Car loans now pass $40,000 per vehicle..

23,331 Views | 409 Replies | Last: 1 yr ago by TAMU1990
Manhattan
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Charpie said:

I could see that. Right now, however, there are no 0% interest rate loans


If you are in Los Angeles you can get 0/72 right now on a 2022 ford edge.
Charpie
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AG
Link please.
Manhattan
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https://www.buyfordnow.com/los-angeles/
Charpie
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AG
There is always a catch.

And it's a year old car. Priced to move
Manhattan
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Deal has been there since September, wait till September and get a 2023.
Tom Doniphon
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Manhattan said:

Teslag said:

You might want to sit this out. Tom Doniphon knows his **** about the car business.


Not him, but every other car dealer I have worked with is a damn liar so….

If you buy an American car at invoice they are making money on it.


Most even wouldn't exist anymore with our protections from the state…

You gonna take the bet or keep running your pie hole about **** you don't have a clue about, per usual?
Manhattan
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You claimed invoice is it, that is a lie, why would I believe anything else you say?
Manhattan
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Tom Doniphon said:

AggieVictor10 said:

Why can't people just buy old junkers and just be happy with that?

There's no such animal left, unfortunately... "cash for clunkers" program eliminated the VAST majority of inexpensive cars and relegated society to newer "throw away" models.


Cash for clunkers ended 13.5 years ago, the average lifespan of cars in the US is 12y. Most cars PURCHASED under cash for clunkers are already off the road.
Tom Doniphon
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NM... you aren't worth it. You've shown your ass and ignorance enough.
samurai_science
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Tom Doniphon said:

NM... you aren't worth it. You've shown your ass and ignorance enough.
Correct
Manhattan
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Run off I'm still here… How many people have you told you aren't making money on a car when you are?

If a manufacturer is paying you to sell X number of cars that counts.
Tom Doniphon
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Manhattan said:

Run off I'm still here… How many people have you told you aren't making money on a car when you are?

If a manufacturer is paying you to sell X number of cars that counts.

You should reread what I wrote, Einstein.... and I never said that I don't make money - I accurately stated that prior to the Covid madness consumers were paying less than dealers were paying the manufacturers. Don't change my words or tell me what "counts."
CanyonAg77
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AG
Quote:

But some use them for going down dirt roads, through mud and over rough terrain that a minivan would die in (speaking from experience).
When daughter was in college in Colorado, I was (in)famous for taking our Oddy down mountain roads that most would not. Favorite memory is going back downhill and passing Jeeps and 4WD pickups and watching the stares of their drivers.
CanyonAg77
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Manhattan said:

Tom Doniphon said:

Prior to the Covid nonsense, consumers typically paid less for vehicles than dealers.
No they didn't. If this was typical, then dealerships would typically go out of business.

Next on TexAgs, "manhattan" schools GAC06 and Charlie Brown 17 about how to fly a plane.
Manhattan
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Tom Doniphon said:

Manhattan said:

Run off I'm still here… How many people have you told you aren't making money on a car when you are?

If a manufacturer is paying you to sell X number of cars that counts.

You should reread what I wrote, Einstein.... and I never said that I don't make money - I accurately stated that prior to the Covid madness consumers were paying less than dealers were paying the manufacturers. Don't change my words or tell me what "counts."


Nobody cares how much you pay for the car when you get holdback, dealer cash and other kickbacks…. Kickback isn't always a negative denotation…
Muy
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Not sure who posted this video, but it was some dealership employee walking around asking colleagues what their monthly car payment was, and most were well over $1,000 per.
ChemEAg08
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aTm2004 said:

ChemEAg08 said:

Teslag said:

TAMU1990 said:

I have a 2007 Sequoia and we just bought a used car last week. We are keeping the Sequoia and I just wanted a newer vehicle to drive out of town. All three kids in college have cars and we wanted two cars again.

2019 Highlander certified, $29k, 30,000 miles. Clean carfax. The prices for used Highlanders have been dropping - I think Toyota is coming out with a new body style soon. That car was $39-42k last year.

