this post was submitted on 29 Oct 2024
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Fuck Cars

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[–] [email protected] 0 points 39 minutes ago

β€œNo one cares about what car you drive” has such Boomer energy to it, and it’s completely false.

Our 2nd car (ie. the one we use if my wife or I need to commute individually - suburban sprawl means we live in a public transportation desert), is a beat-up 15yo Hyundai hatchback.

We both love it because it’s economical, surprisingly reliable, cheap as anything to maintain, and we don’t particularly care if it gets dinged at a parking lot.

But the looks we get from our peers when we drive to our respective offices (we usually WFH), holy crap! Constantly having to explain ourselves is tiresome, and our line managers have both made off-handed comments sarcastically asking if we’re not being paid enough. πŸ€¦πŸ»β€β™‚οΈ

[–] [email protected] 4 points 1 hour ago

Memes circulating with this dude right now, even if positioning him as a chud, are a way to launder this dude as just a legit money guy. Sure, he has some basic, broad financial advice you can consider if you can see through all the Jesus and have no other options, but more than anything else, he's a vile human being.

Eat religious shit dave ramsey.

[–] [email protected] 3 points 1 hour ago (1 children)

That's really exorbitant insurance. I don't know where he lives or what is situation is but $350 a month is insane.

[–] [email protected] 2 points 38 minutes ago

I'd put money on a pretty messy driving history for the insurance to be that much.

[–] [email protected] 1 points 2 hours ago (2 children)

I pay about $450 a month for my mini cargo van and another $80-ish for insurance. I also drive about 3,000 miles a month (my commute is long and I spend most weekends out of town helping my parents), so I average about 350 dollars a month in gas. Let's call it another 100 a month on average for maintenance (I do my own oil, the tires are pretty cheap, but there will be occasional large expenses).

So that comes out to pretty close to a thousand dollars a month total. That's a lot of money.

But by living in the middle of the country far from work, I can rent a trailer home that costs about $1500/month less than a tiny apartment close enough to work to walk or bike, and I have the freedom of owning a car and being able to go anywhere and haul anything I need.

So yeah, it's expensive, but it would be even more expensive NOT to have it.

[–] [email protected] 1 points 1 hour ago (1 children)

If it works for you, great, but are you sure you declared your vehicle use on your insurance correctly? Seems like you may have said it's not a commuter vehicle

[–] [email protected] 2 points 1 hour ago

I have an impeccable driving record and only have liability abs gap on my car since it has so many miles it's basically worthless as far as the insurance company is concerned. If it were to be totaled they'd give me like 500 bucks if I carried full coverage.

[–] [email protected] 2 points 1 hour ago (1 children)

The US sounds extremely expensive. In the EU 1500$ a month will pay for a very nice apartment close to work.

[–] [email protected] 1 points 1 hour ago

I work for a tiny city that's basically a private enclave for the ultra-rich in the middle of a major city.

Literally every household is millionaires or better, and we have a lot of citizens whose names you'd know.

[–] [email protected] 8 points 3 hours ago

Spoken like someone who's long since stopped worrying about having to commute without mass transit available.

If mass transit is available and reasonable then yeah, go off. But otherwise please stop blaming the victims of Capitalism.

[–] [email protected] 2 points 3 hours ago (4 children)

Or you can take the train, walk or bike. All of which are much much cheaper.

[–] [email protected] 2 points 1 hour ago

I would love to.

Please build trains or stop blaming me.

[–] [email protected] 3 points 2 hours ago

Unfortunately, it's not too practical to bike 12 miles on the motorway.

[–] [email protected] 1 points 2 hours ago

lol how is this comment getting downvotes in this community

[–] [email protected] 2 points 3 hours ago

$2.50 for an all day bus pass in my area. Even taking it 5x a week is only $50/mo. And yet all of my peers refuse to use it and act disgusted when I tell them I prefer to take the bus, like it's below them. I don't get it.

[–] [email protected] 25 points 3 hours ago* (last edited 3 hours ago) (1 children)

sure, maybe. but FUCK Dave Ramsey.

[–] [email protected] 1 points 3 hours ago (1 children)

I'm out of the loop. What'd they do?

[–] [email protected] 1 points 2 hours ago (1 children)

He plays a daddy capitalist on teevee while being total boomer.

Also his debt pay off advice is bad financial advice. "Snow ball" method 🀑

Entire grift is dunking on peasants and blame their personal failings for systemic issues.

[–] [email protected] 5 points 1 hour ago

Some of his advice (mainly the first "baby steps" of paying off debts and getting some money saved) is reasonable enough. Snowball method of paying off debt may not be the most mathematically advantageous, but it does give psychological quick wins to those who may need it most. Paying off high-interest loans first doesn't mean much if you get frustrated and give up. Setting a budget is also important.

Once you get past that his advice is pretty awful though. Yes, I use credit cards but I pay it off. Yes, I have a car loan but its interest rate is so low I pay a rounding error's worth of interest through the life of the loan. No, I'm not paying my mortgage off on a 15-year schedule because its interest rate is plenty low as well and I've got better things to do with my paycheck.

[–] [email protected] 6 points 4 hours ago

insurance is whats insane nowadays. i was paying 600 a YEAR for full coverage on my truck until last year when they spiked it to 2100. dropped to just liability and that alone is 650 a year now

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