Auto Loan Debt VS Student Loan Debt

[@coqui4736]

I just sold my financed vehicle. I had to come out of pocket 3k but I feel much better that I can now focus on paying my credit card debt. I now drive an older vehicle and I don’t care..lol

[@LuckyLopez777]

I drive my turbo lifted smart car and love it

[@vaxsur]

how much?

[@MrBeefsnorkel]

@@LuckyLopez777 im so glad you still have that

[@Kevin-mk6jo]

If it was financed, was not yours. 😉

[@Papolucho702]

Yup, been preparing mentally to get rid of my car and get an older one My wife really doesn’t want to get rid of it. I told her the day we can’t afford groceries is the day we get rid of it. I don’t need that shit box weighing us down.

[@clarkbrowning8473]

I drive a 06, just replaced (myself) front end suspension and rear shocks. Drives like new again… My truck looks rough on the outside but she’s got a heart.

[@edwinna-u1w]

I'm glad you made this video, I can recall when I was homeless and faced with many things in life until $75,000 biweekly began rolling in and my Life went from A homeless nobody to a different person with good things to offer!!!!!!

[@GennaroCavagnuolo]

Same here., I strongly agree that the Bitcoin ETFs approval will be greatly life opportunity for us, with my current portfolio of $102,500 from my investments with my personal financial advisor Georgette Wong I totally agree with you😊

[@BobbieSchmitt]

YES!!! That's exactly her name (Georgette Wong) so many people have recommended highly about her and am just starting with her from Brisbane Australia...🇦🇺

[@GleasonRodrick]

She's my family's personal Broker and also a personal Broker to many family's in the United states, she is licensed and a FINRA AGENT in the United States.

[@munipradeep]

The very first time we tried, we invested $1000 and after a week, we received 4500. That really helped us a lot to pay up our bills.

[@Carlasaucier]

Georgette Wong has really set the standard for others to follow, we love her in Canada🇨🇦as she has been really helpful and changed lots of life's

[@Hemibuck95]

The pandemic taught me a hard lesson as a SBO and home owner. So I worked my ass off, stayed focused and am now I'm 100% debt free, including my home. I'll never ever go back in debt. People talk about freedom. Being debt free is a different kind of freedom and it's s amazing! Make it a life goal. It's so worth it. Also I went to a trade school, never had student loans.

[@chadlillemon2623]

Same! Life is a struggle ANYWAYS don’t make it harder!

[@raymondreiff8170]

@@Hemibuck95 Amen hard work still sets one free, Just as long as one doesn't just Drown in Dedt to try impressing others, I see it especially in younger Guy's Needing a $80.000 Truck with NO chance of owning a House anytime Soon trying to pay for something Just Not Needed in most cases.

[@Hemibuck95]

@raymondreiff8170 yes that it true.

[@fishhuntadventure]

@@raymondreiff8170 My best friend argued with his 22yo son for a few months. Son wanted to buy a fancy pickup; he’s living at home still because he doesn’t have enough to rent an apartment and doesn’t have the 20% to buy a home… my friend finally got through to him the idea that a $1000 truck payment was going to ensure he’d not be able to buy a house or have an apt for the next ten years. I don’t know how these young people think they can do this stuff!

[@NorthN2TheEast]

People are getting car loans that look like mortgage payments. Can't end well

[@jedclampett7705]

Not doom & gloom, Lucky. FACTS & TRUTH!!! Keep ‘em coming. Finger on the pulse of what’s going on much appreciated.

[@overflowbeats6965]

Going into massive debt for transportation is wild af

[@g3powerbook335]

i'm ballin' with my financed Tesla Cybertruck and my under water basketweaving degree.

[@LuckyLopez777]

Yessssss

[@thelastboomer9088]

Can I interest you in some Enron stock?

[@rhr19eighties]

😂😂😂

[@ryanlight1013]

Same here! 90 bands on my gender studies degree and still owe 110 bands on the tesy. Vote Kamala! She’s amazing!

[@kyleinpa5285]

@@thelastboomer9088I’m listening….

[@garonkiesel1646]

As far as the auto industry goes, isn’t the only solution cheaper cars? I saw an add for a Ford Raptor at $92,000. Who the hell would spend $92,000 for any Ford!?

[@lne9070]

If it’s not a Ford GT, then it not worth $92k

[@scottgjerdingen]

Modified quote from the tv show Baretta - Don’t do the crime (debt) if you can’t do the time (pay it back). People need to quit living beyond your means.

