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Proles struggling with car payments (NYT)
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Date: March 21st, 2026 8:59 PM Author: ...,.,,.....,,.,...,......,...,....,.. An $830-a-month car payment. Auto insurance for $280 each month. Thousands more for tire and maintenance repairs.
For almost three years, those bills have followed Davine Greene, a nursing student who hasn’t missed or been late on a payment since buying her Kia K5 GT in November 2023. But keeping up with the payments has driven up her debt to more than $80,000, not including student loans.
Last week, she filed for bankruptcy to escape the burden, she said.
“This car is the bane of my existence,” said Ms. Greene, 24, who lives in Fort Lauderdale, Fla. “Probably the worst decision I’ve ever made, like, financially speaking.”
https://www.nytimes.com/2026/03/16/business/car-ownership-prices-interest-rates.html |
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Date: March 24th, 2026 2:32 PM Author: ,.,.,.,.,,,,.,.,.,,.,.,.,,,,.,,.,.,., Bane? (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765555) |
Date: March 23rd, 2026 10:03 PM Author: ...,.,,.....,,.,...,......,...,....,.. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764030) |
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Date: March 23rd, 2026 10:05 PM Author: Richard Ames The best move would probably be to make it illegal to loan any real amount of money to most people. Imagine declaring bankruptcy because you decided to buy a Kia K5. lol just wtf. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764032) |
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Date: March 23rd, 2026 10:08 PM Author: TurboGook-16 ((zurich is stained)) Our society is completely broken. There are too many people like this, who can afford basically nothing. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764038) |
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Date: March 23rd, 2026 10:10 PM Author: ...,.,,.....,,.,...,......,...,....,.. I have a prole co-worker who wants to buy a 2008 BMW with like 160,000 miles. It looks like shit and will undoubtedly have all sorts of expensive maintenance issues, but she wants it because it's a BMW ljl (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764044) |
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Date: March 24th, 2026 2:33 PM Author: Frank Gallagher (blowing myself to kingdom cum - пиздец) zhe will spend $5000 fixing random oil leaks and then the oil will come out the rust holes and her pussy anyway (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765557) |
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Date: March 23rd, 2026 10:13 PM Author: cowgod the system is kind of fucked, but this extreme shittiness is the only reason why anyone does anything. if you didn't have some acquaintance who bombed OCI and self-treated with opiates or whose entire working career is dedicated to paying for Cars to drive to work, you wouldn't be happy as a clam with what should otherwise be considered mediocre life outcomes. you're a Non-Equity Partner probably but you're still like "i maed it." even if you have Equity still you'd be like "wow Im Gen X and not homeless. far out!" (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764053) |
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Date: March 23rd, 2026 10:39 PM Author: TurboGook-16 ((zurich is stained)) Aren’t you literally poor? Like you make $50k or something? (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764111) |
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Date: March 23rd, 2026 10:48 PM Author: cowgod no i make 0k (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764130) |
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Date: March 24th, 2026 2:21 PM Author: TurboGook-16 ((zurich is stained)) are you independently wealthy? how do you live? do you still poast on jd underground? (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765515) |
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Date: March 24th, 2026 2:47 PM Author: Darnell he lives on a diet of semen and ground up nintendo cartridges (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765604) |
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Date: March 24th, 2026 2:35 PM Author: dupa cr. the basic necessities of life are too expensive on even a normal professional salary.
rent, car, insurance, food, etc. Without anything else is more than most people make. |
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Date: March 24th, 2026 9:38 AM Author: :-P (gunneratttt) just cap interest rates at whatever we decide is usury. this is common sense and enshrined in the most ancient laws we have. amazing we've eliminated this so that proles can have the "freedom" to be exploited for $800/mo kia loans. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764656) |
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Date: March 24th, 2026 2:39 PM Author: dupa there's just too much information out there that allows the producers of necessary things like cars to maximize the cost in a way that eats up every dollar of most peoples incomes.
