HOW MUCH I PAY FOR MY BMW M4. (Insurance, Car Payments, Price I Paid)

I realized I have a lot of people asking me about how much I pay for my car so here is a video breaking down my view point and actual numbers on my M4. I hope you find this helpful and I hope to have you subscribe and continue watching videos here at Automotive Therapy!
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[@AutomotiveTherapy]

NUMBERS START AT 6:51

[@staycoolwithrob]

Credit unions help me start my business 😌

[@AutomotiveTherapy]

💪

[@LoganNielsen]

What insurance company did you go through?

[@AutomotiveTherapy]

State Farm

[@Mistik20071]

These cars are at 60 plus right now lol

[@JoshuaJayMyers]

I'm so jealous of how responsible you are, good for you man. Enjoyn your M4 and be safe 👏

[@AutomotiveTherapy]

Thanks for the kind words!

[@lovecars2810]

You sound smart and wise with your finances. Congrats on the M4 she’s beautiful

[@AutomotiveTherapy]

Thank you, I am definitely still learning a lot when it comes to all of this! I appreciate it these cars are my absolute favorite

[@Mdawg16]

you're so gay

[@huntaaa4]

back when u could get a m4 for 45 with only 20k miles on it

[@ralphgamingx3628]

Facts

[@Frank_336]

My friend got one for 30k with 46000 miles on it

[@hellboy.z71]

@@Frank_336how reliable are they I’m new to bmw I wanted a Supra but I can’t afford it so I started looking at m4 2016-2018

[@ttjosvke]

@@hellboy.z71 crankhub is the biggest "issue" that people address with the F8x chassis. They have the S55 motor and have a chance at spinning the crankhub which could take the entire motor out if you experience the worst case scenario. Luckily, it's not as bad an issue as people make it out to seem, with percentages of spun crankhubs are super super super low across every s55 motor thats been produced. People say its a myth, others say its a ticking time bomb and to get it done asap. Other than that, over time the plastic pieces on the motor will crack and can cause issues, like the top mount charge cooler, the j-pipe and the charge pipes are the most common that people upgrade to aftermarket ones. There have been many cases of these cars going past 150k+ miles without issue and theres even someone with an f80 m3 thats at 250K miles !! They make great power super easily but you'd have to stay on top of maintenance like oil changes, coolant flush, spark plugs, etc. One small thing people never address is that the front turbo tends to leak oil due to an old and brittle gasket that goes between the front of the turbo to the charge pipe. It's such a small issue thats why its never talked about. Its a $4 gasket and i've seen people do it themselves with general tools. For me, I'd do most maintenance myself to keep labor costs out of the picture and save money. As long as you're good to the car, the car will treat you with the same respect

[@556Keem]

@@hellboy.z71they’re actually pretty reliable engines

[@teslacybertruck750]

One thing about owning a car you love, is you will always look forward to drive it. I own a 2017 Maxima which is a car I always wanted and I never get tired of driving it

[@Ari-rg9vj]

This video really helped me, i’m currently 18, dropped out of college, running my own companies, and I currently drive a 600+ hp f10 550i. Working on getting an f82 next!

[@AutomotiveTherapy]

Sounds like you’re on the right path! Keep on grinding and an M4 will be very achievable, cool to see a young grinder!

[@tt-ln4mc]

Im in Queens NY, 23 years old, insurance for me is 750 a month for any M4. lol. Clean record

[@bmw4life944]

Thanks for all the detailed information! Hoping to get one in the future

[@AutomotiveTherapy]

Glad to help thanks for watching!

[@jesusguerrero6385]

CONGRATS on the purchase and pragmatic approach!

[@AutomotiveTherapy]

I appreciate that! Thank you for watching!

[@zaychoppa1501]

This was a great break down 🙏🏾

[@AutomotiveTherapy]

Thank you 🙌

[@turbo_Guido]

Thank you for the detailed breakdown, I am currently looking for an M4 but these prices are ridiculous. Guess I will need to wait for now

[@AutomotiveTherapy]

No worries, thanks for watching! And yea these prices are not making it easy at all, definitely wait, the market will drop soon, I see it coming

[@ladssupplies1295]

Sorry had to skip to 6:51 to see those numbers haha but great break down video. This car seems very manageable surprisingly!

[@AutomotiveTherapy]

All good haha. Sometimes you gotta get straight to the numbers! But thank you, and yes if you have a good plan then owning this car is very manageable!

[@marcusn1471]

great video loved the content!

[@AutomotiveTherapy]

Thank You🙌

[@LIFTTOEAT]

Nice breakdown man!

