HOW I PAY FOR MY 10 SUPERCARS *CAR FINANCE EXPLAINED*

[@TGE]

Read more & find out what you can do here: www.charlesanddean.com/tge And see more of my face. Sorry.

[@Sam_Stanton]

I gotta say, massive respect for saying how much you pay for each car a month at 15:10 👌🏻 I appreciate your transparency

[@ZERO_Zero0]

Eye watering numbers, mega stuff

[@Sam_Stanton]

@@ZERO_Zero0 Legit! Very motivating

[@khierddineamx4783]

I dont get it does he rentel this or he own them ? What he meant ?

[@chh7681]

seems like he's doing a 10 year loan on each vehicle ( i only estimated for the f12 based on 330k msrp + tax w/ 20% down at 3% interest)

[@Marc-uw4lw]

@@khierddineamx4783 I believe he's referring to the typical HP (Hire Purchase) agreement whereby you pay for the car/item monthly and after the final payment is made, ownership of the car is legally transferred to you from the finance company. That's why it's important to look after the car, since it's not technically yours until the loan is repaid in full, and if you need to sell it, you still need to be able to cover the loan amount with the car's value.

[@primer_rs]

My biggest gripe with finance is when people rant and rave on about "if you can't pay cash, you can't afford it", as if finance means we don't have to pay for our cars... Madness. Thank you for being open and honest about what you do!

[@TGE]

Absolutely this mate!

[@jayjaycaracas413]

I think most of those people are not bussiness minded. Anything over 10k is just not worth it to buy in cash unless its a classic our an amazing deal. Its crazy how People will empty there bank accounts for a car. Cash flow people / passive income 💯💯.

[@D13-r9w]

It's al rosy if the market's good when you flip but if not then you can be caught out big time. Finance isn't a golden egg but my guess is TGE knows this and his income covers off any risk, he seems a smart, very hard working chap

[@tanmay_6363]

But I think that statement is true "if you can't pay cash, you can't afford it"

[@Techcypherpunk]

I generally don’t understand why someone would hate you. You’re literally just a hardworking lad that became successful. To me that is inspirational. Love your content 👍❤️.

[@migssantino2101]

Haters gonna hate. That’s why.

[@davidhill431]

Because people think all he does is drive 200mph cars round London...which is fine if that's what he wants todo!

[@scottnaish-theheartpatient2016]

@Monday, Tuesday Is My Weekend do any of the youtubers actually own a car ?

[@carveybarends6800]

Bro I get happy when I see people who hate on successful people because I know it weirs down the competition

[@ChatterNatter]

When people say oh he’s got finance on his cars blah blah but don’t realise how expensive finance is and to say Tom can pay in the excess of around £8000-£9000 a month that is mental congratulations!!

[@sirchickenfood8561]

You are a genuine guy. There's no need to be ashamed of car finance. It's almost like we have to buy them outright. But realistically you pay and own your cars. Thanks for this video man.

[@t2rew]

Kevin from Charles and dean is buttering up the underwriters to fund a car for me as we speak. Impressed with their attitude 👍

[@SCYorks]

I just want to say a huge amount of respect to you for being so transparent with regards to how you fund your cars unlike certain people on KZbin.

[@recalcitrant_recidivist9278]

The F12 is a lovely looking machine. Be lucky Tom!

[@dehydratedvital]

i can’t believe you cheated on sainsbury’s

[@TGE]

😂😂😂

[@HeIvetikate]

most youtubers be like "yeh i bought these all CASH" , this was very inspirational and informative, thanks

[@ajh7897]

"Pista is WAS 3,300" oh no is it in the sea Tom?

[@louis_jessop6524]

AJH he better not have sold

[@benbradbury3665]

Noticed this also

[@derekdok]

@@louis_jessop6524 He said in his last vid it was for the sea.

[@zoraver95]

That was very cash money of you

[@dean1834]

This chat was a very positive open account from both parties, charlesanddean good advice.

[@95lal]

Fucking hell 20k a month basically on finance, I know it’s all relative but that’s an insane figure!!

[@Rodrigoxki]

As I've said numerous times before: World's greatest spec'ed F12, no doubt whatsoever, and arguably the world's best spec'ed 992 Turbo S as well. That Merc is also soooo so good. Winning Tom. You know I often take friendly jabs at you for the amount of "driving" miles in your car but I genuinely admire your hard-working attitude and your stance towards life. Thank you for all the free content over the years!

[@sigarner01]

Love the honesty and let's face it, you've worked hard to afford the cars you've got. Keep up the churn

[@willy.photograph1566]

Another quality vid. Love seeing your content!

[@TGE]

Thank you!

[@D13-r9w]

It’s a brave man that expects a return on any car right now.