it's all driven by monthly payments. Lower interests are great! now the manufacturer can just jack up the MSRP. higher interest rates? ok let's just offer 10 year loans. |
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Date: March 24th, 2026 4:35 PM Author: :-P (gunneratttt) automakers offer below market rates as incentives all the time. capping interest rates would not lead to higher msrps except for nissan that makes a lot of money off scumbag lending. plus people use non-dealer financing all the time, so automakers can't reliably recoup via financing. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765907) |
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Date: March 24th, 2026 4:39 PM Author: Richard Ames Totally agree. Access to credit drives up prices IMO. Less ability to extend credit to any idiot that shows up at a dealer would lead to people seeking out cheaper cars (instead of trying to "flex") and it would force automakers to start making cheaper vehicles again. I think a big part of why sedans are "dying" is because of the type of credit that companies can extend to consumers who have no business borrowing tens of thousands of dollars. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765920) |
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Date: March 23rd, 2026 10:10 PM Author: cowgod I googled that Car and it's not expensive so what's going on, a lightly used model that sold at new MSRP but much higher interest rate? smh (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764043) |
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Date: March 23rd, 2026 10:11 PM Author: ...,.,,.....,,.,...,......,...,....,.. She is Stupid and probably bought it with her Scumbag boyfriend who promised to help with the payments and then disappeared. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764050) |
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Date: March 23rd, 2026 10:13 PM Author: Richard Ames Almost certain that she traded in a previous car that she was underwater on and she rolled the negative equity into the new loan. So she had a loan whose value was significantly more than the absolute dog shit car she bought. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764054) |
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Date: March 23rd, 2026 10:28 PM Author: cowgod When I was extremely poor I just took after the uberproles and drove horrible Scummy as fuck cars. There were $2995 cars everywhere. This Kia doesn't seem that expensive even, $27k and probably has fewer problems than some 1990s bullshit head gasket fuck you mobile. If it breaks just Engineer a solution. stop leak. head gasket. engine replacement from a Junkyard with ferocious dogs running around. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764089) |
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Date: March 24th, 2026 2:35 PM Author: Frank Gallagher (blowing myself to kingdom cum - пиздец) my first car cost me $300 and I drove it for two years. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765563) |
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Date: March 24th, 2026 2:55 PM Author: some on social media Mine cost 800 and it was still running 5 years later when I traded it in for a 4k car (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765625) |
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Date: March 24th, 2026 3:00 PM Author: retarded stupid faggot you guys are like retarded boomers who talk about buying homes for $30k and wonder why young people nowadays can't afford a mortgage. even cars that are just being parted out go for those prices on fb marketplace. a drivable early 2000s corolla goes for $3k min now. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765642) |
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Date: March 24th, 2026 3:07 PM Author: some on social media We're old here dummy. XO is woke to the fraud economy, it's just nice to remember the simpler times. This thread is about dummies (like you) buying cars they can't afford.
Tell us about your monthly payments, dummy. Did you roll in any "negative equity?" |
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Date: March 24th, 2026 3:12 PM Author: retarded stupid faggot nah i'm not that retarded lol. i bought an early 2000s GMC Sierra 1500 off marketplace pre-COVID. and it's still driving great. previous car before that was a hand-me-down 2002 Honda CR-V from my parents. What car do you drive now as a boomer? just curious no doobs. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765685) |
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Date: March 24th, 2026 2:29 PM Author: Big Clique Energy I have a Scumbag friend that does this. I don’t think he’s been on the right side of a car loan in 20 years. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765552) |
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Date: March 23rd, 2026 10:11 PM Author: ..,,....,,.,..,,..,,...,...,,....,..., How is this possible it's a 25k car (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764046) |
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Date: March 23rd, 2026 10:13 PM Author: cowgod I kept thinking this was the thing that they call the Stinger now (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764056) |
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Date: March 23rd, 2026 10:22 PM Author: Kenneth Play (emotional girth) I didn't read the article but put down the minimum, make minimum payments, borrow at like 15%, and wait a few months (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764074) |
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Date: March 23rd, 2026 10:39 PM Author: Nude Karlstack (🧐) After splitting time between Las Vegas and Texas, he settled in Houston in 2023. But he had hourlong work commutes and was driving for DoorDash and Uber for extra income, which quickly raised the gas bill and mileage on his 2016 Chevy Sonic. He is also holding on to a 2015 Chevy Camaro.