[@lgee9027]

I just told my students this yesterday😂😂😂😂

[@MX-CO]

2004 yukon, paid $2800 cash and I love ❤️ it

[@MX-CO]

I still can't afford rent even without a car paymen

[@youtoobisdogpoop]

Rent? You already drive a house on wheels. Why do you think the hippie van was so popular back in the 70s when stagflation was also an issue

[@gag141]

I can't wait to be done paying off my car. 2 more years, 10k left 457 a month. After that i can focus on paying off my student loans by using car note money.

[@ashishpatel350]

all this shows is how incompetent adults are when it comes to basic finance.

[@H.A.L96]

Right they don’t teach any financial literacy in schools.

[@Paeoniarosa]

Thankfully I use my college degree, but the first 2yrs of college were general classes. I didn't take classes directly related to my major until the last 2yrs. Universities should be run like technical schools, cutting out the fluff. I only needed the 2yrs of classes, but have to pay for 4yrs to have gotten the degree. Universities are a racket.

[@lngtimesurfer]

Universities are a racket because the corporate world demands it. I work in IT, got my degree, most of the classes/topics were years behind the industry (like decades), you really don't need a degree in IT, just an aptitude to learn, but the truth is you will make more or have more opportunities having one. I got head hunted out of school and within 2 years was making over six figures. Would have to fight tooth and nail or "wait"/work your way up for significantly longer to get the same opportunities from a strictly certification stand point which is absurd. It's a total racket.

[@elcheapo5302]

Oh no! People might have to start living within their means! The horror!

[@quademasters249]

I'm thinking if they can still afford their payments, they could have avoided payments in the first place with some discipline.

[@KKop]

The job numbers are propped up by government hiring.

[@johnhinant970]

Loosing more jobs than gaining!

[@zhxiaol]

The job numbers doesn’t count those who gave up looking.

[@WTF-sh4is]

What it tells you is that, all those people whining about their student loan payments and forgiveness really shouldn’t be driving their BMWs and Mercedes!!! I say let these fools go bankrupt.

[@LuckyLopez777]

Very true lol

[@mikeydude750]

if only student loans could be removed by bankruptcy!

[@Atlas5-jk8fy]

Listen boomer younger generations can't afford to start families also can't pay for your retirement which is also on the chopping block, you need younger generations to reproduce to support the old... And yes high inflation + low pay jobs is globalization so college was a scam. Demographics is destiny

[@zkal11]

Have student loans (grad school), no auto debt. I'm pro some student loan relief, but I can respect this opinion. People need to have personal responsibility. I'll assume you are for prosecuting PPP loan fraud. I only say this because we know there was a LOT of PPP money obtained fraudulently. I'll hear anybody's opinion on student loan relief except those who had any PPP loan forgiveness (MTG comes to mind, but that fraud is bipartisan). Those hypocrits really need to sit down and STFU.

[@jedclampett7705]

Pretty sure Vivek, Elon & The Trumpster agree with you. Stay tuned. 😉

[@CDeuce152]

No student loan debt, went to community college (literally blocks from my childhood home). I have an auto loan and I have the option to pay off the balance at the right opportunity.

[@ThatsWhatSheSaid75]

Some great points, Lucky! I'll just add my POV as an individual that is completing his second master's degree (because I enjoy learning). A degree is not a silver bullet (be all end all) that will conquer the business world. To put it bluntly, anyone can get a degree, and the vampire education systems feeds off of that. A degree is a door opener, once inside, you still have to perform. The current educational system needs an absolute overhaul, which is an overly simplistic statement, I know.

[@raymondreiff8170]

Good evening, Don't over spend, Free yourself 🇺🇸💪

[@LuckyLopez777]

Facts!!! $$$$

[@Hemibuck95]

Amen!

[@chadlillemon2623]

Excellent

[@idaho_7407]

Lucky, you have the platform, the knowledge and expertise to educate people that an older vehicle, mechanically sound, kept up, good tires and clean inside and out even if waxed a bit over rust, even if the upholstery is ragged but clean is a pure source of confidence. Educate those that need this advice, show them the way out of debt. Best to you.

[@manatee419]

When the government lives in debt, how do you expect the society See things.

[@rhr19eighties]

Very true as they are supposed to be our leaders

[@MichaelL-z6g]

Student loan debt is far worse than auto loan debt for the simple reason that it's almost impossible to discharge student loan debt in bankruptcy. So, if you default on your car loan, the car gets repo'd and sold at auction, you could file bankruptcy and the balance you owe on that car loan would be wiped out. Unless Bankruptcy law gets changed to treat student loans like any other nonpriority unsecured debt, then a person with student loan debt will be paying off that loan forever!!