[@TGE]

Unless you’re an automotive KZbinr

[@D13-r9w]

@@TGE haha I guess. The GT should be cast iron (an F40 would be too) but modern, "special" Ferraris are a burning hole of depreciation atm

[@Omar31587]

I totally agree it's such a faff, for me it was like a cat and mice chase. I had a credit score of around 993 when I went through finance for a new bmw 2 series and still got declined, so I had to consistently keep hunting and finally got accepted in the end.

[@bambychoi9366]

When work ethic meets talent, you’re guaranteed to be successful.

[@ashleywilliams5718]

Thought I had a hair on my screen 😩

[@oWispify]

Always rate your transparency with everything. Clickbait titles but quality content

[@TGE]

That’s how it’s done here mate. Thank you!

[@paddydowney6269]

Loving all those monthly balls in the air Tom, you’re obviously managing it all very closely. There must be £20k of monthlies on the houses and cars before you even buy a pint of milk 😂

[@regboss6237]

You mean £20k just on the cars, mortgages on top!

[@derekdok]

Could you have a word with Pigeon and tell him not to ruin that RS6.

[@TGE]

Too late

[@maxwell2003]

Inspirational... More life TGE TV!

[@TGE]

❤️💪

[@benbradbury3665]

goober you realise the GT would be that on its own? More like over 1.2 million, the guy has real earnings. Just think what else he could spend the over 14k on. That’s with out the the houses, watches and every thing else.

[@SmokeyJ69]

Thank you for being so open, yet not many people would openly discuss their outgoings 👏🏽

[@vikvijay]

Started with a Clio and now your here 👌.Inspiring chap you are sir and a very quotable one indeed .Keep churning and stay safe Tom .

[@smf1384]

the upside-down editing is genius!

[@Toby_the_Glen]

I like these "fireside chats" with Tom. Hopefully, when he moves to the country to live the 'Harry 's garage' life, he'll include a sunday morning cooking spot!

[@yazctr]

please don't insult Harry like that.

[@paulpressland]

Same principle as property finance. Always pay off some capital each month. That benefits your residual and if you buy quality non deprecating cars it is an enforced way of saving. 🐐

[@TGE]

Exactly this!

[@EisnerMax]

C&D are the best in the business! A shining beacon of light in a market with some really bad eggs...

[@RDJ979797]

I knew it was around 200k a year thats nuts but tbh id rather do that than save 200k and buy 1 car but managing 10 cars would be too stressful for me tbf

[@davidtrice8307]

I get anoyed with two cars and upkeep lol 😂 never mined 10

[@spadgm]

Oh Oh, I can hear the Keiths screaming at their screens from here! Keep up the good work mate, stunning collection of motors!

[@garrieread9506]

It’s no ones business what you pay for your cars so that’s really good of you to say without coming across big headed hard work pays off 🙏😊

[@Inspire-me-motivation]

Fair play Tom, love the cars and videos, you must be earning some serious money . 👍

[@arthurds1363]

Inspiring ! I personally would only have three cars max so I could get to drive them all lol

[@Joolz1982]

Always good to hear about finance for any cars as so complicated.

[@lprc7196]

Tom you are living the dream. 10 cars, 3 homes.

[@shizzle746]

don't forget the watches!

[@rjdavies1982]

I came here to get triggered....but I didn’t get triggered, just informed.....and that made ME TRIGGERED!!!!!

[@mbangs81]

Whos better, Charles and Dean or Charles and Eddie off of music? 'would I lie to you baby, would I lie to you oh yeah' ☺️

[@didixon4227]

I like how it goes upside down when he says upside down

[@mso008]

17:12 😂😂😂😂😂😂 This made me laugh so much Tom!

[@ttvvideos2050]

I love the F12, £145,000 now!

[@TGE]

For a snotter, yes!

[@TBATTIECYCLING]

TGE TV so hard to find a nice spec

[@dugie3341]

Much love from South Africa 🇿🇦

[@stephanwigg9911]

Great video mate, my neighbours got the amg gtr 63 and said how great an investment it could turn out to be. I’ve watched you from the start and every videos a great watch. Love seeing someone doing well during this crap in the world 🤦‍♂️ 🙏

[@TGE]

❤️💪 thank you mate

[@rhyssalmon8]

Every now and then these videos are refreshing, useful info. Good stuff lad

[@oscardavis3821]

Lots of respect for you mate, fair bloody play... that is all. Keep it up Tom. Chaos

[@TGE]

Thank you

[@nathanjamesmedia1644]

12:16 for a chaotic TGE moment

[@kenrossaukrsa]

You earn about £30k a month ! Wow that’s an achievement of note , most earn £16000 per year in the UK and £24000pa in London. Accolades- goals and dreams to admire

[@360FAMOUZ360]

Just given charles and dean a shout for the first time, seen a C43 AMG i like!