Mr. Rhodes has decided to pause his ride-hailing and delivery work and is focusing only on hairstyling.
“I remember being younger, and you could just buy a car outright and keep it rolling,” Mr. Rhodes said. “Now there’s these high payments. It’s just crazy.”
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NYT is just "Daily Mail for Libs" at this point, pretty solidly disguised ragebait. "Why doesn't this fucking NIG-I mean, down on his luck citizen just sell the Camaro?" the lib wondered to zhimzelf. |
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Date: March 23rd, 2026 10:57 PM Author: Oh, you travel? ( ) Tbf it is an insane expense for poors who, if white, cannot afford to live in cities with public transit that aren’t Cleveland or worse. And if you’re poor you need to work and if you live in some horrible US nowhere place you need to drive or get a Ride. I’m convinced the incredibly shortsighted and stupid investment in automobile infrastructure will be the ultimate downfall of North America. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764162) |
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Date: March 23rd, 2026 11:25 PM Author: cowgod OYT what are you even talking about. this is such a liberal idea. "the automobile" is retarded but the lib obsession with it is telling. you just hate any manifestation of personal freedom.
personal freedom, and this is the part people don't say out loud until it's too late, results in dumbs doing Extremely Dumb Things and then suffering the consequences and also their children suffering the consequences. my question to you is, why is this bad? sufferers of intergenerational trauma driving 2003 pontiac grand ams on their 20th owner.... how the fuck else are you going to find someone who isn't an immigrant to work at a slaughterhouse or a wal mart? the system demands Ruin and Scum as grist for the mill. weird to think that modernity had only really sort of "existed" for a few short decades when we were born, and that the whole perspective was different back then. but today you can look at some Scummy kid building Character and be like "his grandfather got DWIs" or something and nod at yourself approvingly. Caste and Clique are inherited. and the whole thing veers into a totally different Lane based on a few automobile purchases whose consequences reverberate for decades. and my question, again, is why is this bad? Scumbags failing constantly is better for GDP somehow than raising taxes and building Rail imho. |
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Date: March 24th, 2026 7:23 AM Author: Oh, you travel? ( ) It’s bad because it is, just like everything else. I know this is how’s it’s supposed to work, but that doesn’t mean I have to like it. You can’t stop dumbs from being dumb but you can stop people from exploiting them to some venal end afaik. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764441) |
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Date: March 24th, 2026 7:49 AM Author: cowgod You just want the Top Technocrats exploiting them and not Kulak used car dealers bc you’re Leftist (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764463) |
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Date: March 24th, 2026 9:34 AM Author: .- .-. . .-. . .--. - .. .-.. . Half the Chinese now own cars. Nobody with any money at all wants to ride the fucking bus no matter how nice a bus it fucking is. Same with subways.
