Quote:
Originally Posted by Xist
I don't understand wanting a truck or SUV. 
The average person does not seem very smart. Dozens of people insist that, instead of paying my debt with the highest interest rate, I need to pay the smallest debt first, regardless of interest. I know Dave Ramsay says that, but not absolutely, and when I explain the math, they do not say that I am right, but condescendingly say "Whatever makes you feel better."
While the snowball method is specifically designed to make people feel better, even though it is not the most effective.
I have also had dozens of people tell me that I need to get a savings account and start putting money into it instead of aggressively paying down my credit cards.
I try to explain basic math.
Then I stop talking to them.
People insist that if you purchase a used car you pay for a new car with repairs and then purchase Volkswagen, GM, or Chrysler.
Have you ever heard people say they could not afford to not purchase something on sale? |
Well you shouldn't have credit card debt to pay down to begin with.
As far as the pickup goes: I have a rental property, plus my own house, and I've had to do major builds on both. When hauling 3,000 pounds of lumber, hardware, and plywood putting it in a trailer behind a car isn't an option: they won't handle the load, and if they do you're just abusing your transmission.
I haul loads like this, and pull trailers upwards of 5k lbs on the regular for various reasons. I also haul loads that you wouldn't want inside of a car even if they could handle the weight: dirt, sand, gravel, half rotten leftover pumpkins, straw, garden scrap in the fall.
You also can't mount a snowplow on the front of a car, and where I live it's not uncommon to have no choice but drive through 6-12" of snow to get anywhere, and again a car isn't likely to pull it off.
That said, if I wasn't a homeowner, and involved in all the things I am, there's no way I would have a pickup.