[@adhrajraghav]

Mr. TGE when you had a G63 in silver i saw you around central london with your arm outside the window, absolutely CASH 💵

[@JoeSmith-vo9jl]

Saw the Charles and dean defender in Grantham the other day ! Great video as always

[@MrCF_13]

Wow. Around 20k per month on motors. Then there’s the watches and mortgage. TGE is killing life. Well deserved 👍

[@davidtrice8307]

Hard work pays off well done

[@ladi1212]

Brilliant. Very useful advice and recommendations for these strange times. Cheers man!

[@McN48G]

You’ve been honest since get go about you financing cars, well done for stay true to your original content, but my god, your monthly outgoings is some people’s yearly salaries 🙈

[@x1aou]

These moments 12:17 😂 🤣😂🤣😂🤣 that’s why I was literally hanging off your every word. Class video 🙌🏾🔥

[@yodaboi86]

Not bad monthly finance for such an epic garage !!

[@danbarnett3484]

Absolute G. Honest and genuine. 👌🏽

[@kindsir1256]

Thought I was doing well pulling in 20k a month after tax. That’s just your car payments FFS 😂😂😂 Fair play!

[@davidhill431]

Just post your bank statements why don't you 🙄

[@theholyoneofisrael.9550]

@@davidhill431 lool

[@kayineson4220]

1) 215K!! Hello and massive congratulations on that. 2) what a epic company they are and if I ever need them il definitely hit them up. Although I hope to work my way up to that 3) epic well filmed video and loved it!

[@TGE]

❤️

[@kayineson4220]

TGE TV anytime team TGE all the way

[@OracleTimeTV]

Refreshingly honest video! That F12 is such a monster.

[@MegaJJBro]

I asked for this on the last vid and he delivers!

[@sg403]

I just started to turn my head away from the screen as he said upside down an thought I was hallucinating 😄

[@russellclark1978]

Cool vid Tom. Very interesting! Velly excited to learn more about your potential new motor!! 👍

[@Amavrin]

Your a boss mate 💪🏽 I love seeing the success of others, you certainly are flying high! Keep working hard and I hope you continue achieving your goals!

[@74aamer]

Love you videos so honest raw and straight at you

[@TGE]

👊👊👊

[@ryaneverett8891]

Cheers Tom, really good video, nice and genuine. More content with Charles and Dean please 👍🏼

[@TGE]

Incoming!

[@digbyranford6657]

Great video , really well explained by both of you on the finance 👊🏻

[@lukewilson1909]

Class video, good of you to give people an in depth review of finance and actually want people to be looked after, shows you’re a genuine guy. Love your videos and content and your cars are insane. Props to you man you deserve everything you’ve got!

[@kimi88cz]

Love the F12👌 I think you need F40 mate..absolute icon and the price will only go one way

[@ricardofarhat761]

We might have some finance solutions likes these here in Brazil... Dreaming with that Once again, congratz

[@davidtrice8307]

Hard work pays off u deserve it keep up good videos 👍

[@Bluenose372]

Honestly TGE what a top bloke, hard working, entrepreneurial and most of all somebody living life to the max. Chaos......

[@fabianb7819]

Thx for the information Tom, actually interesting! I still love the F12, especially in your spec. Best looking modern Ferrari imo, way better then everything that came after it

[@adityasaroha6006]

Tge you are an inspiration

[@iSTORMDiaries]

Absolutely balling! Fair play lad, honesty, transparency and a kick up the backside for how successful I want my business to be! Keep it coming

[@RyanDanielsChannel]

Another churn 🤛🏼 More CASH !! Keep up the great content!

[@lsdprix7993]

This was a mega week for team TGE. Love the content

[@TGE]

🚀🚀🚀🚀

[@nathanjamesmedia1644]

Aggressive video this, pure money bags 💰

[@marky1798]

I work in that store loool I'm surprised you chose there with the MASSIVE bump as you enter/leave

[@TGE]

😂 it’s aggressive

[@andrewmontague2636]

Great informative vid, Tom. That F12 😍 🔥

[@brianiswrong]

Having a search done affecting your credit score SHOULD be against the law. Why should the correct and proper why understand if you can afford something responsibly affect your ability to borrow? It's like being charged £5 every time you check your bank account online before you buy something. It makes a mockery of responsible debt at the very first hurdle.

[@nickmartin3838]

Your comment makes no sense at all. People that are constantly applying for credit are clearly an inherently higher credit risk. I respect what Tom has done, but debt is toxic and is the highest cause of suicide in the UK. So loading yourself with debt should be against the law. The way the credit scoring system works is to protect consumers, not punish them.