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Date: March 24th, 2026 9:27 AM Author: $200 oil I knew I could click this fucking thread and read huge paragraphs from cowgod and OYT (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764633) |
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Date: March 24th, 2026 9:27 AM Author: .,.,.,.,.,...,.,,.,,.....,.,..,.,,...,.,.,,...,. two bald irrelevant dorks (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764636) |
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Date: March 24th, 2026 9:30 AM Author: Richard Ames And yet, you probably breathed a sigh of relief. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764641) |
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Date: March 24th, 2026 9:39 AM Author: $200 oil (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764659) |
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Date: March 24th, 2026 9:33 AM Author: .- .-. . .-. . .--. - .. .-.. . My nanny drives a BMW X3. A new one. I am am legit multimillionaire and I drive a Highlander. Our cars cost about the same only my net worth is 40x hers. That's what's wrong with America. The best part is because she drives such a nice car we never have to give her our car to drive the kids places. I just bought her a car seat and reimburse for gas. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764647) |
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Date: March 24th, 2026 9:52 AM Author: Richard Ames I have a friend who drives a BMW SUV and legitimately it is his entire personality. Obsesses over the engine and the 0-60. Talks about it non-stop. Meanwhile, he has to street park it (doesn't own a home), is paying $800+ a month for five years, and $500 a month in insurance. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764687) |
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Date: March 24th, 2026 2:54 PM Author: some on social media A few years ago, within the course of about 2 months, my assistant bought a new 3 series and my paralegal bought a lightly used Merc SUV at 12% interest. They've both since been fired and I'm driving the same Camry I had then. It's insane what people do. The assistant was young and had some help from Daddy but my paralegal was broke. I tried to talk to her but she bought that piece of shit anyway. Total waste. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765620) |
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Date: March 24th, 2026 9:34 AM Author: ,.,..,.,..,.,.,.,..,.,..,..,.,.,,..,.,,. My wife and I both drive 2019 model Toyotas that have been paid off for three years while her prole sister leases a new BMW every 3 years and never has money for anything to the point that we have to cover her flight and room when she vacations with us (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764649) |
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Date: March 24th, 2026 9:39 AM Author: login jammin (definite and ineradicable gauge of its upward moving) My wife is in a 2019 Honda. Paid off since 2019. I'm in a 2023 Altima. Last payment is on the 12th. Then it's owned free and clear. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764661) |
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Date: March 24th, 2026 9:41 AM Author: .- .-. . .-. . .--. - .. .-.. . While I fully support not buying luxury badges -- LJL at driving compact sedans like an Altima. You will die in any car crash with a F150 and you have to assume some drunk in an F150 will hit you since this is TTT America. Never, ever, drive a small car. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764664) |
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Date: March 24th, 2026 9:42 AM Author: login jammin (definite and ineradicable gauge of its upward moving) Nissan Sentra is the compact. Nissan Altima is the midsize. It's the same class as Camry/Accord. $30,000 car in this economy. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764667) |
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Date: March 24th, 2026 10:11 AM Author: cowgod It’s the same size as his beloved stinger (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764755) |
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Date: March 24th, 2026 2:23 PM Author: some on social media But with MUCH slower depreciation (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765528) |
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Date: March 24th, 2026 2:25 PM Author: .- .-. . .-. . .--. - .. .-.. . I put 120k miles on the Stinger before I got rid of it. It was really a very pleasant experience. I never had serious issues with the car despite all the bad things you hear about Kia transmissions in particular. The interior was starting to go to shit when I replaced it and that was the biggest thing I could complain about. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765539) |
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Date: March 24th, 2026 2:59 PM Author: some on social media Yeah I'm just kidding you man I have no problem with the stinger for what it is (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765640) |
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Date: March 24th, 2026 2:38 PM Author: Frank Gallagher (blowing myself to kingdom cum - пиздец) I hoap you at least get to fuck her in the ass on these "vacations." (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765572) |
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Date: March 24th, 2026 9:35 AM Angelica Akins, 32, works late-night shifts as a certified nursing assistant while raising five children. Early last year, the engine of her 2011 Chevrolet Equinox died. Without enough savings or the credit score that dealerships required, she put off buying a car and temporarily turned to ride-hailing services to get to work.
The rides cost her around $1,000 a month, with her commute taking about two hours round-trip from her apartment in Grand Rapids, Mich., to her job in Saginaw. Ms. Akins picked up extra shifts to keep up with her expenses while saving for a car. But the daily Uber costs added up, and she managed to save only about $2,500 — less than half of what she desired.
“You never know how important things are until you lose them,” she said.
Ms. Akins recently moved back in with her mother, leaving the neighborhood and home she loved to cut back on her $1,400 monthly rent and shorten her commute to 30 minutes, making it easier to share rides in her mother’s car or find cheaper trips.
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Her: 32. A fucking CNA (like the entry level of nursing). FIVE. CHILDREN.
