How I Was Able To Buy A McLaren

[@seenthroughglass]

You may or may not agree with my points in the video but I've got nothing to hide when it comes to how I ended up owning a McLaren so wanted to make a video explaining things to you all. Hope you enjoy!

[@joelthorogood1727]

Seen Through Glass I can't even afford the down payment for your car! Finance is every respectable bro 👌

[@TGE]

Seen Through Glass Good video squire. Nice to see some transparency ⛹

[@destinparker7511]

Great Video @Seen Through Glass! I'm getting a 2008 Maserati soon... Financing is definitely the better Option in terms of depreciation in today's economy.

[@SPM2Comp]

Seen Through Glass I was simply enquiring as to what ball park figure you put down and how much it is PCM? When I watched the video I assumed that that info was a given. For example when Chris Harris bought his 4.0 GT3 he stated to pistonheaders how much he put down and how much he paid a month - which is basically the meat on the bone!

[@bencbr4]

Seen Through Glass Let's be honest can't be that bad of a think of your driving a McLaren. You work hard which can't be criticised

[@E55BaeMG]

just start a lemonade shop at the age of 6! ps. if you are over 6, this wont work.

[@odinlarsen_]

Jr garage lol

[@claviclenotch1876]

E55 BæMG Ice tea?

[@Halliday57]

What about beer ?

[@tylermelendez-duke2206]

Snafu JR Garage does stocks on lemonade😂

[@abdulsattar8075]

Tyler Melendez-Duke 💕

[@TGE]

Real talk 🔑🔑🔑

[@andrei147]

TGE TV hi

[@dylan_s1]

TGE TV Superfast talk

[@desire68frogman98]

This right here is the reason I’ve subbed to your channel Sam. Thanks for your honesty. Too many others have this super car thing as if it’s untouchable to everyone else this side of the screen. Be honest with yourself, be smart with your money, work hard and you can attain most if not all of what you want in life.

[@mareks26]

5:02 - 5:06 best part. In those 4 secounds he tells you all u need to know about financing.

[@Nationof300]

Jacky 😅🤣🤣🤣

[@HyundaiAccentFanClub]

I'm gonna do a video like this about how I was able to buy an Accent

[@E55BaeMG]

Hyundai Accent Fan Club financing ye? talk more about how they got to agree to finance it and by how much years and stuff...

[@archier8v10plusshamilton2]

E55 BæMG Finance C63 or Subaru WRX STI

[@Haenki]

Why does the Hyundai Accident have a fan club?

[@jeremysantosa7147]

C J IDK. I barely enjoy Hyundais except the Tiburon and Genesis. Accents are just commuters.

[@roadreg1820]

C J I think it's a 'joke' fan club. It was a cool rally car tho.. 'remember it in the original WRC game on PS2. Ah, the memories.. times have changed 🤔

[@Monki101]

Great video, informative and honest. There's no way I could ever afford a car like that here in Australia, but I remember the sickly feeling I got when financing our first new car. Well done Sam I hope you enjoy every minute.

[@tobybrown1194]

What an upgrade in only 5 years!!!!

[@CarSpotterUS]

Props to you Sam!! I definitely dream of owning my own supercar in the future

[@ambien7eplays277]

Honestly it's so refreshing to see a youtuber be so transparent about everything, no clickbaits, getting straight to the point this is why I love watching you! Im really happy for you!

[@bossdefender8037]

Simple answer is: Sam has sold his hair and the stupid cat of his sister. Thank me later!

[@seenthroughglass]

Ha god I wish I could sell that stupid cat!

[@bossdefender8037]

Haha! :D

[@markchip1]

Seen Through Glass - to a laboratory, I'd bet!!

[@whatsfordinner1695]

hohoho i see what you did there

[@Da51lva]

Stefan Georgievski and poor cat too!

[@TheLifeGiver]

I got my Ferrari at the age of 23 by stealing it from a parking lot.

[@jeremysantosa7147]

Merle Therrien You my man.

[@callumpenman5992]

Merle Therrien I just did that yesterday in GTA...good times

[@mrstateyourname8503]

Merle Therrien dhdhdk

[@PaddyMcQueen]

it was a 1/18 Ferrari of course... :D

[@HH-ls5fu]

so inspirational man.thank you

[@arminpetschelt8127]

Almost expected some Tai Lopez bs. Glad to see you being honest and giving real talk!