[@AutomotiveTherapy]

Thank you! Glad it was easy to understand

[@mars56100]

You’ll do very well throughout your life. Congratulations!🎉🎊🍾

[@AutomotiveTherapy]

🙏

[@CBosridesandreviews]

Thanks for the honesty there. Im on the fence about selling my s4 to get an m3. It looks like a great car.

[@AutomotiveTherapy]

I will forever recommend this car! I say go for it

[@AznGlenny07]

Feel happy for you. Not many people at your age know how to manage the money yet.

[@AutomotiveTherapy]

Thanks 😊

[@johnja9017]

I went with a 2017 370Z. Just made the last payment today. I have to say, car payments suck.

[@yesiagree3833]

Did you miss a few payments before?

[@johnja9017]

@@yesiagree3833 nope

[@edwardengland8450]

Great video!!

[@AutomotiveTherapy]

Thank you!

[@jg-zi9xw]

congratulations in buying your m4 been only 20 yrs old.i am 43 and just bought my 2017 m3 , sedan yas marina blue, 6sp, competition package,23k, like yourself m3 has always been my dream car, it did tooked me a couple of years to save for down payment. financing, paperwork, warranty and all those nonsense fees it would cost me $85k..my payments will be 1200 with insurance included!!!which after watching your video is not bad at all!!! once again congratulations!!

[@AutomotiveTherapy]

Hey there! Thank you so much! I appreciate you stopping by and watching. Congrats on your new M3, you’ll absolutely love every moment with it, they are just perfect cars in so many ways. I’ve made over 100 videos on different subjects and modifications for these cars so definitely follow the channel now that you can relate with your M3!

[@elijah48]

Love the video man, really honest. Most people don't know how you brought out about financing with a credit union being the best way to get a low-interest rate on your auto financing. Dude I'm really happy for you, I love seeing us the younger gen with dope rides man. Car community is just something else!

[@AutomotiveTherapy]

Thank you man! I’m glad you enjoyed the video! I love representing the youth and proving bro everyone that age doesn’t matter! You can do anything you want with the right mindset and plan!

[@paranoiasrevenge4324]

thanks for the info bro🤞🏾🤞🏾🤞🏾🙏🏾 15 years old building up my credit and working hard so i can get an 18” m4 at about 17 or 18. keep up the good work!!

[@AutomotiveTherapy]

No worries bro! And there you go! Start getting ready while you’re younger, just make sure everything makes sense to you when you are ready to buy 👍 thanks for watching!

[@dredreamzz5059]

how do i start building up my credit ? i’m 15 btw

[@paranoiasrevenge4324]

@@dredreamzz5059 my dad got me a credit card and pays it off every month for me bro

[@luisartiaga1339]

@@dredreamzz5059 start with a secure credit card. Then you go from there

[@robertbonds6680]

@@paranoiasrevenge4324 lmao your dad pays off your credit card. Wow

[@CarlosHernandez-gc6no]

Another great video! Brotha how did you negotiate the price of the car?

[@Tyid.]

this video is so inspirational and informative. The bmw m4 is one of my two dream cars which the gtr r35 is the other....i plan to own both of them before im 25, im 17 now...i wanna own m4 first thou.....i love your car love your channel love your videos and you've just earned a sub........keep it up

[@AutomotiveTherapy]

Wow thank you for the kind words! Hopefully it helps out with your process to buy the M4! I appreciate you subscribing, lots of great M4 content coming your way!

[@Tyid.]

Your welcome and thanks man✊🏽

[@airking2392]

I dont even know you and im so proud to see others younger than me doing what I wish I was doing at that age.

[@AutomotiveTherapy]

Thank I appreciate that! You’re never too old or too young for something!

[@Briant7900]

nice vid bro i’m planning on getting a m4 myself i’ll be 20 in may i currently own a 2013 128i with 66k miles hopefully i’ll trade it in with in a few months. your vid helped me and motivated me bro 💯

[@AutomotiveTherapy]

Thank you! And I guarantee you that you can get one of these cars. Stay focused on it and make a game plan. Message me again once you get it 👌

[@Donnner93]

Jeeez, I bought my F80 M3 2018 here in Sweden 2 months ago (cash), and the cheapest insurance-company I found wanted around $2800 a year for my car (I'm 28). Even though i've owned many cars, and got pretty much collision-free history. We've had a lot of problems with people stealing airbags from these cars in the bigger cities, which causes the insurance to go up unfortunately - Looking forward to bring it out this summer - Sweet car you got there for your age :)

[@taliyy_]

Stealing airbags? How about the whole car lol

[@christianmartinez3209]

Like the video ! I’m 20 years old, tryna look for an m4! Wanted to leave a 10k down with a 40k dollar m4 didn’t know it was possible thanks !