[@GideonHawk-j8i]

You mentioned the down payments for LLP on two cars a couple videos ago, I’ve watched your interview with them a few times and would love for you to do a quick breakdown on how they structure their loans, typical down payment percentages, what they like to see dti in regards to what bank statements show vs what your payment will be, interest rates, can you sell it like a normal financed car or do they come in for a cut on the back end, sales tax recapture etc. I know it’ll be slightly different on a case by case basis but maybe just what you’ve seen on your cars with them and others you know who went through them. I’ll be moving back to Vegas next year and plan on hitting you up to find me a huracan and plan to finance it through them.

[@jwg9338]

I was just looking at buying a snow plow 3/4 ton package, but couldn't pull the trigger. 90k otd. The numbers just don't add up.

[@fubar1764]

Lopez, you are spot on! Not having college debt nor law school debt meant that I could have the emotional and spiritual freedom from anxiety. Debt crushes you emotionally and spiritually. You lose as soon as you leave the gate.

[@Zoet50]

I have zero debt . Why do I feel Im still going to get screwed when the government starts inflating away the debt and my cash devalues.

[@chadlillemon2623]

Im with you 💯

[@lgee9027]

We will😢

[@LuckieStripes]

Thank you Lucky for another great video!!

[@ghostring3624]

Remember that you can’t discharge student loan debt with bankruptcy. If you default on a student loan you’ll never be able to have a job that takes government money (eg doctors who default can’t take Medicare patients). At least with car loans you can sell to get rid of the loan or even if upside down you can probably manage.

[@glitterhands99]

You are so spot on, it will take time (imo at least 18 months) for the market to normalize somewhat.

[@nastang87xx]

Lucky is the KZbin voice of reason.

[@tinongnjong1305]

I'm thankful as a 23yo to have no student loan and no credit card loan, and also to have my Tesla for 0APR 🙌🏾. Pandemic was harsh but loans are harsher

[@mofomoco]

Make way over 100k a year. Have a car payment of 650...buy what you can easily afford. Not hard.

[@bnim85]

Thank you for this. I feel like I’m taking crazy pills watching the stock market, crypto, the housing market until recently, unemployment numbers, etc. I make a good living but it’s costing me 20% more to live than before COVID and that’s probably an understatement. I have no debt except my mortgage and it’s still difficult to save money. I can only imagine what it is like for people with credit card debt. student loan debt and auto debt.

[@ZachMat817]

I think you are one of the few people that is raising the red flag still and honest. Love your videos. Me and my wife bring in $250k and are vehicles are paid off, $500k house we are paying on, no other debt, all on our own no help from parents, but see so many people in our neighborhood with brand new Denali Yukons and Sierra HDs out front, 3 kids, and one is a social media infuencer and the other a roofer and have zero idea how they are doing it, Im guessing zero retirement and massive amounts of debt, but month and year after year they are still buying, vacationing, etc. so idk, people either are just better with money than us or sh*t is about to hit the fan.

[@Steve-Richter]

There have to be numbers published by the Fed, commerce dept or treasury which reveal the degree to which people are in debt and how much disposable income they have.

[@Oleg-fp9hn]

fear, force and debt is nothing in comparison with respect, (natural) authority and on top of all is love!

[@vicwiseman6038]

I drive a 2022 Prius L Eco which I purchased new from the dealer. With almost 85k miles, the car basically pays for itself. I drive 145 miles per day 5 days a week for work with over 50 mpg. I plan to drive this car until I can drive it no more. I just replaced the tires and am about to replace the battery. Brakes have over 50% left on them. I have auto pilot installed (Comma 3X) and it does most of the driving for me. I don’t understand this idea of an $800+ car payment. That’s absurd especially if you make less than $35/hr.

[@tacomafan5186]

Paid off my 2019 Tacoma early last year. Plan on driving it till the wheels fall off!

[@barriowoodworks]

Drive a 2005 Tacoma, original owner, overhauled engine, new suspension. Smooth ride.

[@ghostring3624]

Even the Bible says debt is slavery.

[@handleyobusiness]

“The borrower is a slave to the lender.”

[@Zoet50]

@@ghostring3624 it also said slavery was just fine. I’ll pass

[@quademasters249]

The biggest difference is the feds will go after you for student loan debt. They won't for auto-loans. You can bankrupt out of an auto-loan or just stop paying and only ding your credit rating.