[@arminpetschelt8127]

I really hope this wasn't sponsored by Magnitude.

[@TheBibs67]

I'm not used to comment on KZbin but this time I am and sorry for my English! I discovered your channel when I heard you bought my dream car: a 540C (or 570S/GT). I worked hard since years to be able to own a dream car. Now I'm looking on how to buy one in a close future. Your video helps a lot. Knowing you can have a good job and to be able to buy a supercar without being billionaire or a car youtuber, motivates me more than ever. You're a passionate, honest and simple person. I like every single one of your videos for those reasons. Keep going and please stay yourself. Thumbs Up! THANK YOU man.

[@YachtReport]

People who buy high value cars use finance. They put the money into a high yield account and the interest they earn on it goes into that account. They also take the monthly payment from that account. Nothing wrong with finance. I think people whom are jealous use the finance 'insult' to make themselves feel better about their own circumstances.

[@wlchan0916]

eSysman financing is the best way to go on very expensive cars in my opinion. Haters gonna hate :)

[@harriehealey7285]

Team Americana they do if you put a lot in.

[@louisc8020]

Step 1: be rich Step 2: refer to step 1

[@alfo2908]

LA of LA yea one thing tho, he aint rich

[@bammetjepindakaas]

That is such a loser mentality get a life fools

[@Joshua-bb3ko]

LA of LA hahahahahaha

[@electrosniper77]

Sam's surname is Fane...go look up Who is Dad is lol

[@ian_md]

Fair enough he's from the Fane family, Hon Harry Fane no less, but all we can do is take his word for it that he's financing this car and going alone with this venture. Whether his family afford him the protection to follow this dream, I don't know, nor care; as long as the content is good.

[@IndependenceCityMotoring]

It's financially very silly to take out a loan on a high-priced depreciating asset (or even to purchase one for cash, with a middle-income/moderate net worth). Easiest way to lose wealth over time. For Sam, there's an exception because this car is generating him youtube views/revenue.

[@henrit16]

Well, if you have infinite amount of money, then yes, it would be financially silly. But if you wanted to buy a 200k car and you had 200k, you would be better off financing a car, and generating money off of the leftover 150k (assuming that you know how to make money, what you would if you already had 200k, or certainly more than the 4 percent or whatever the finance interest rate is). Otherwise buying cash you would be sitting on a depreciating asset and have all money tied up. My point being - it all depends on circumstances and can not be generalised. But financing a depreciating hell like new 7-series or S-class I don't get.

[@IndependenceCityMotoring]

Henri Trees My point is don't buy it in the first place. Just because you have 200k in the bank doesnt mean you can afford a 200k depreciating asset. Really you need an income of at least 600-800k/year to buy a 200k car.

[@Joek9100]

fiveomar financially speaking buying a supercar at all is silly. financially speaking we should all be buying 1 liter turbo diesels

[@homerun217]

Say you pay cash for a $100k car that is worth $60k in 3 years; you've lost $40k in 3 years. Or you can finance it at 2-3%, put $20k down, and have cash left over to invest and make 5%+ return on. The car is still going to be worth the same amount at the end of the 3 years, but you'll have made a net gain over what you would have if you paid $100k upfront. Plus you have the benefit of the extra $80k in your pocket.

[@gmansplit]

+fiveomar What? Are you fucking joking when you say shit like "600-800k/year to buy a 200k car"? For a 200k car, you need to make 125k(USD) per year, and you can COMFORTABLY afford it. Unless you are one of these idiots who gets a 30-year mortgage on a 500k house when they make 125k, you can comfortably afford that car. If you get a 4-year loan with a 50k down payment, you'll still have 40k/year left after taxes. About 20k of that will go to other living expenses, and still 20k of that can go to investments (real estate for example).

[@PatrickAndrewsMacphee]

Sam's parents were right. Buying on credit means you end up paying more. Usually a lot more. I think we'd all appreciate knowing a) what the monthly payment actually is and b) what work he does beyond KZbin. That would allow people to have an understanding of how the sums work out and what they would have to do to join this club. I admire Sam both for admitting that it's a scary sum and for committing to the cars he loves...but we still don't have a full picture and the KZbin-makes-you-rich illusion remains.