U: 40. JD. Can't afford a kid yet, maybe in a couple of years. |
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Date: March 24th, 2026 9:38 AM Author: .- .-. . .-. . .--. - .. .-.. . Idiocracy made this point 20 years ago. The species is doomed because people like us should be making sure that people like her starve to death and never breed. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764658) |
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Date: March 24th, 2026 2:42 PM Author: Waingro lmao hour commute from grand rapids to saginaw lol (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765586) |
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Date: March 24th, 2026 9:39 AM Author: .- .-. . .-. . .--. - .. .-.. . Chinese cars are better than our cars now and cost half as much. The solution is to open the market to them and watch the US car industry implode while prices drop 50% or more. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764662) |
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Date: March 24th, 2026 9:43 AM Author: HATE, LLC (making the world a better place) (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764669) |
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Date: March 24th, 2026 10:05 AM Author: United Negro Coffin Fund Good idea, Zhang (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764735) |
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Date: March 24th, 2026 10:06 AM Author: .- .-. . .-. . .--. - .. .-.. . Best idea. Yankees make inferior goods and are dumb and lazy. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49764738) |
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Date: March 24th, 2026 2:32 PM Author: Paralegal Mohammad (Death, death to the IDF!) I'm not against blaming proles but most of America doesn't have good public transit. Too many people need some form of transportation and cars are too expensive relative to incomes. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765556) |
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Date: March 24th, 2026 2:45 PM Author: JJC (retired) Yeah, but 95% of the time the problem is that the proles buy a $40k+ car instead of a $5,000 car that is functionally equivalent. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765601) |
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Date: March 24th, 2026 2:50 PM Author: Darnell there are no more $5000 cars. the cheap used cars we grew up with are gone (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765611) |
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Date: March 24th, 2026 2:57 PM Author: login jammin (definite and ineradicable gauge of its upward moving) This is true. These days you need $12,000 minimum for a complete beater. A good value buy will be in the low to mid 20s, and 3-4 years old. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765631) |
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Date: March 24th, 2026 3:08 PM Author: Paralegal Mohammad (Death, death to the IDF!) Yes, and do note that proles end up paying way more per month, averaged out, than the cost of the vehicle would suggest. Financing costs due to poor or lack of credit are higher, maintenance costs are higher, insurance costs are higher in the ghetto, etc. (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765672) |
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Date: March 24th, 2026 4:29 PM Author: JJC (retired) Your retarded.itwrally thousands of cars like this for sale.
https://www.cars.com/vehicledetail/fd32a7a5-639f-4006-a1b1-2471c879e4c1/ |
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Date: March 24th, 2026 4:47 PM Author: Darnell that's a vehicle that has been in an accident and is likely very unreliable.
this isn't some controversial thing i'm claiming. it's well documented |
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Date: March 24th, 2026 4:49 PM Author: Richard Ames It took about 15 seconds to find the below listing and there are tons more like it.
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Date: March 24th, 2026 4:53 PM Author: JJC (retired) You're using old boomer logic from back when cars were unreliable as fuck and rarely made it past 100k miles, and didn't make it to 50 if you didn't maintain properly.
Cars from the past 15 years all easily hit 200k even with shitty maintenance. Even the shitty ones.
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Date: March 24th, 2026 4:41 PM Author: Richard Ames Plenty of $15k and below cars out there. Not even total pieces of shit. Countless used CR-Vs and Camrys with 150k miles that have plenty of life left out there. People just want a "new car" because they "deserve it." (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765924) |
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Date: March 24th, 2026 4:53 PM Author: Darnell car inflation in both the used and new market has been huge over the last 5 years. the point isn't that you can't buy a used car. it's that you can't buy a used car CHEAPLY.
in the 90s and 2000s, it was very easy to get a 5-7 year old vehicle for $3000 that would serve a high school kid, college student, grad student, or someone in their first job very well for a 2-4 years. you could buy one with savings from a summer of fast food work or as a lifeguard or SAT tutoring. that's not possible any more |
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Date: March 24th, 2026 2:43 PM Author: Waingro how the fuck is a "student" buying a car in the first place (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765588) |
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Date: March 24th, 2026 2:56 PM Author: some on social media Hmmmmmmmm... (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765627) |
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Date: March 24th, 2026 2:57 PM Author: Frank Gallagher (blowing myself to kingdom cum - пиздец) whore? (http://www.autoadmit.com/thread.php?thread_id=5848415&forum_id=2#49765629) |