[@eddiemunster8634]

At least the bad auto loans have some value with the repossession, most of these degrees are completely worthless to anyone and there's nothing to repossess. Our government should get out of the student loan business altogether, there's no justification for taxpayers paying off these bad student loans

[@stanmarcusgtv]

BO did that for a reason easy student loans drove up the price of tuition just as easy and low rates drove up the price of homes u r correct, get the gov out of the loan business and make the greedy schools responsible when the students can't pay for their worthless degrees

[@JesusGarcia-en3pj]

Why do people feel entitled to buying a new car? As if its the only option. It “triggers” me almost as when a couple says “we bought/built” our dream home. Did you fork over 6 figures in one go? Did you take 1-3 months to build the house prodigiously for 8-14 hours a day?

[@quademasters249]

The 2 cars I drive the most are a 09 Fit and an 06 Odyssey. They both have > 220,000 miles on them, They both drive fine. Wife has a nicer car but it's paid off. I don't really desire a new car. It's not just the payments but the cars themselves don't really interest me. Too many nannies and too much electronics unrelated to driving the car. If one of my cars drops dead, I'll probably buy a newer version of the same car. I just don't think these new turbo-4 banger cars are as reliable as slower NA cars.

[@earlmarsh2285]

I cant keep up with the Jones, I know not too even try, Im taking care of what I have,

[@Zizook]

I love student loan debt, it creates less competition for assets 🤑

[@abelverdin2851]

Trades are better than a bogus degree, no debt, better pay out of high school…advise for my kids…I got the degree with a scholarship paid for and I still don’t recommend that route unless u want to be a lawyer or doctor it’s a trap like a car loan nowadays….

[@stevenbrooks1243]

Im in Northern Nevada Reno ya rent and insurance in Nevada is RIDICULOUS

[@johnanderson9735]

It’s a vicious cycle. We all have succumbed to the marketing that we can have it all for ‘just a small payment’ every month at some point. The banks and credit unions take chances because their business is loaning money when it is clear that a particular borrower should not get a particular vehicle. But then the automakers pressure the banking industry to loan so they can sell their overpriced vehicles. And lastly a lot of us wanted our piece of the American Dream, a house, how can we do it all?

[@TheCarCrazyGuy]

SoCal resident, cheap mortgage, no student loans, very little consumer debt, $1100 car payment and I can easily afford it. My other vehicle a 2024 Silverado 2500 Duramax with an $87k MSRP paid for in full. Not everyone is broke.

[@begelston]

I'm certainly not broke, but I'm not a CarCrazyGuy, so I'll never put that kind of money into a vehicle.

[@TheCarCrazyGuy]

@ I’m not married, no children. I’m enjoying my money

[@isaacchavez1425]

@crazycarguy hey man your doing better than I am! I'm not making $ like you but I own 5 vehicles. 1980 sierra grande, 92 tercel, 92 s10, '10 IS F, & '24 WRX. All but WRX is paid off. I'm 33 making ~50-60k/year with no kids. It keeps us out of jail & out of trouble!

[@lgee9027]

@@TheCarCrazyGuythis video is not for you😂😂😂 it is for the people who cant afford it

[@TimP-p2h]

Taking from Peter to pay Paul until Peter has no more money to take.

[@dmimcg]

It is getting so hard to get a loan these days. After being turned down by 3 banks, I was finally approved for a loan on a 2024 Jeep Grand Wagoneer. Did pretty good, got 14.9% for 72 months on $99,000 with only $10,000 down. My payments are just $3,500 per month. Life is good.

[@stanmarcusgtv]

and the best thing is that you are probably only $20-30k upside down on that loan now good thing Jeeps never need repairs and get such good mpg and have such low ins rates

[@lgee9027]

I hope this is sarcasm😂😂😂😂😂😂

[@jeffjordan8182]

Just to build on what you said, the economy is great for those with no debt. But if you build, buy or sell things that rely on debt (cars, real estate, heavy equipment etc.) the economy is not-so-good. I

[@MX-CO]

I have no debt and I'm still broke

[@Atem_S.]

I still have student loan about 3K CAD left to pay.

[@eddiemunster8634]

Seems to me that if you have student loan debt you should not also have an auto loan debt, you're making poor financial decisions that taxpayer should not have to pay for

[@SirCarlosMusicBMI]

🌴🌴🌴 This story really shocked me! I had no idea that people were getting this deep in debt for cars that lose value immediately. And I’m still curious as to what happened with the Tesla project car? Did you make it to the show to display it? Thank you Lucky. Blessings,Carlos ✝️🙏❤️😊🇺🇸

[@beccakaley8846]

I am so screwed! I have 200k student loans & 57k car loans & 10k credit card. I had to voluntary repo one car. Please pray for me! Trying trust in God to help me.