[@bigjay1970]

Patrick Andrews it does make you very rich for some. it's a secret society in a way. there are people that make $100,000 a month easily just because you watch their video an make comments. there are youtube videos dedicated to this topic. you would be shocked how much some people make. shocked.

[@Speednote10]

Chris Harris went over his numbers when he bought his Ferrari FF, the video is on youtube. I think he put a £45k deposit down and paid £1500/month. I don't think he mentioned the price of the car though but it was probably something like £150-170k.

[@ChrisDorgan]

For the FF he would be lucky for it to have been £150k... was it new? I can't remember now. The funny thing is (especially with Ferrari) if you can get in there at any level, it's easy to move up the ladder as the cars have great residuals in comparison to other brands and then all you need is one gamble on a special edition, keep it for a while, enjoy it, love it stretch them payments out and then sell it without losing a penny or even making a profit :P

[@Speednote10]

Chris Dorgan Harris FF was two years old when he bought it. If I'm not mistaken shmee bought his FF not too long after Harris and IIRC his was £140k.

[@willywillywillywillywilly]

You're absolutely right that this video did nothing to shatter the KZbin-makes-you-rich myth. He didn't give any numbers, he didn't talk about his money or career going into KZbin, or how much he makes on KZbin and on the side currently.

[@supercarsoflondon]

Very good video man! All well said and TAKE ME TO THOSE ROADS! Haha

[@sdogsdog9136]

Supercars of London The road he's driving on is in Buckinghamshire. CarBuyer used to film there.

[@Pedro-tt4ub]

Supercars of London - Princes risborough and inbetween road between great missenden, cheeky dual carriageway with no police either

[@AznS0ulja]

I bet paul buys his cars in a massive lumpsum, because he's a fucking dumb idiot

[@zainlilani3408]

Wow dude, chill. +Mysterious Laptop

[@MrFas__]

+Mysterious Laptop Was no need for that comment, have some respect.

[@BondTheOGYT]

You took a small loan of half a million dollars? 😉

[@BondTheOGYT]

Love you Sam

[@AxelGrassi]

Bond my man!

[@BondTheOGYT]

Axel Grassi-Havnen Ayyyyy what's good!

[@aabidamn]

And grab em by the 540c.

[@CollectWithRyan]

STG for president

[@clachanachoin3127]

This car depreciated by£587 during this vlog.

[@inspirice9844]

who cares, it's the driving that counts

[@myloric]

Just to clarify something you said at 10:15. A registration document (V5) is not proof of ownership. The registered keeper should be the person who is actually using / keeping the vehicle and this is not necessarily the owner of the vehicle or the person who is paying for it.

[@Kemo23]

Sam watches Salomondrins Podcast and makes a Video regarding financing Cars ;)

[@seenthroughglass]

Ha funnily I've been planning this video ever since I bought the car but noticed that Salomondrin guys were talking about it the other day. KZbin is a small world :P

[@jixi40]

Kemo23 That's what I thought 😅

[@Gilamang]

Depreciation is a red herring in this conversation. Bottom line is that if you finance, you are the owner and generally bear exactly the same depreciation as if you buy cash. If you are choosing between financing and paying cash, the question is really whether you can invest the cash in another asset that will generate a risk-adjusted return that exceeds the interest rate on the loan. The answer may well be yes. But that has nothing to do with depreciation, since you're bearing that in either case.

[@statesidesupercars]

Always amazed how many people finance their cars in the UK. But hey, if it works for you then its 👌

[@MultiFerrarifreak]

Germany and USA the same, the best thing you can do with expensive and depreciating shit

[@anonymousmind]

statesidesupercars people in the UK finance it as you can still have that money instead of blowing 100k on a car.

[@Speednote10]

+Petrol Head A car depreciates no matter how you pay for it. It's not like you avoid paying for the depreciation if you finance (or lease for that matter).

[@willcoles6358]

Like the honesty, it's something the car youtube scene has been lacking. Great video

[@9ogt]

There's an easy way to become a millionaire in and around cars. Trouble is you have to be a billionaire first.

[@thomson765]

is this a version of richard bransons "to earn a million with an airline, you need a billion"-quote?

