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Am I Being Unreasonable?

 
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Old 06-12-2015, 06:40 AM   #41
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Re: Am I Being Unreasonable?


The good thing about trucks is that they hold there value.

My 06 F350 with 147k on it blue books around 16k still, 2k less than I paid for it.

With that logic, by "her" a truck that you like so you can use it.
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Old 06-12-2015, 06:43 AM   #42
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Re: Am I Being Unreasonable?


Quote:
Originally Posted by BamBamm5144 View Post
The good thing about trucks is that they hold there value.

My 06 F350 with 147k on it blue books around 16k still, 2k less than I paid for it.

With that logic, by "her" a truck that you like so you can use it.
And then, after the divorce.....
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Old 06-12-2015, 06:56 AM   #43
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Re: Am I Being Unreasonable?


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Originally Posted by Californiadecks View Post
Traffic is much better in a luxury car vs. a beater.
I just dont get it I guess. I wouldnt make my wife drive a beater.

Road in traffic in a Maybach, it wasnt 300k better than a fusion. My clients have really nice cars, one has a decked out range rover, a 2014 Ferrari, a souped up jeep, and a porsche. He said sometimes (at his level of income) you get the upgraded version because you want to buy yourself something with a purpose (like a ferrari)

To each their own, we rather get more property with our money and if it meant a loan, I would have to say no way, no how.
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Old 06-12-2015, 08:55 AM   #44
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Re: Am I Being Unreasonable?


If she is contributing to the household income, then she should have a proportional say as to how you handle your finances. Reasonable is not just a monetary decision as to budget, it can be an issue with your relationship. A good relationship will balance the tendencies of each spouse.

At this point in your life, what is the likelihood that in 5 years, you will both look back and say it was a bad decision to allow her what she wants? Will you subconsciously resent "giving in" to her desires and somehow feel you are not in control?
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Old 06-12-2015, 09:01 AM   #45
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Re: Am I Being Unreasonable?


Life is short and German cars are awesome.
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Old 06-12-2015, 10:16 AM   #46
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Re: Am I Being Unreasonable?


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Originally Posted by Californiadecks View Post
Why does everything have to be an investment?
I agree. At what point do we give practicality so much priority that we take the fun, spontaneity, and enjoyment out of life?

I have a vehicle that is bare-boned basic and I have one that's fully loaded. The one that's loaded is much better to drive in heavy traffic. Sometimes I enjoy the luxury so much that I get a little disappointed when the traffic starts moving again.
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Old 06-12-2015, 12:46 PM   #47
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Re: Am I Being Unreasonable?


I'll tell you what point. When all your needs are met in life. If your not breaking the bank and your financial future is solid. It becomes ok to spend it however you want. It's either that or die with it, which makes no sense at all.
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Old 06-12-2015, 04:18 PM   #48
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Re: Am I Being Unreasonable?


I'm sure not everyone here is a Dave Ramsey fan but his motto is, "Live like no one else, so you can live like no one else." Meaning...delay gratification.

Get the bases covered, get established, define what financially stable means in order to line up with your long term goals and get there....then live like no one else.
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Old 06-12-2015, 10:14 PM   #49
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Re: Am I Being Unreasonable?


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Originally Posted by Spencer View Post
I'm sure not everyone here is a Dave Ramsey fan but his motto is, "Live like no one else, so you can live like no one else." Meaning...delay gratification.

Get the bases covered, get established, define what financially stable means in order to line up with your long term goals and get there....then live like no one else.
And he hates buying new cars.
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Old 06-12-2015, 10:19 PM   #50
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Re: Am I Being Unreasonable?


Here's another option. Take a vacation, rent a bmw, then buy a used bmw for half price, then give 10k to charity. All for less than a new pimped out one.
You can't take it with you so better to spend it on the local economy than on the German one.
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Old 06-13-2015, 08:23 AM   #51
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Re: Am I Being Unreasonable?


funny topic.
to me---a car is just a way to get from point A to point B
so I am looking for dependability and durability because I want that ride to last 10-12 years.
personally--- trucks for me and a subaru for her does it just about right

We could easily afford more expensive choices---- but would never MAKE those choices because we would see it as way too wastefull. I would be hard to get past the wasted $30-40K that could have been allocated more productively.
I am 52 now---- and just 2 years ago bought the first ruck I ever owned with A/C
Gotta say sitting in traffic with AC is more bearable-but I can't say there is any other amenity I can think of that would make traffic more pleasant.

however--- if you are a "car guy"---and this is something you have always aspired to and can afford--- might as well do it now.

My dad was a very frugal guy his entire life. After retiring he finally bought THE CAR--- the car he had always secretly wanted but never bought his entire life because he had devoted his resources to providing for others.........
THE CAR--- in his case happend to be a big azz Buick

then he had a massive stroke less than a year later-and then lived a prisoner in his own body for another 12 years. Sure would have been nicer for him if he had bought that buick a few years earlier.