[@beccakaley8846]

I only make 14 an hr had fight to get to 14 an hour! My hours cut from 40 to 32. Have go other stores to get my 40.

[@johnhinant970]

When will the brunt of student loan debt arrive?

[@steven4315]

Biggest long-term effect of debt? Falling birth rate.

[@drdetroitwheels]

When you said buy here pay here you automatically struck a nerve with I never bought a car from him personally Fred from gmf motors if I finance him and I will I can finance you I don't know if you remember gmf motors Fred naseer I used to go to school with his son and his head repo Man I don't know if you ever met him bubba big white boy from Virginia one of my best friends of all times and I miss him dearly everyday

[@pauldurand1890]

Your sample size of 150 people is too small to substantiate your assumptions

[@lngtimesurfer]

Unfortunately our economy runs on debt, fractional reserve banking, derivatives and securities are all wall streets way of making money when growth has stalled. We're taking the prosperity of tomorrow to enrich a limited few today because we've rung the towel dry. There will be a reckoning, the question is will there finally be "losers" at the top

[@manhattanblack]

Short answer: it is

[@mikebellmore4132]

Corporate greed. Capitalism is a bitch but, the best system in the world!

[@Billliamm]

If everyone thinks this giant crash is coming, why is the market going UP parabolically since 11/6?

[@Lightdog555]

Lucky is just a fear monger

[@Billliamm]

@Lightdog555 obviously. Pointing that out by making him explain why the market is behaving precisely opposite of his prediction. To be fair I agree with his assessment, and am planning for a big downturn, but I'm just an idiot random person on the internet.

[@CaRWyN1125]

Great video

[@azazelakira12]

Yeah, this society is controled by debt, they all want tne newest, shinniest things even if means to sell their souls....

[@PassportBrosBusinessClass]

A car is the second most likely investment that the American citizen is going to make aside from buying a house. That old saying rings true: “you can sleep in your car, but you can’t drag race a house”. There are too many people who are spending too much money to buy flashy luxury cars, and then either losing them to the repossession man or to maintenance and insurance premiums that they can’t afford. I’d love to go out and buy a top level luxury car, but I know that I have to be frugal with my money because in this current economic climate you have no idea which way things are going to go.

[@giovanniberdejo-gallegos3569]

You didn’t use your GI Bill, Lucky? You left money on the table, my brother.

[@eDuCincoCinco]

Well nice advice from someone who broke his auto business and tries to sound like he is the walking knowledge

[@gustavodiaz4689]

Buy a Tesla under 40k for a car and you don’t have any maintenance fees

[@southpoleelvs]

I have so many friends that have negative equity. Easily 8+ thousand

[@ruthlessreid9172]

Just like student loans auto loans are mainly held by women by %.

[@Shuguiis]

I like to hear another voice of reason

[@EdwardCoblah]

I'm favoured financially with Bitcoin ETFs approval, Thank you buddy.$28,600 weekly profit regardless of how bad it gets on the economy.

[@Bridget1-k7s]

Same here., I strongly agree that the Bitcoin ETFs approval will be greatly life opportunity for us, with my current portfolio of $102,500 from my investments with my personal financial advisor Steve Miley I totally agree with you😊

[@chigbochinenye2600]

YES!!! That's exactly his name (Steve Miley) so many people have recommended highly about him and am just starting with him from Brisbane Australia...🇦🇺

[@CaneRobert]

He's my family's personal Broker and also a personal Broker to many family's in the United states, he is licensed and a FINRA AGENT in the United States.

[@ElizabethSerah-i1g]

The very first time we tried, we invested $1000 and after a week, we received 4500. That really helped us a lot to pay up our bills.

[@PattyEdge-w7b]

Steve Miley has really set the standard for others to follow, we love him in Canada🇨🇦as he has been really helpful and changed lots of life's

[@jakestr99111]

I agree with almost all. I don't think Trump will let the average person feel the pain of their debt/leverage to the point of healing. He wants to be popular and win too much to actually let the consumer pay the reprocussions of their actions, though I hope I am wrong.

[@zerozeru]

This is your local economy and does not speak for everyone

[@roys-d9x]

Enjoyed

[@smintner]

I like cars older than 15

[@s99614]

Ban student loans!