[@lsb0119]

i always watch sam's video and just wonder how it looks so effortlessly comfortable, then i just start to pay attention to details. like at 2:52, you have this outside shot of the car, which is a great way to switch up perspective , but it's the kind of thing you don't really notice, then you think about it, he must have parked first, set up the camera, then drive back on the road to make the shot, stop the car, go back and take the camera, and all for this 1, 2 seconds of footage. I see a great commitment here, and i love it.

[@rogueants]

For anyone that thinks Shmee150 has gone and bought £1m of cars with cash are insane, He is buying very sensible low depreciation cars with very low interest loans, It wouldn’t surprise me if he is literally just paying Interest only on his McLaren.

[@Beer_Dad1975]

Also he's very careful about the mileage he does in them. I think that would drive me insane having to watch the odo all the time and plan all my trips based on how much resale the car was going to have left... I pay cash for something and drive my car whenever I want, I've done 65,000km in 3 years. Sure it's not a supercar but I still love driving it, and if I lose $30K on it over the 5 years or so I'll probably keep it for, it's not going to keep me up at night worrying about it. Of course for Shmee cars are also work, so different situation entirely.

[@Efficks]

RogueAnt Schmee mentioned in a video that the FF was financed not sure about the others but it's possible they are cash

[@Boo1233457]

Matthew Sharpe yeah he watches his milage.....hence the constant euro trips 🙄🙄

[@Beer_Dad1975]

Boo1233457 where he ships his cars over, and flys over, or drives his cheaper car over to meet up with them, so he can keep the mileage down.

[@Dethred1]

This is why you don't trust anyone replying to KZbin videos. Shmee150, before his current McLaren, had a 650S spider. If you actually follow and understand cars, and don't just follow bullshit richboy youtube channels, you'd know that the moment you drive a 650S off the lot, you've basically set USD$100,000 on fire. No Kid in their 20's with even a million subs on their shitty KZbin channel can absorb that kind of hit, and keep trading around cars (most of which are still depreciating, because they're seeing mileage). This isn't even taking into account the VAT on those car purchases, and running expenses. My point? Every single one of these kids have mommy and daddy money, regardless of the bullshit excuses morons in the comments section come up with.

[@delilio]

This is your best video yet. And I appreciate your honesty and frankness.

[@arsenewenger9322]

Still didn't mention what you do for a living. DAMN

[@EA40]

Arsene Wenger he's a manager for players of fourth rank rugby clubs

[@---hi4zl]

A good piece of advice given by a lot of entrepreneurs is it doesnt matter what they do, because if you try and replicate it you wont have the same passion to be able to put in the effort they had to to guarantee their success. Ie; do something you enjoy

[@kevk4908]

- - yep

[@audi1ification]

asking daddy's money

[@wlchan0916]

Just do what u gotta do doing what u love most.

[@IgboTIFOSI]

I'm not big on throwing comments about unless I have something positive to say. Firstly I thank you for this insightful video about finances which you didn't have to do but you were good enough to. This subject is the 3rd thing I also think of after watching one of your videos (not only us yours Tim's, Paul's etc). I am a realistic person so always think about the behind scenes and expenses for production. Before that I admire the car then the location and quality of the video. Since you got the McLaren I have checked our Magnitude and will give them a shout on my next car. Thanks for the entertaining and educational videos!

[@WAYAWAYWithAsh]

Great video. IMO as long as the payments don't hold you back on achieving other more important goals you've set for yourself, by all means, finance it!

[@llisagomez5706]

Thanks mom

[@ThExWhItExHeNdRiX]

Not gonna lie you nailed it with that wrap. I absolutely love it. The color doesn't punch you in the face but it definitely stands out

[@westsenkovec]

*It was the lemonade stand innit?*

[@user-yr9hp5sv9t]

Good honest job Sam.I have learnt most important thing when financing is to shop money around.Often worst place to finance here in Australia is with dealer. Rates can vary up to 5% which makes hundreds $ month difference in payments.

[@w-james9277]

From an Audi TT to a McLaren.

[@WK-zb3ly]

W-James, TTS actually

[@memorablename5187]

no, he had a 8c and a f type

[@WK-zb3ly]

Memorable Name. He had an Audi TTS, then a 4c(not an 8c), then the f type r. Now the 540c

[@youtasteofcherryade]

His first car was a mk4 golf 1.4L. Quite a jump over less (maybe) than a 10 year period!