As for me--- even if I hit the lotto tommorrow and what car I drove had zero impact on my family finances---- I would still be driving what I have today because I just don't care at all about cars......

Stephen
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Old 06-13-2015, 01:12 PM   #52
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Re: Am I Being Unreasonable?


Quote:
Originally Posted by Stephen H View Post
funny topic.
to me---a car is just a way to get from point A to point B
so I am looking for dependability and durability because I want that ride to last 10-12 years.
personally--- trucks for me and a subaru for her does it just about right

We could easily afford more expensive choices---- but would never MAKE those choices because we would see it as way too wastefull. I would be hard to get past the wasted $30-40K that could have been allocated more productively.
I am 52 now---- and just 2 years ago bought the first ruck I ever owned with A/C
Gotta say sitting in traffic with AC is more bearable-but I can't say there is any other amenity I can think of that would make traffic more pleasant.

however--- if you are a "car guy"---and this is something you have always aspired to and can afford--- might as well do it now.

My dad was a very frugal guy his entire life. After retiring he finally bought THE CAR--- the car he had always secretly wanted but never bought his entire life because he had devoted his resources to providing for others.........
THE CAR--- in his case happend to be a big azz Buick

then he had a massive stroke less than a year later-and then lived a prisoner in his own body for another 12 years. Sure would have been nicer for him if he had bought that buick a few years earlier.

As for me--- even if I hit the lotto tommorrow and what car I drove had zero impact on my family finances---- I would still be driving what I have today because I just don't care at all about cars......

Stephen
Back in my early years when I was around 20 years old I had a Honda that had no side windows and both doors needed spring clamps to hold them shut. It got me from point A to point B. Sometimes it was hard to get moving. I didn't know it at the time, but I think it was a clogged cat.

My point is when you've come up through hard times and paid heavy dues to get to where you are today I think it's a well deserved treat to have a nice car.

It is just silly to think a beater is the same as a luxury car when it comes to making traffic more bearable. I actually enjoy my ride now in traffic. It's fun to drive no matter where it is. I know, I've experienced cali traffic in average cars, beater cars, and luxury cars. I'll take the luxury car all day long.

Again why would I want to die with a bunch of money in the bank. Not to mention the safety features some of these cars have is simply amazing.

Last edited by Calidecks; 06-13-2015 at 01:20 PM.
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Old 06-13-2015, 03:50 PM   #53
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Re: Am I Being Unreasonable?


mike,
if that's what you want it's your choice---- that's fine.

But--- if I am sitting in bumper to bumper traffic in a clean f150 with AC....
how specifically would my life be improved by sitting in the same traffic jam in a BMW---- I just don't see an improvement.
I think we make our choices in life based on what's important to us.

for me, once that clean,dependable, durable hurdle is passed---- my life isn't enhanced by a "better" or more expensive vehicle.

my opinion BTW---- your mileage may vary.

as far as dying with a lot of money in the bank---- that wont effectively be much of a problem. I don't view "MY" money as really mine.
to me, as a practical matter it's not really mine---- i am just holding it in trust for my sons, their wives, my grand children and the 3 schools we wish to endow with partial scholarships( or rather the students helped by those scholarships)

again--- that's just my view--- it's not for everyone. I wish my dad had bought the car HE wanted sooner.

but we all have our extravagances don't we ? I am on "vacation" 4 months a year--- that's an extravagance---- I run or bike for an hour every day at dawn--- that's an extravagance---- I have 2 kind of expensive dogs----an extravagance but they make my life better every day, a cashmere over coat I LOOK for excuses to wear-----and my secret vice---a box at the Hanna theater for a season subscription--------
but a car in a traffic jam--- not a priority for me.
best wishes,
Stephen
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Old 06-13-2015, 04:10 PM   #54
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Re: Am I Being Unreasonable?


Quote:
Originally Posted by Stephen H View Post
mike,
if that's what you want it's your choice---- that's fine.

But--- if I am sitting in bumper to bumper traffic in a clean f150 with AC....
how specifically would my life be improved by sitting in the same traffic jam in a BMW---- I just don't see an improvement.
I think we make our choices in life based on what's important to us.

for me, once that clean,dependable, durable hurdle is passed---- my life isn't enhanced by a "better" or more expensive vehicle.

my opinion BTW---- your mileage may vary.

as far as dying with a lot of money in the bank---- that wont effectively be much of a problem. I don't view "MY" money as really mine.
to me, as a practical matter it's not really mine---- i am just holding it in trust for my sons, their wives, my grand children and the 3 schools we wish to endow with partial scholarships( or rather the students helped by those scholarships)

again--- that's just my view--- it's not for everyone. I wish my dad had bought the car HE wanted sooner.

but we all have our extravagances don't we ? I am on "vacation" 4 months a year--- that's an extravagance---- I run or bike for an hour every day at dawn--- that's an extravagance---- I have 2 kind of expensive dogs----an extravagance but they make my life better every day, a cashmere over coat I LOOK for excuses to wear-----and my secret vice---a box at the Hanna theater for a season subscription--------
but a car in a traffic jam--- not a priority for me.
best wishes,
Stephen

As for working your butt off to give it away, no thanks. I worked my butt off to get my kids will educated it's up to them to make it now. I consider my money mine.
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Old 06-13-2015, 04:28 PM   #55
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Re: Am I Being Unreasonable?