Great purchase. Another issue I see is when many morons buy a Surbaban/Tahoe/Expedition etc instead of a minivan which is better for all aspects instead of towing. And men buy these for their wives purely out of insecurity because "they don't want to be seen driving a minivan". Tons of wasted dollars there for personal insecurity.


What about hauling significant amount of cargo (people, luggage, etc) long distances and off-road (mud, rocks, etc). Is that a stupid investment asks the suburban owner or should I have bought a minivan or a Tesla for that kind of driving?

You're an exception and you know it. Rhonda, in her $85k Escalade, isn't hauling travel trailers or going off road (intentionally). She's hauling kids and their stuff to and from school/practice/doctors, etc. For majority of SUV owners, a minivan would be a better fit, but pride won't allow it.

My cousin is a great example of this. Pregnant with #6, and drives an Expedition XL. She's one of the "will never own a minivan" camp, no matter how cramped the kids are. It's sole purpose is a kid hauler and family vehicle. Her husbands truck is the tow/haul vehicle.


So if Rhonda (and presumably her spouse) make $500k/year she shouldn't be allowed to pick something other than a minivan to drive her kids around? Sounds like socialism to me. "You don't need that excess even if you can afford it, you only need what we deem you need."

Agree that people that can't afford certain vehicles shouldn't get them, but if they can afford it, why should I give a damn if they get it? Do millionaires need Bugatti's that go 250 mph when a Corolla will go the maximum speed on any US road legally?
Muy
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BCG Disciple said:

It is incentivized this way. I financed two in the last 5 years over this amount because one was 0% and the other was 1.9%. Figured I could out perform in the market, which has been the case (albeit much given back in the last year).


I've bought the family cars the past 6 years and always paid cash, but got my truck in early 2020 when Covid hit at 0% and took that deal. It wasn't much more than the finance price.
ChemEAg08
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Teslag said:

aTm2004 said:

ChemEAg08 said:

Teslag said:

TAMU1990 said:

I have a 2007 Sequoia and we just bought a used car last week. We are keeping the Sequoia and I just wanted a newer vehicle to drive out of town. All three kids in college have cars and we wanted two cars again.

2019 Highlander certified, $29k, 30,000 miles. Clean carfax. The prices for used Highlanders have been dropping - I think Toyota is coming out with a new body style soon. That car was $39-42k last year.

Great purchase. Another issue I see is when many morons buy a Surbaban/Tahoe/Expedition etc instead of a minivan which is better for all aspects instead of towing. And men buy these for their wives purely out of insecurity because "they don't want to be seen driving a minivan". Tons of wasted dollars there for personal insecurity.


What about hauling significant amount of cargo (people, luggage, etc) long distances and off-road (mud, rocks, etc). Is that a stupid investment asks the suburban owner or should I have bought a minivan or a Tesla for that kind of driving?

You're an exception and you know it. Rhonda, in her $85k Escalade, isn't hauling travel trailers or going off road (intentionally). She's hauling kids and their stuff to and from school/practice/doctors, etc. For majority of SUV owners, a minivan would be a better fit, but pride won't allow it.

My cousin is a great example of this. Pregnant with #6, and drives an Expedition XL. She's one of the "will never own a minivan" camp, no matter how cramped the kids are. Its sole purpose is a kid hauler and family vehicle. Her husbands truck is the tow/haul vehicle.



And why do you need a $60-80k electric vehicle when a Corolla will get gas mileage that by cost per mile is equivalent to what you are getting charging your vehicle by the use of natural gas that powers your home? That's excess but your pride says you have to have a Tesla since it's better than sliced bread.

Salute the shot.
Rip*91
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AG
Bunch of lolpoors up in here!
78669AG
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We bought a new 4runner fully loaded for less than 42k after Costco discount and before down payment. 2 available in Austin at 54k for 2023 model
Manhattan
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Well Corolla isn't as fast as my Tesla, except GR is the same price…
aTm2004
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ChemEAg08 said:

aTm2004 said:

ChemEAg08 said:

Teslag said:

TAMU1990 said:

I have a 2007 Sequoia and we just bought a used car last week. We are keeping the Sequoia and I just wanted a newer vehicle to drive out of town. All three kids in college have cars and we wanted two cars again.