[@BalkanBoyBiH]

his dad is filthy rich

[@conorwainer9272]

If I made this video it would be "How I Was Able To Buy a Mazda", similar story, but I discovered this was my preference a month or so ago, not 5 years ago like you did, in some ways wish I had, but have no regrets with former car purchases either. One thing you touched on, it's the opportunity cost, and going back to the $100k option, it can be either, $100k cash, or deposit + repayments and/or + balloon, so you either have time to save for a balloon or as you mention, it'll likely be worth more than this value therefore you've saved the difference in the meantime and spread the depreciation into small bite size pieces. Great video Sam.

[@AuthenticMentalHealth]

I have my car on finance (fair enough it isn't a McLaren) however It's the only way I could afford a car worth over 25K

[@jonathanhill3543]

@@lommerdpassievrucht8555 moron lol

[@bkhealthymeals777]

Real talk...Hard work always pays off

[@Kingmdatta]

Thanks for making this vid, Sam. Great insight into financing! :) Gives us all food for thought... Keep up the great work mate.

[@goproclips]

Awesome video. I just financed my first new car. Have gone from an '04 Polo to a '66 Polo - financed. Love it.I'm glad you agree, Sam! Keep up the good work.

[@jameskingston]

love this

[@MrMylesXD]

Thanks Sam, I really appreciate you're genuine attitude and honesty! You're a legend!

[@SPM2Comp]

Ok Sam - how much did you put down as a deposit and how much is the monthly payment?

[@TheJkghfg]

I'm gueesing he put around a £10k deposit and then pays about £950- £1250 a month.

[@AAA-sl3mg]

The Jkghfg for a 140k car? No way, 30k down 3k per month i reckon

[@TheJkghfg]

Nah. 8 Months of payments would have paid this car off and the past 2 cars he's had have been for around 8 months. Also, let's not forget that this is Sam's first ever supercar. He's going to be doing things with this car and probably has other money saved. Atleast that's what I would do.

[@3TimesFaster]

In one of the comments he mentioned that Mclaren offers the 540c for 30k down and around 950~ monthly. As he's financing through an independent financing company, it's surely a little bit less than that.

[@aiwithrudiyt]

more thank that i think. about 30k down and £2k per month probably

[@betaich]

Hi Sam, Leasing can be a great option, for daily cars you drive really allot and who will loose money allot. Naturally that depends on you're leasing contract and so on, but it can be more for you're money than it would be otherwise. On financing: Houses don't loose value quite so fast as cars, so bad comparison. Also depending on the finance deal you can get, you will most likely pay more money on the car then you could have if you paid in cash and loose in depreciation. That logically depends heavily on the car and the deals you can get. Also it makes no difference if you save up the cash for a car or finance, either way you have to put that money away monthly, just in different things.

[@johannesmaximilian848]

Difference between financing and leasing?

[@Igreendaylinkinpark]

It means taking a loan.

[@seenthroughglass]

+James R. Astor from Austria No. Different things. Leasing is where a company buys the car and you 'rent' it from them. Financing is where you borrow some, or all, of the capital needed to buy the car

[@00Catch00]

Which is the same, except when you're financing you're just paying more interest. It's better to lease if you own the company because it's just cheaper.

[@johannesmaximilian848]

Seen Through Glass Ok i see. Thanks mate.

[@outbook]

Leasing has higher interest

[@TheFishi]

Hope you enjoyed the drive in my neck of the woods! Chilterns are beautiful, please come back soon!

[@Al-nf3qs]

btw the fact that you can even afford to finance a mclaren is pretty impressive in itself.

[@benreed22]

I'm a new subscriber now. Pure honesty. I like that.

[@dave90mckeague]

I'm going to guess "money"?