Mike--- that's your view.
I can't fault it because it doesn't impact MY view.
we can each do as we will......

I am wondering though--- if your honda was a crappy as my chevette hatchback?
I know the chevette wasn't as much fun as the 1971,red vw microbus I had before it
you knew a commie pinko like me had to have owned a VW bus at some point, huh?????
funny thing---- I bought the vw for $1 from my WWII, Korean war vet,lifelong Republican and devout Catholic dad with 90,000 miles on it !
Stephen
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Old 06-13-2015, 04:45 PM   #56
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Re: Am I Being Unreasonable?


Quote:
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Mike--- that's your view.
I can't fault it because it doesn't impact MY view.
we can each do as we will......

I am wondering though--- if your honda was a crappy as my chevette hatchback?
I know the chevette wasn't as much fun as the 1971,red vw microbus I had before it
you knew a commie pinko like me had to have owned a VW bus at some point, huh?????
funny thing---- I bought the vw for $1 from my WWII, Korean war vet,lifelong Republican and devout Catholic dad with 90,000 miles on it !
Stephen
Of course, Stephen, I'm very opinionated, to say the least. I'm assuming other peoples lives are just fine without using my opinion.
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Old 06-13-2015, 04:56 PM   #57
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Re: Am I Being Unreasonable?


Y'all have lot of interesting views on the subject and I appreciate the differing thoughts on the matter. What it boils down to is this - We have a budget and I intend to stick to it. The reason the budget is $35K is because I/we 'prepay' for our vehicles. We save/invest the money with monthly payments for approx 10 years before a new vehicle purchase. That does 2 main things - We get capitol gains on the monies and no mandatory car payment after purchase. Plus it makes us stick to that budget. It really easy to ignore the vehicles total price when all you're thinking is "How much per month" when the difference between a $30K and $50K car is only $100 a month, but it adds 2 more years of payments. What happens if I get seriously hurt a month after buying a new vehicle and I'm stuck with a $1000/month car payment? I'd be extremely lucky to be able to get rid of it for only what I owe. I'm sticking to my guns, budget-wise, so also we're looking at used ('Pre-Owned' ) now. She just looked at a used (2012) Mercedes S-Class for $40K. It just blows my mind how damn expensive some of these vehicles are nowadays.

And...There's a HUGE difference between a crappy beater and a luxury vehicle when sitting in traffic. I know and appreciate the difference, but I don't see that big of a difference between $35K and $70K.

And II...My Shelby is also an investment. I bought it when I was 23 years old and it's worth 10+ times what I paid for it.
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Old 06-15-2015, 10:16 PM   #58
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Re: Am I Being Unreasonable?


Just keep saving till her current car dies. Whatever u have is what u spend.
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Old 06-15-2015, 10:27 PM   #59
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Re: Am I Being Unreasonable?


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Originally Posted by 66 Shelby View Post
Y'all have lot of interesting views on the subject and I appreciate the differing thoughts on the matter. What it boils down to is this - We have a budget and I intend to stick to it. The reason the budget is $35K is because I/we 'prepay' for our vehicles. We save/invest the money with monthly payments for approx 10 years before a new vehicle purchase. That does 2 main things - We get capitol gains on the monies and no mandatory car payment after purchase. Plus it makes us stick to that budget. It really easy to ignore the vehicles total price when all you're thinking is "How much per month" when the difference between a $30K and $50K car is only $100 a month, but it adds 2 more years of payments. What happens if I get seriously hurt a month after buying a new vehicle and I'm stuck with a $1000/month car payment? I'd be extremely lucky to be able to get rid of it for only what I owe. I'm sticking to my guns, budget-wise, so also we're looking at used ('Pre-Owned' ) now. She just looked at a used (2012) Mercedes S-Class for $40K. It just blows my mind how damn expensive some of these vehicles are nowadays.

And...There's a HUGE difference between a crappy beater and a luxury vehicle when sitting in traffic. I know and appreciate the difference, but I don't see that big of a difference between $35K and $70K.

And II...My Shelby is also an investment. I bought it when I was 23 years old and it's worth 10+ times what I paid for it.
Most of the German cars you see on the road are leased. The majority of my friends who drive BMWs or Mercedes, lease them so they can get a new one every 12-24 months and all service is covered in the lease. One of my friends decided to give up his S-Class lease when they wanted to raise the price on the new model too much for his liking, so he just bought a Maserati instead.

I'd take a full size SUV over most of the German sedans, though. For $80K, make mine an Escalade.
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Old 06-15-2015, 10:32 PM   #60
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Re: Am I Being Unreasonable?


Most higher end cars these days come with an included maintenance package.

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