[@ernestdraper4185]

America has used all of them

[@drdetroitwheels]

When you watch the interest rates go down after president Trump takes office you will see a difference in the interest rates and when Doge takes effect and they lower at a low estimate 25% of the money that they take we take in in Texas saved 4.4 trillion a year they reduce it by 1.1 trillion dollars a year at a low estimate you will see money coming back to the people

[@frankk5477]

You will also see inflation so I hope you are an owner of assets to help offset paying more for everything.

[@drdetroitwheels]

Let me explain something to you when Trump brings all the jobs back to America I'd rather be working and paying more for products than not having a job and paying less for products

[@dgoldberg2008]

Related topic: I think people with low scores 400 - 590 should have to go through classes on loans. Prin Int etc how it affects credit scores etc.

[@oleradiodudea.m.4735]

People who go bankrupt have to complete a budgeting class before they get their debt dismissed

[@poeticprincee9750]

The economy runs on miseducation. Why do you think they don’t teach it in school?

[@joshuakerstein9573]

50k student debt and 70k auto loan debt. 😅

[@JWelk92]

I don't mind sharing my debt right here. I have $34k in student loan debt that costs me $34.00 per month and $2700 in personal debt that costs me $110 per month (I pay $150) at 0% apr for 24months (no payoff penalty).

[@wayneburch3775]

At $34.00 a month isn't that 1000 months to pay back with out interest. I think that's 83 years Bro. You've already been gifted your student loan forgiveness.. From the TAXPAYER'S..ME... who' borrowers $34 k For $34 a month. ????

[@chadlillemon2623]

Calculate the interest you are paying

[@TB-LivingFree]

LeaveAnyComment &ThumbItUp 4AIgosAll

[@MX-CO]

I work full time, have no credit cards, no car payments and im still broke, i seriously dont understand how people are doing it? Does everyone have family money? I dont

[@sterlinghinton6776]

Whats your job? I'm a registered nurse, 29, and make between $45-$64/hr at both my jobs in nursing homes.

[@MX-CO]

@sterlinghinton6776 road construction, currently making $18.60 I haven't been able to get a better paying job, not for lack of effort, I also sold cars for years and average was about the same but with ups and downs

[@isaacchavez1425]

I'm 33 work 2 jobs 1 full time 1 weekends only. Making about 50 - 60k/year. I wouldn't say I'm doing amazing but let's just say I have a stupid addiction to cars & own 5 of them. No they're not expensive but they all run well & all maintenance has been proper. Gotta hustle 💯 you get all the sleep you need when your dead. Stay awake & enjoy life

[@chadlillemon2623]

😂 I just posted the same thing, I wouldn’t call us broke, but we are debt free and the prices are out of control. I think people have no freaking clue of their financial situation.

[@green-fn11]

AI thumbnails are bearish

[@raymond_sycamore]

lol you used a woman in the thumbnail ;-)

[@matthiasgrutzner9768]

Top tip concerning student debt: be European and study for free 😊

[@freedomarmory6634]

Ya no thanks I like having freedom and rights....

[@Tinyzkid]

Have an $80K car loan on a Porsche 718. But could pay it off if I wanted. Put my money to work instead. Currently up 400% with Ski Mask Dog

[@peli3783]

Every single one of your videos is Doom and gloom

[@sayaddesign]

I can't take anything you have seriously after you try and talk people into leasing a supercar and putting down 100k for lease.

[@jetfuelg4083]

Blame the banks. They should not be approving loans to irresponsible people but it is what it is.

[@phillyfathead]

So there should be no personal responsibility???

[@tenhundredkills]

Since when is it the bank's responsibility? Individuals need to have their own responsibility for spending beyond their means.

[@jetfuelg4083]

@@tenhundredkills people who have PROVEN THEY ARE NOT CAPABLE OF HAVING PERSONAL RESPONSIBILITY ARE STILL BEING APPROVED! They are TOO STUID TO LEARN OR UNDERSTAND WHAT THEY ARE DOING AND THE BANKS ARE PROFITING OFF OF IT AND THE END RESULT IS INCREASED PRICES AND RATES FOR ALL PEOPLE INCLUDING THE PEOPLE WHO ARE CAPABLE OF BEING RESPONSIBLE FOR THEMSELVES! IT IS PREDATORY AND IS AN INTENTIONAL MOVE BY THE INDUSTRY! Have a great day my fellow patriots 😘🇺🇸🇺🇸🇺🇸