[@woooster17]

Love your McLaren, and I can't compare my 2 cars to yours..but, I own a Mk2 Focus ST I bought new in 2007 (still got it, it's my daily). I also own a mint, 1 owner, low mile 2010 Mk2 green Focus RS... both cars I paid with cash, no financing. I've never even had a credit card in my life, and I'm 45. Nothing wrong with financing..each to their own, but I love the feeling of knowing I own both of my cars. After years of TVR ownership (owned 7) I decided on the change with the ultimate green RS...which I adore, and will never sell! Clean, low mile Mk2 Focus RSs prices are hardening, and starting to rise a little. They were £25k new, and yet it cost me £23k to buy mine when it's already 6 years old (at the time) Subscribed 😎

[@DCassidy42]

If you owe someone money for something you "own", you don't really own it. If something unforeseen happens the banks will reclaim their possessions which you are essentially borrowing and financially enslaved to until the payments are complete (plus interest). Financial wealth is made in 3 different ways, having a great career, investing money in appreciating assets and living below your means. If you don't have a great career it's difficult to invest in anything, so the only way to gain wealth is through living below your means.

[@ChosenMJ]

Thank you and here is a simple exercise. Miss one or two payments on that "financing" and you'll quickly realize who owns what. If he can't keep up the payments the bank will repossess the car and sell it to pay back the obligation.

[@1pfuller]

So you're the guy who pays for his pickup truck in cash huh?

[@dazom]

Cheers for your honesty and information Sam! Nothing to be ashamed of. At the end of the day you are driving a McLaren, while others eat your dust...

[@zainscooby]

What's your job outside of youtube?

[@Pantera972]

Zain he doesn't have one

[@the-boring-car-guy]

The Noob Gamer he does

[@bossdefender8037]

He's self-employed as an Property Manager, as far as I know.

[@aabidamn]

Lawn mower.

[@RAT.MAN.]

Postman

[@for-real-tho]

I work for a car rental company, and obviously we have hundreds of millions, but we still finance cars. And since we buy the cars for less than the list price, we often make a profit after selling them used. We also have buyback contracts, which means the manufacturers buy back the cars from us before they reach a certain mileage.

[@martincox558]

5:22 Subtly mocking SOL #savage

[@edwardlavallin7570]

Another great video Sam! Very refreshing to hear someone being honest, it's what sets your videos aside from other KZbinr's.

[@jaguppal187]

and this is how the financial crisis started kids!

[@rousseau327]

Borrowing money/financing is not he sole reason why the financial crisis started lol. You can borrow money to stretch you budget and be good financially, or you can pay in cash in full and be struggling financially.

[@gaureshbhogale11]

I came back to this video because now I am in UK and about to start working in wealth management. I wanted to know which finance company you are using currently to finance your cars. And I'll tell you, financing your purchases is always better than buying through cash. People who understand cashflow liquidity would get it. Cheers and keep up with your good content.

[@vinnyvasquez]

"As soon as my mortgage was paid..." Huh? He's like 14. Good video though. I bet the no of times Magnitude were mentioned had a bearing on the size of the payments. But why not, great advert for them.

[@Roy-qn2ie]

Best video from STG so far, really really good solid info and honest talk, kudos for that!

[@FrequencyOfThought]

buy me one to, your next video can be how I bought a random youtuber a McLaren !

[@FormTrends]

Always been taught to stay within the realms of what I can afford. Financing is a good way to stretch your funds a bit to be able to afford more car but it only works if, as you say, you can afford the monthly payments over time. Buying outright will always be the preferred method of buying as you won't have interest to contend with. Leasing is by far the worst (reasons outlined in my earlier comment) as it's an option devised by dealers to make the most money. But to your point Sam, houses generally appreciate in value. Cars never (or rarely ever) do. With financing you'll always pay more in the long term.

[@MylesHSG]

Come on Sam, we all know you don't have a mortgage, especially in the posh part of West London you live.

[@psbrayshaw]

MylesHSG he lives with his mummy and daddy.

[@MylesHSG]

Paul Bright Don't blame him, where he lives rents are crazy expensive.

[@WilmsIsBoss]

One thing a McLaren dealership manager told me is that a lot of guys have the money to buy McLarens out right but instead, they'll finance it and take the money they would've spent on the car and invest it so that way part or most of their monthly payments is accounted for with the monthly returns from their investments.

[@pinballuk4043]

10:17 your name might be on the V5 but what does it say above it? "This is not proof of ownership" 😁

[@Gary_S]

Probably the best video I've seen on this channel. Very informative and honest advice. Thumbs up!