2019 Highlander certified, $29k, 30,000 miles. Clean carfax. The prices for used Highlanders have been dropping - I think Toyota is coming out with a new body style soon. That car was $39-42k last year.

Great purchase. Another issue I see is when many morons buy a Surbaban/Tahoe/Expedition etc instead of a minivan which is better for all aspects instead of towing. And men buy these for their wives purely out of insecurity because "they don't want to be seen driving a minivan". Tons of wasted dollars there for personal insecurity.


What about hauling significant amount of cargo (people, luggage, etc) long distances and off-road (mud, rocks, etc). Is that a stupid investment asks the suburban owner or should I have bought a minivan or a Tesla for that kind of driving?

You're an exception and you know it. Rhonda, in her $85k Escalade, isn't hauling travel trailers or going off road (intentionally). She's hauling kids and their stuff to and from school/practice/doctors, etc. For majority of SUV owners, a minivan would be a better fit, but pride won't allow it.

My cousin is a great example of this. Pregnant with #6, and drives an Expedition XL. She's one of the "will never own a minivan" camp, no matter how cramped the kids are. It's sole purpose is a kid hauler and family vehicle. Her husbands truck is the tow/haul vehicle.


So if Rhonda (and presumably her spouse) make $500k/year she shouldn't be allowed to pick something other than a minivan to drive her kids around? Sounds like socialism to me. "You don't need that excess even if you can afford it, you only need what we deem you need."

Agree that people that can't afford certain vehicles shouldn't get them, but if they can afford it, why should I give a damn if they get it? Do millionaires need Bugatti's that go 250 mph when a Corolla will go the maximum speed on any US road legally?

Nowhere in what me or the other poster posted was about being able to afford the vehicle. It was about the better vehicle for it's primary use. I mean, you could hunt whitetail with a .50 cal, but there are better calibers for the job.
ChemEAg08
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aTm2004 said:

ChemEAg08 said:

aTm2004 said:

ChemEAg08 said:

Teslag said:

TAMU1990 said:

I have a 2007 Sequoia and we just bought a used car last week. We are keeping the Sequoia and I just wanted a newer vehicle to drive out of town. All three kids in college have cars and we wanted two cars again.

2019 Highlander certified, $29k, 30,000 miles. Clean carfax. The prices for used Highlanders have been dropping - I think Toyota is coming out with a new body style soon. That car was $39-42k last year.

Great purchase. Another issue I see is when many morons buy a Surbaban/Tahoe/Expedition etc instead of a minivan which is better for all aspects instead of towing. And men buy these for their wives purely out of insecurity because "they don't want to be seen driving a minivan". Tons of wasted dollars there for personal insecurity.


What about hauling significant amount of cargo (people, luggage, etc) long distances and off-road (mud, rocks, etc). Is that a stupid investment asks the suburban owner or should I have bought a minivan or a Tesla for that kind of driving?

You're an exception and you know it. Rhonda, in her $85k Escalade, isn't hauling travel trailers or going off road (intentionally). She's hauling kids and their stuff to and from school/practice/doctors, etc. For majority of SUV owners, a minivan would be a better fit, but pride won't allow it.

My cousin is a great example of this. Pregnant with #6, and drives an Expedition XL. She's one of the "will never own a minivan" camp, no matter how cramped the kids are. It's sole purpose is a kid hauler and family vehicle. Her husbands truck is the tow/haul vehicle.


So if Rhonda (and presumably her spouse) make $500k/year she shouldn't be allowed to pick something other than a minivan to drive her kids around? Sounds like socialism to me. "You don't need that excess even if you can afford it, you only need what we deem you need."

Agree that people that can't afford certain vehicles shouldn't get them, but if they can afford it, why should I give a damn if they get it? Do millionaires need Bugatti's that go 250 mph when a Corolla will go the maximum speed on any US road legally?

Nowhere in what me or the other poster posted was about being able to afford the vehicle. It was about the better vehicle for it's primary use. I mean, you could hunt whitetail with a .50 cal, but there are better calibers for the job.


