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If you people could stop buying new vehicles every five years as a status symbol it would be great. I don't think I should have to pay for your bailout.
It always struck me as odd people buy cars so often. My first car I drove into the ground (quite literally at the end!), and my current car has been chugging along for over a decade with no end in sight. A car loan is one of the larger expenses the average household has, and it is one of the expenses that can be reasonably paid off within just a few years.
I knew a couple who drove their vehicle into the ground. The moment when it shit the bed? Deep into the middle of the crazy market of the pandemic, with chip shortages and supply chain issues and all that, so used and new cars were all ridiculously expensive. It's not just a matter of being smart with your money.
You have to be careful with making plans for black swan events.
And even if they bought an insanely inflated car, it still probably came out ahead compared to always having a car payment.
I got an electric vehicle, and I'm worried about the post battery warranty period. Do I keep it after 8 years and hope the battery doesn't go out, or do I say fuck that risk and get another one to drive until it's battery warranty is up too.
Rebuild/refurbished is starting to become a thing for EV batteries. I hope it becomes commonplace in the coming years.
You essentially need a fully remade battery.
Most of the attempts to fix a single module don't work out and fail again as the battery isn't properly balanced.
It's almost impossible to do it without the scale of batteries the OEMs have at their service centers.
Maybe it'll get better as time goes on though
Since it sounds like your car is currently reliable, you have the choice of 'paying for a new car now' and 'maybe have to pay for a new car in the future'. The latter is the less expensive option.
Edit: Even when considering the trade-in value of a car goes down as it ages, as a new car devalues much, much faster.
Well ya, I got years left still.
But at 8 years it's resale value will be much higher than at 8 years with a 15-20k battery replacement if it dies.
There's a cost/risk to consider there, it just working isn't a financially sound decision on its own
Edit: also by the time 8 years is up,getting a 1 year old car to eat that initial depreciation will be easier.
Don't worry, it's peanuts compared to the FEDs cheap loans they've been doing to banks who'd go under.
We rely on those people to create a robust used market for everyone who can't afford new cars
Increasing cost with shrinking wages and no savings produce over reliant on debt. The things that wealthy like for the people. There is always more than simple answers
Right so maybe stop buying a new car every five years. I make in the six figures and do does my wife. We have a Honda Civic from 2008. Meanwhile I know multiple people making a marginal amount over minimum wage driving a pickup truck that never hauls anything except their fat ass.
Enough with the fucking status symbols and stop blaming the rich for your penis compensation device.
So because you know wealthier people that means everyone is the same? Gotcha
"I choose to do this so everyone who doesn't has a small dick!"
Sorry you have the internal resolution of a toddler. Enjoy your car, I guess.
And by the way: I drive a beater. so don't go thinking about my dick size, please. I don't consent.