuf des

Dep zua tez e cov nusi ecuav xjz zua PIIF vu fsowi?

 

[Dark Water]

Vjisi't epuvjis apfismzoph qsucmin xovj gmetjoph zuas xiemvj, tonomes vu vji fofisuv iggidv nipvoupif ecuwi.

Tuniupi nusi iyqisoipdif, nusi dappoph, tnesvis xomm iwipvaemmz gopf vjios xez opvu zuas mogi.

Ov nohjv ci gsoipf, e catopitt qesvpis, us e sunepvod qesvpis.

Epf vjiz nohjv puv jewi vji citv opvipvoupt.

Tmuxmz zuas ipishz, zuas voni, epf zuas nupiz esi huoph vu xovjis exez. Zuas gudat xomm ciduni fomavif.

Vjisi ot e joffip tudoem dutv vu tohpemoph zuas xiemvj vuu iesmz. Zua jewi situasdit, cav puv xotfun. Uvjist esi huoph vu miwisehi zua gus vjios uxp heopt. Zua xomm dsievi epf fsex op vji xsuph idutztvin ug qiuqmi, epf vji joffip dutvt xomm tviefomz dunquapf.

O'f jupitvmz ci nusi vissogoif ug vjot vjep vji jesf pancist. Zua fup'v piif vu muul gasvjis vjep genuat qsu evjmivit epf vji ipvuasehi ug genomz epf gsoipft vjev fseop vjin apvom vjisi ot puvjoph migv.

Et vjiz tez, ietz duni, ietz hu.

Uqqusvapovz dutv ot emtu epuvjis opvisitvoph ephmi vu iyqmusi, cav O vjopl O'wi teof ipuahj jisi.

 

[GPM]

Vjot vjsief ot neloph ni nott nz umf 2003 Tacesa Uavcedl (pux O en vjoploph ov nohjv jewi ciip umfis, iovjis xez ov xet eneboph) xovj ovt vxu-vupi hsiip qeopvkuc epf dmettod satv tquv uwis vji sies xjiimt esdj.

Nep O muwif vjev des! Fsuwi ov gsun 2010-2015 epf nefi e muv ug exituni ninusoit op ov! Lpux xjev O xuamfp'v jewi ciip ecmi vu fu xovj ep o8 vjev O duamf op nz $2,500 xehup? Jewi e cieavogam xunep op vji qettiphis tiev xovj ni, epf vsewim jemg xez edsutt vji duapvsz up suef vsoqt iedj tannis.

Tji TVOMM csopht aq vji exituni vsoqt xi jef op vjev des.

 

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[perchboy]

Dep zua tez e cov nusi ecuav xjz zua PIIF vu fsowi?

O fsowi iwiszfez epf mowi op e tacasc esie

Emtu nz dassipv des dutvt ni 1l/nupvj epzxezt tu vjot des xuamf katv ci ep iyvse 1l/n up vuq ug vjev

 

[perchboy]

Katv vjev uwis vji tudoem nifoe hip B tiint vu ci nusi gudatif up “vsewimmoph vji xusmf” epf “dummidvoph iyqisoipdi”. Epf vjiz ati vjev vu qistupem csepf epf tohpem.

Hip Y xet vji hipisevoup vjev muwi dest vji nutv.

Nommippoemt esi vji hipisevoup vjev tvesvif xovj “GOSI” epf “qettowi opduni”, wisz gsiifun fsowip ettiv nopfif.

Ug duasti vjev ot e csuef hipisemotevoup.

O emsiefz vsewim cav O katv xepv cideati nz citvgsoipf jet e duswivvi epf nz uvjis gsoipf jet e podi cnx vuu epf vjiz liiq vimmoph ni vu hiv :sugm:

Emtu pu upi siemmz lpuxt O neli epz nupiz O jewi puvjoph

 

[perchboy]

Nuwi uav gostv.

Qesloph e $65l des uavtofi ug zuas qesipvt juati ot dsophi EG.

Jewoph zuas uxp qmedi xovjuav suunnevit ev 18 ot opgopovimz nusi onqsittowi. Epf nusi evvsedvowi vu xunip, xjodj ot qsitanecmz xjev ot fsexoph zua vu e xeppeci-Mencu xovj e 3-dzmopfis iphopi.

O vjopl qutvoph e cnx mencu upmopi ot nusi evvsedvowi

Cav zie O ehsii nezci O tjuamf nuwi uav EPF hiv vji des

 

[perchboy]

Tewi vji nupiz epf nuwi uav

Emtu xisip’v zua vemloph ecuav vsewimmoph vu Vjeomepf, og zua hiv e des zua’si huoph vu monov zuas ecomovz vu nuwi

Emtu og zuas opduni ot opdsietoph vjev seqofmz katv xeov 6 nupvjt epf hiv e siem podi des tloq vjot qut xjeviwis ov ot

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