[@speedbird737]

No shame with financing - thats what MrJww, SOL, Schmee all do it - shame the guys are not as honest as STG in coming clean about it

[@ryansmithza]

Hard work. Yup, for most of us that is the only way to get the things we want or need. I love the idea of having a KZbin channel to make pots of money but I looked at it a while ago and realised that it's not a simple task and the amount of money made is directly proportional to the content and the quality of content. Apart from all the hard work required to make the good content than I believe you make, one requires super passion, dedication and great networking skills. I have those qualities too but I don't believe that they are in line with what is required to create and maintain a great KZbin channel. Well done on your achievements and good luck going forward, I am really enjoying your review on the awesome McLaren and hope that your next car will be as exciting.

[@IlhamPrabaswara]

When is your exhaust fitted?

[@E55BaeMG]

Ilham Prabaswara it was fitted from the factory during the production

[@seenthroughglass]

Hopefully mid March! Can't wait

[@yunusbiter]

A well calculated finance is not a bad thing at all. Keep up the good work. Enjoying your videos. Your energy is great. 👍

[@hereshex4185]

!!!!THAT WAS A HUGE TRUCK!!!! hahaha that was amazing haha

[@owennato]

The most honest, funniest car review youtuber out there. Others take note, we want realistic content, not you showing us how rich you are! Well done Sam.

[@johnhb123]

So.. what's your job? :P

[@gijsdegroot7602]

John HeadBuster wtf do you ever watch one of his videos? He doesn't have another job.

[@johnhb123]

I don't think he makes 5k a month with KZbin..

[@gijsdegroot7602]

John HeadBuster well aperently he does because i can promise you he does not have another job.

[@MrZcase]

John HeadBuster It's possible. He has put out 18 videos in the last month if they average 100,000 views each (they actually average more) that's 1.8 million views in a month. I've read that advertisers pay 2 to 5 dollars per 1,000 views on average. If we're modest and say he makes 3 dollars per thousand views that would give him about 5,400 dollars in the last month.

[@lm658]

Gijs de Groot he does have another job.

[@Jmbo65]

Sam, well put and couldn't agree more, each car purchase should be considered, have used every option like yourself, except leasing not interested in that option.

[@AutoAddict84]

In the USA 99.9 % of people finance or lease

[@3TimesFaster]

Same shit in Germany.

[@PornobrillenAli]

Bei uns finanzieren sicherlich nicht 99,9% der Leute ihre Karren. Es sind sicherlich viele, aber bei Weitem nciht so viele wie in den USA, wo du sogar Supermarkteinkäufe in Raten zahlen kannst.

[@3TimesFaster]

Ca. 75-85% aller Neuwagen der Deutschen Hersteller werden als Firmenwagen verleast. Rest der Zulassungen fällt auf Private, wobei auch dort ein Großteil finanziert/least. Bei den Gebrauchtwagen/Neuwagen der anderen Hersteller siehts dann sicherlich etwas anders aus, aber auch da sollte eine Finanzierungsquote von >50% realistisch sein.

[@PornobrillenAli]

Mit den Zahlen bin ich einverstanden. Allerdings ist die Finanzierungsquote in den USA im Vergleich zu uns noch wesentlich höher. Das ist es, was ich meine.

[@ccoooocc9714]

3TimesFaster english pls, i've alway been interested in germans finance and leasing cars, can you tell me the types you guys offer and what is better? thanks.

[@HendosHustles]

One thing that doesn't get mentioned enough is the fact that if you have all your money tied up in one depreciating asset, then you don't have that money to invest in anything else. Even if you could afford to buy a £100,000 car cash for example, you would always be better to put a smaller deposit down, take on the fixed monthly payments and still have the majority of your money freed up to invest in something else like a business or a property that will make you more money to supplement that monthly car payment. Great vid bud!

[@jackjetgames4309]

You don't look as happy with mclaren compared to ftype

[@wildan2136]

JackJet Games well he cant sleep at night due to its monthly payment

[@outbook]

Thank you for putting this video up :) at least someone is transparent...and worked their way to get it! Keep it up Sam!!!

[@sesto194]

i wonder how much financing a 540C costs, i know that leasing a F12 costs 3000€ a month, but financing a 540c...