[@AutomotiveTherapy]

That’s a solid plan! It’s very achievable. Just make sure you still have money left over at the end of month to pay for other bills and money to enjoy life! But thanks for watching, hopefully you subscribed, lmk when you get your M4!

[@NealCaen]

thanks for this video brother! i’m in the market for one now so this helped a lot. btw what apps were you using to find the right car?

[@AutomotiveTherapy]

No worries man! Glad I was able to upload at a good time for ya. Use cars.com and car gurus that’s where I found several really sweet M4’s. Hopefully you subscribed so you can stay in touch with all my M4/M3 Videos! Best of luck with your search for one 🤞

[@NealCaen]

just did brother turned on post notifications as well. also how did you manage to negotiate? there’s this perfect M4 here in San Diego Ca, it’s listed for 55,000 2018 only 16kmiles from a BMW dealership. How do you think i can talk them down to 50-55 out the door? i would love some negotiating tips if you have some time to spare my guy! thanks again.

[@AutomotiveTherapy]

@@NealCaen ooooo sounds like a clean M4 bro! And thank you so much for staying with the channel🙏. Alright so what you should tell them is that you are looking at a few other m4’s just like that one and tell them that they are 5k cheaper and tell them that you will take the car if they can price match it. Also tell them your budget, they will always try and working with a budget. So tell them $50k. Biggest thing is to compare similar ones on the market and try to narrow it down to the best deal. Honestly you just have to scare them and make it seem like you won’t buy the car if you don’t work with them. And ask for sales managers 👌

[@terryadkins3114]

Good Lord, I’m impressed that $957 doesn’t scare you. Keep that car then those expenses make sense.

[@AutomotiveTherapy]

It’s all about management! Been over a year now and still making it work🤞

[@ohreally4752]

can’t tell if i should get a 435/40i soon or pull the trigger on an m4 but next summer edit: ended up going with a 340i x drive. m4 will have to wait 🥲

[@AutomotiveTherapy]

Wait til you can get an M4, if you get a 435/40i first you’ll eventually want to sell it and get an M4 like I did 😅

[@curtisjohnson8814]

Very helpful video! Plan on getting an M4 this year at 20 yrs old😂

[@AutomotiveTherapy]

I’m glad you found it helpful! And there you go! It’s possible just set yourself on the right path and direction and you’ll get one in no time

[@AutomotiveTherapy]

I said A LOT of important things thru the whole video, so keep everything in mind so that it’s the smoothest process 👌

[@curtisjohnson8814]

@@AutomotiveTherapy Will definitely keep everything in mind. Thank you 👍🏼

[@generalkenobi8899]

Both are you are gonna live at home until you're 30. Lmao

[@AutomotiveTherapy]

@@generalkenobi8899 well good thing I live on my own and work in the finance business! Not worried about anything after buying this car

[@ISYNISTRI]

Hey man I know your in Denver. I loved the video and appreciate your video this was awesome. I’m with Allstate insurance and I’m all honesty I would love to help out with your insurance stuff to make sure things are in a good spot 282 being 21 in Colorado with a M4 I can only imagine the coverages have to be in a bad spot I would love to look at it sometime and make sure it’s in a good spot!

[@AutomotiveTherapy]

Hey there!!! Thanks for watching! That’s awesome, if you think there’s any hope to lower my insurance than I’m beyond down to take a look into it 😂 message me on Instagram, link in this video

[@ISYNISTRI]

@@AutomotiveTherapy I’ll definitely reach out man!

[@alfavague2141]

What a absolute guy

[@mike786551]

You popped on my feed lol. Nice vid. Fyi my brother had this car till recently

[@AutomotiveTherapy]

Thanks for checking out the video! And wait your brother owned this exact M4???? Or one like this

[@mike786551]

@@AutomotiveTherapy same year m4 but in that golden color haha. I've driven it many times, liked it allot but was too raw and visceral for me lol. I have a '18 RS3 and he traded his m4 for a 992 carrea s. But he misses the beemer alot haha

[@AutomotiveTherapy]

Oh gotcha! And I love that golden color. Yes these cars are very raw and drivers focused. But nice! That Rs3’s are beasts when built. And haha same the previous owner of my M4 traded it in for a Porsche, that seems to be the popular upgrade after owning an M4

[@mike786551]

@@AutomotiveTherapy ya the rs3 is an amazing car. I'm already on stage 1 no mods. Got all the boltons sitting in the garage waiting to get installed so I can go stage 2. Glancing at your vids, they seem really dope. Ik you just started making videos for the most part but keep at it and you'll grow ur subs really fast! Esp once you start documenting the tuning etc haha...Ik I should do the same lol. Oh and I've sub to ur channel :)

[@AutomotiveTherapy]

@@mike786551 that is awesome man! You sound like you’re about to build a crazy car! Definitely post some videos on it. And wow I truly do appreciate that. Thank you for putting the time to look thru my channel, I really hope that my videos can turn into an awesome community of people who love the automotive world! More videos on my M4 and other cool cars in general are the goal. Thank you so much for subscribing 🙌

[@kindafast6712]

Dang. I’m sorry to hear that

[@JavierSanchez-si5sj]

From the future here, 45K with 20K miles is a fucking steal in this market

[@AutomotiveTherapy]

I lucked out!!! I sold it 2 weeks ago for 52k 🤑

[@ricardomarin487]

@@AutomotiveTherapy nice any idea what youre going to do with that money? Save, new car.