So millionaires should get Corollas because they aren't legally allowed to drive 80+ mph on the road instead of a Bugatti because the primary purpose is to get them around, not drive at maximum speeds. Got it.
ChemEAg08
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Manhattan said:

Well Corolla isn't as fast as my Tesla, except GR is the same price…


What? Corollas can go 80 mph, why would they need something faster than what the benevolent government sets as the maximum speed allowable on the road?
Manhattan
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Don't have all day to get to 80.
schmellba99
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Teslag said:

ChemEAg08 said:

Teslag said:

TAMU1990 said:

I have a 2007 Sequoia and we just bought a used car last week. We are keeping the Sequoia and I just wanted a newer vehicle to drive out of town. All three kids in college have cars and we wanted two cars again.

2019 Highlander certified, $29k, 30,000 miles. Clean carfax. The prices for used Highlanders have been dropping - I think Toyota is coming out with a new body style soon. That car was $39-42k last year.

Great purchase. Another issue I see is when many morons buy a Surbaban/Tahoe/Expedition etc instead of a minivan which is better for all aspects instead of towing. And men buy these for their wives purely out of insecurity because "they don't want to be seen driving a minivan". Tons of wasted dollars there for personal insecurity.


What about hauling significant amount of cargo (people, luggage, etc) long distances and off-road (mud, rocks, etc). Is that a stupid investment asks the suburban owner or should I have bought a minivan or a Tesla for that kind of driving?


Addressed aleady. The odyssey has more passenger volume and almost as much luggage capacity behind the 3rd row. And already made an exception in a prior post about rought terrain.


No it doesnt. Odyssey is a 6 passenger vehicle. Tahoe is a 7 passenger vehicle.
aTm2004
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ChemEAg08 said:

aTm2004 said:

ChemEAg08 said:

aTm2004 said:

ChemEAg08 said:

Teslag said:

TAMU1990 said:

I have a 2007 Sequoia and we just bought a used car last week. We are keeping the Sequoia and I just wanted a newer vehicle to drive out of town. All three kids in college have cars and we wanted two cars again.

2019 Highlander certified, $29k, 30,000 miles. Clean carfax. The prices for used Highlanders have been dropping - I think Toyota is coming out with a new body style soon. That car was $39-42k last year.

Great purchase. Another issue I see is when many morons buy a Surbaban/Tahoe/Expedition etc instead of a minivan which is better for all aspects instead of towing. And men buy these for their wives purely out of insecurity because "they don't want to be seen driving a minivan". Tons of wasted dollars there for personal insecurity.


What about hauling significant amount of cargo (people, luggage, etc) long distances and off-road (mud, rocks, etc). Is that a stupid investment asks the suburban owner or should I have bought a minivan or a Tesla for that kind of driving?

You're an exception and you know it. Rhonda, in her $85k Escalade, isn't hauling travel trailers or going off road (intentionally). She's hauling kids and their stuff to and from school/practice/doctors, etc. For majority of SUV owners, a minivan would be a better fit, but pride won't allow it.

My cousin is a great example of this. Pregnant with #6, and drives an Expedition XL. She's one of the "will never own a minivan" camp, no matter how cramped the kids are. It's sole purpose is a kid hauler and family vehicle. Her husbands truck is the tow/haul vehicle.


So if Rhonda (and presumably her spouse) make $500k/year she shouldn't be allowed to pick something other than a minivan to drive her kids around? Sounds like socialism to me. "You don't need that excess even if you can afford it, you only need what we deem you need."

Agree that people that can't afford certain vehicles shouldn't get them, but if they can afford it, why should I give a damn if they get it? Do millionaires need Bugatti's that go 250 mph when a Corolla will go the maximum speed on any US road legally?

Nowhere in what me or the other poster posted was about being able to afford the vehicle. It was about the better vehicle for it's primary use. I mean, you could hunt whitetail with a .50 cal, but there are better calibers for the job.


So millionaires should get Corollas because they aren't legally allowed to drive 80+ mph on the road instead of a Bugatti because the primary purpose is to get them around, not drive at maximum speeds. Got it.

Continue to move the goalposts.
aTm2004
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schmellba99 said:

Teslag said:

ChemEAg08 said:

Teslag said:

TAMU1990 said:

I have a 2007 Sequoia and we just bought a used car last week. We are keeping the Sequoia and I just wanted a newer vehicle to drive out of town. All three kids in college have cars and we wanted two cars again.