[@brianiswrong]

@@nickmartin3838 I respect you argument but My point is , that for a few of lifes " essentials" we are going to need to borrow ,so we shop around and doing our due diligence get cast iron quotes from multiply companies. This involves them running a credit check (as anything less is just a guesstimate) and this inturn makes our credit score lower?,which in turn means buying a house or a car more expensive,which in turn means you have less money to live on. To my way of thinking ( and maybe this would also help toxic dept (maybe in only a small way,but every bit helps) ,would be for the government to be in charge of credit checks,I mean they know more about me than Experian do (and Experian only use the government data anyway,and their time is ultimately paid for by any body having a loan) and should not affect your credit score. Let's face it ,as long as somebody can prove they earn £1 a week by having an income (be it a job or benefits) somebody is going to provide a loan against that income (and again the harder you may find to repay that loan,the more interest is charged). So maybe the government should also cap interest rates at say 50% more than the market average cheapest APR for a loan of that amount over that time period. SO IF Tom ,(as an example) with a good income can borrow £500 over 1 year at 4% ,then Archie(as an example) with a lower income,but still passing the government credit check,should pay no more the 6% to borrow the same amount over the same time period. I think the real problem with debt and suicide is the upper and lower examples of the above. Ie a person being charged £600 in order to borrow £100 ,and then borrowing again to pay the first loan and so on. This is the " black market economy which will always exist,but might srink if my government controlled system worked. And the business man who is playing the legal minefield and borrowing money on assets that are not as solid as a fixed income job or benefits,so is like a swan,all cool and at ease above the waterline,but below it is thrashing around trying to make 1+1 =3 ,and finally is faced with debts and court charges he can never pay back and keep ' face" I see controlled debt as a good thing for the economy,but fully agree it can be a dangerous road to tread.

[@LiqdPT]

I get the feeling that how financing a vehicle works in the UK is significantly different than the US. I think they talking about car loans (where you own the car) but exit and balance at exit sound more like a lease.

[@ianmowbray3284]

You are right all the cars are owned by the finance companies . As long as you make the payments you get to drive them.

[@LiqdPT]

@@ianmowbray3284 That's technically the case with car loans here as well. The bank holds the title until you pay off the car. But that's just it, the loan the entire car price over a period of time (plus interest). If you get to the end of the loan, it's paid off and yours. You can sell the car before then, but a smart buyer is going to ensure what they're paying is going towards paying off the loan first. Leases are a shorter (2 yr maybe) finance agreement, but you're not paying off the car. At the end of the term, you can either pay the remainder to keep the car, or you give the car back. These arrangement are much more restrictive and specify no modifications and how many miles you can drive. Really, it's more of a long term rental. Many businesses lease vehicles because it means you always have newer vehicle and makes sense tax-wise somehow. I may be wrong, but that doesn't seem to be the case from what I've seen of these UK car finance deals (or there are some details I'm not seeing). I see people swapping our exhausts and painting cars which makes me think it's not a lease as we think of it.

[@michaelmorrison205]

Wow all those payments ! How do you decide which to use ? I was going to get a 2 or 3 year pcp On my dream car a vantage as a treat for semi retirement but when I added up 45k for 2 years and max 12000 miles Just can’t justify I want to get something and use it every day ,at age 69 and still working I want to get my moneys worth

[@davidbillberg2203]

8:21 haha! Lovely stuff! great video explaining in more detail of how to fund a car.

[@wackyrc1394]

Interesting subject, great video, real car KZbin moment there on the rooftop 👍

[@harrytythe]

Loving the recent videos, its motivation for sure hearing them impressive sums.

[@tomfield8766]

Amazing video! I Love your channel and your videos! 😁👍

[@stephenlane9168]

Tom, thanks for an entertaining video. Liked seeing the F12 being used (I think) 🤔 - good topic for the video though 👌

[@shaunkaridza1579]

The guts of the f12 are amazing

[@andymalone2179]

Great video like usual.. Pista IS/WAS 😢

[@mvadetailing1895]

Tom you’re a massive inspiration!

[@RonTheGod]

Appreciate the transparency Tom!

[@joshw5882]

Great vid mate, very helpful

[@teamloony]

Fair play TGE, if you got it, spend it, I would. One Q’, what on earth do you do for a living? My postie wages with overtime just about cover me with a BMW 320D.

[@roughpatchroad]

F40 is a Dream! Mark my words.. I will never own one but I’m sure you will🔥

[@Readb2001]

Good to see c&d also share your penchant for chav plates 😉

[@LTUman]

"Next time around there will be F40"

[@vinnieomahoney6359]

Quality vid Tom, how about bad credit car finance, for some of us who hit rock bottom, come back from it, now able to afford car fiancé, obviously hard AF to get finance on a quality motor, would be a helpful vlog for many I’m sure, or maybe another good business opportunity for you

[@pimm3]

Quality vid. Well done mate