[@ronnie939]

Great Video, I think even Tim said he finances his FF and I am sure he could buy it outright if he wanted to but Financially it doesn't pay to do that. You work hard you save for your dream cars and you work out how to get them, You deserve it.

[@TestedModz]

I would never get a car on finance, lose your job and you lose your car. You also appreciate your car more when you pay for it with cash.

[@joseopao]

TestedModz 👌

[@ReaperChi3f]

Leasing and financing, if we're talking about financial leasing, are pretty much the same thing. The only difference is who takes your car if you can't pay your monthly payments, the car company/dealer or the bank.

[@DanielFreakinAwesome2]

So you don't own a Maclaren, the bank does. And if your KZbin is your primary income, well fuck, im assuming all your incoming is going to it considering you have 241K subs

[@JustanyguyOfficial]

A lot of people think of debt as negative, but in business debt is a positive solution to making money, apply an understanding about debt in every day life, how you use it to Create the lifestyle you want and need, like you said Sam, its about working hard and calculating the process.

[@sotonjoe]

Conventionally, deposit size has no effect on final payment / gfv in a pcp type agreement. All a larger deposit does is reduce the monthly payments. I suppose you could ASK a finance company to take an increased deposit and use it to reduce the final payment rather than the monthlies, but this isn't what routinely happens in the normal sort of pcp agreements offered by main dealers / on the high street.

[@tonyknox4415]

Straightforward and honest nice one Sam

[@tapankamath]

love the content Sam. Keep up the great work. p.s. I'm not a McLaren fan, but your car has changed that

[@steely121]

It is how we pay for houses for the most part, but property (on the whole) is an appreciating asset! I spent a long time deliberating finance vs cash on a car I've just ordered and in the end settled for a cash purchase. Each persons situation and finances are completely different though, so whichever suits you best and doesn't put you in financial trouble is the right one!

[@adamwilliams6400]

massive respect for coming out with this video 👍

[@jitchashivang9559]

Man kudos to you for being honest! We all wanted to know how it works out and this has been very helpful!

[@johnny-S]

it's a work of genius on the part of the car industry to offer finance deals like PCP: as it allows them to sell their cars at literally the price of houses in some cases! But whilst a house is almost certain to go up in value (and give you somewhere to live) a car is more likely to go the other way. My advice: financing a car is fine, but get your house sorted first.

[@benjudd6072]

Brilliantly explained, exactly my thought process after I spent 2 years saving for my first car and living like I was homeless just to afford it. Now have monthly payments on a much better car and I feel much more comfortable as I have the same job type as you, well(ish) paid and guaranteed money every month.

[@3mfreale]

Thanks for being so honest and transparent!

[@MB00005]

Absolutely agree with you sam I'm stepping up from a corsa sxi to a fiesta st this weekend and although I could afford to save and buy it outright but by taking a personal loan it's made my monthly the same as I would need to put by and wait a further 2 years !!! To collect it, p.s I CANT WAIT TO GET IN MY NEW CAR ! Keep up the good videos

[@S3Ranj]

I agree Sam. There is nothing to be ashamed about when financing, some would even regard financing cars as a smart move. Well done!

[@SauRoNZA]

Thanks for being so open and forthcoming about the financing STG and not painting this false picture of KZbin millionaires. I simply always assumed this was the norm in the U.K. as well. Down here in South Africa it's pretty much the norm to finance cars just like houses. That being said even today you can't buy an old S3 like that for the equivalent of £7500 so McLarens are astronomical to finance down here.

[@slimstud4487]

financing a car is perfectly normal in the US. I honestly don't know one soul whom has bought a car cash although those are my plans for the Jaguar f type, which is why I started watching your videos. big up's on your new car bro all the way from Houston, Texas

[@Skawagon]

Several questions run trough my head, and I start with the one no one wants to happen: What if you or third party destroys the car? Is Insurance part of the package or is it separate monthly payment? Also are you insured for inability to pay your monthly? (perhaps in case of injury) For my second question, did you opt for financing where you end up as the owner of the car, or is it a deal where you decide to abolish end payment and leave the car with the company to come above expected depreciation of the car? And the last one: What are your expectations of depreciation of this vehicle? (Compared to say MP4-12C on one hand and 675LT on the other)