2019 Highlander certified, $29k, 30,000 miles. Clean carfax. The prices for used Highlanders have been dropping - I think Toyota is coming out with a new body style soon. That car was $39-42k last year.

Great purchase. Another issue I see is when many morons buy a Surbaban/Tahoe/Expedition etc instead of a minivan which is better for all aspects instead of towing. And men buy these for their wives purely out of insecurity because "they don't want to be seen driving a minivan". Tons of wasted dollars there for personal insecurity.


What about hauling significant amount of cargo (people, luggage, etc) long distances and off-road (mud, rocks, etc). Is that a stupid investment asks the suburban owner or should I have bought a minivan or a Tesla for that kind of driving?


Addressed aleady. The odyssey has more passenger volume and almost as much luggage capacity behind the 3rd row. And already made an exception in a prior post about rought terrain.


No it doesnt. Odyssey is a 6 passenger vehicle. Tahoe is a 7 passenger vehicle.

7 passenger. We have one. The middle seat in the 2nd row is removable to make it a 6 seater. We have it removed now, because having it in made the kids all want to sit in the same row, which made me want to drive off a bridge O'Doyle style.
CanyonAg77
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Quote:

So millionaires should get Corollas because they aren't legally allowed to drive 80+ mph on the road instead of a Bugatti because the primary purpose is to get them around, not drive at maximum speeds. Got it.

I think the conversation has not been about what people should be compelled to do. I think it's been about people buying the wrong vehicle because of ego, or what the neighbors think, or because they can make the payments.

No one is forcing anyone. We're just shaking our heads at dumb decisions.
ChemEAg08
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aTm2004 said:

ChemEAg08 said:

aTm2004 said:

ChemEAg08 said:

aTm2004 said:

ChemEAg08 said:

Teslag said:

TAMU1990 said:

I have a 2007 Sequoia and we just bought a used car last week. We are keeping the Sequoia and I just wanted a newer vehicle to drive out of town. All three kids in college have cars and we wanted two cars again.

2019 Highlander certified, $29k, 30,000 miles. Clean carfax. The prices for used Highlanders have been dropping - I think Toyota is coming out with a new body style soon. That car was $39-42k last year.

Great purchase. Another issue I see is when many morons buy a Surbaban/Tahoe/Expedition etc instead of a minivan which is better for all aspects instead of towing. And men buy these for their wives purely out of insecurity because "they don't want to be seen driving a minivan". Tons of wasted dollars there for personal insecurity.


What about hauling significant amount of cargo (people, luggage, etc) long distances and off-road (mud, rocks, etc). Is that a stupid investment asks the suburban owner or should I have bought a minivan or a Tesla for that kind of driving?

You're an exception and you know it. Rhonda, in her $85k Escalade, isn't hauling travel trailers or going off road (intentionally). She's hauling kids and their stuff to and from school/practice/doctors, etc. For majority of SUV owners, a minivan would be a better fit, but pride won't allow it.

My cousin is a great example of this. Pregnant with #6, and drives an Expedition XL. She's one of the "will never own a minivan" camp, no matter how cramped the kids are. It's sole purpose is a kid hauler and family vehicle. Her husbands truck is the tow/haul vehicle.


So if Rhonda (and presumably her spouse) make $500k/year she shouldn't be allowed to pick something other than a minivan to drive her kids around? Sounds like socialism to me. "You don't need that excess even if you can afford it, you only need what we deem you need."

Agree that people that can't afford certain vehicles shouldn't get them, but if they can afford it, why should I give a damn if they get it? Do millionaires need Bugatti's that go 250 mph when a Corolla will go the maximum speed on any US road legally?

Nowhere in what me or the other poster posted was about being able to afford the vehicle. It was about the better vehicle for it's primary use. I mean, you could hunt whitetail with a .50 cal, but there are better calibers for the job.


So millionaires should get Corollas because they aren't legally allowed to drive 80+ mph on the road instead of a Bugatti because the primary purpose is to get them around, not drive at maximum speeds. Got it.

Continue to move the goalposts.


But to get millionaires around, a Corolla would be much better as a primary vehicle than a Bugatti, kind of like a minivan would be much better to get a family with kids to get around than a suburban/Tahoe. So I guess that's moving goalposts.
CanyonAg77
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Quote:

No it doesnt. Odyssey is a 6 passenger vehicle. Tahoe is a 7 passenger vehicle.
Oddys seat 2 in front, three in 2nd row, 2 in rear.

Seven
ChemEAg08
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CanyonAg77 said:

Quote:

So millionaires should get Corollas because they aren't legally allowed to drive 80+ mph on the road instead of a Bugatti because the primary purpose is to get them around, not drive at maximum speeds. Got it.

I think the conversation has not been about what people should be compelled to do. I think it's been about people buying the wrong vehicle because of ego, or what the neighbors think, or because they can make the payments.

No one is forcing anyone. We're just shaking our heads at dumb decisions.


Yes and the beauty of our capitalist society is people can make "dumb decisions" even though you may not know their full story. If you met me randomly and I told you I had a suburban, you may think it was an idiotic decision as pretty much was said to me by an employee at the auto part store.

But I especially don't give a damn what the "experts" think of me. Whether it comes to cars to "climate change" or taking the rona shot.
aTm2004
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ChemEAg08 said:

aTm2004 said:

ChemEAg08 said:

aTm2004 said:

ChemEAg08 said:

aTm2004 said:

ChemEAg08 said:

Teslag said:

TAMU1990 said:

I have a 2007 Sequoia and we just bought a used car last week. We are keeping the Sequoia and I just wanted a newer vehicle to drive out of town. All three kids in college have cars and we wanted two cars again.

2019 Highlander certified, $29k, 30,000 miles. Clean carfax. The prices for used Highlanders have been dropping - I think Toyota is coming out with a new body style soon. That car was $39-42k last year.

Great purchase. Another issue I see is when many morons buy a Surbaban/Tahoe/Expedition etc instead of a minivan which is better for all aspects instead of towing. And men buy these for their wives purely out of insecurity because "they don't want to be seen driving a minivan". Tons of wasted dollars there for personal insecurity.


What about hauling significant amount of cargo (people, luggage, etc) long distances and off-road (mud, rocks, etc). Is that a stupid investment asks the suburban owner or should I have bought a minivan or a Tesla for that kind of driving?

You're an exception and you know it. Rhonda, in her $85k Escalade, isn't hauling travel trailers or going off road (intentionally). She's hauling kids and their stuff to and from school/practice/doctors, etc. For majority of SUV owners, a minivan would be a better fit, but pride won't allow it.

My cousin is a great example of this. Pregnant with #6, and drives an Expedition XL. She's one of the "will never own a minivan" camp, no matter how cramped the kids are. It's sole purpose is a kid hauler and family vehicle. Her husbands truck is the tow/haul vehicle.


So if Rhonda (and presumably her spouse) make $500k/year she shouldn't be allowed to pick something other than a minivan to drive her kids around? Sounds like socialism to me. "You don't need that excess even if you can afford it, you only need what we deem you need."

Agree that people that can't afford certain vehicles shouldn't get them, but if they can afford it, why should I give a damn if they get it? Do millionaires need Bugatti's that go 250 mph when a Corolla will go the maximum speed on any US road legally?

Nowhere in what me or the other poster posted was about being able to afford the vehicle. It was about the better vehicle for it's primary use. I mean, you could hunt whitetail with a .50 cal, but there are better calibers for the job.


So millionaires should get Corollas because they aren't legally allowed to drive 80+ mph on the road instead of a Bugatti because the primary purpose is to get them around, not drive at maximum speeds. Got it.

Continue to move the goalposts.


But to get millionaires around, a Corolla would be much better as a primary vehicle than a Bugatti, kind of like a minivan would be much better to get a family with kids to get around than a suburban/Tahoe. So I guess that's moving goalposts.


ChemEAg08
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Manhattan said:

Don't have all day to get to 80.


So it takes 2+ hrs to get to 80 mph in a Corolla?

Also, you know you're defending Elon who hates the woke liberalism cancer you espouse on this website, right?
 
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