[@craiplayz]

Nice car 🔥

[@AutomotiveTherapy]

Thanks!

[@newtstham6982]

Nice. Which shop did you took your car in for the crank hub. I'm in Thornton

[@AutomotiveTherapy]

Shop is called COLORADON5X they are in Denver. Thanks for watching!

[@brandonj9974]

Ohhhh she is firee 🔥 my dude. Congrats. Do you have sc😉

[@AutomotiveTherapy]

Thanks! She’s the best car! And I have an Instagram for my car linked in my description

[@Thatbluee9x]

brotha that’s insane. i pay $600 for my 2010 financed 328i. that’s now my 2nd car on my own with a clean driving record. definitely need to go insurance shopping lol

[@taylorlangley900]

they put you together then bro

[@Thatbluee9x]

@@taylorlangley900what’s the mean

[@taylorlangley900]

@@Thatbluee9x do you mean 600 a month for insurance or thats your car note? either way you are getting fucked

[@JerryAdjoyi]

sitting here 26 and will most likely have to pay less but jumping from a 15k car to 50k is scary man. Joining the community soon

[@AutomotiveTherapy]

You got this! You’ll love the community

[@Freshest13]

Just wondering did you go to bmw or like where and what range was your credit score just wondering cause I was planning to hop in a m3 or m4 2015/2016

[@AutomotiveTherapy]

I live in Colorado and flew out to a Porsche dealership in Ohio to buy it. My credit was around 680 when I applied. It’s definitely possible, just shop around rates and I recommend using credit unions

[@bimmergang9388]

Just got my mineral white f80 M3 competition 😌

[@AutomotiveTherapy]

Congrats! You’ll love this platform 🔥

[@cuuuhris3168]

Any tips on lowering price at dealerships with the current market?

[@AutomotiveTherapy]

Knowledge is power! Show them that your educated on these cars and their value, find some that are being sold for less and tell them you’ll buy a cheaper one if they can’t lower their price. Just make them know you’re ready to buy but only if they work with your budget

[@taylorlangley900]

Don't buy from the dealer. It is a scam

[@GTR792000]

Crank Hub is only an issue if it is highly modified. These companies that make the upgraded crank hub are making s55, n55 and similar engines worry for stock engines. I believe in 2016 it was changed by BMW.

[@AutomotiveTherapy]

The crankhub was never updated and fixed in the F8X generation. The new G8X cars with the S58 has the updated fix in their engines

[@vision9242]

How much miles did it come with when you bought it im looking into buying one but I’m scared about purchasing a bad car and dealing with a ton of expensive repairs in the future.

[@AutomotiveTherapy]

20k miles! Currently at 37,000 and it’s been nothing but fantastic!

[@jonathanturcios5446]

@@AutomotiveTherapy crazy how ur car still has equiyy

[@fentfriedrice]

I watch these videos just to remember these cars used to actually be sold at a reasonable price 😔

[@AutomotiveTherapy]

The good ol days 😢

[@quinlanburns3015]

I bought my f82 m4 at 18 and only pay 93 bucks a month. This is insane. 282. Goodness

[@AutomotiveTherapy]

Yup insurance varies per person

[@christianmora2824]

Did you use a credit union after financing with the dealership or never went through the dealership?

[@AutomotiveTherapy]

Yea I went through a credit union after applying through dealerships

[@chisha8415]

Is it possible to mod your M4 so that it has a touch screen sat nav? I really want an M4 but I really want a touch screen because that's what I have now and I'm so used to.

[@AutomotiveTherapy]

You’ll have to upgrade to one the aftermarket units. I know it can be a lot of work to do that

[@ZippedWheat88]

Have you tried shopping around for different insurance? I got quotes from a lot of places and for a similar car at same age and I am only paying $130 a month.

[@AutomotiveTherapy]

I did shop around and that was the best rate I could find. I need to shop around again now that I’ve been paying for almost a year at this rate

[@ZippedWheat88]

@@AutomotiveTherapy Yes always worth a try.

[@sportscardtaxi1626]

Wish I could find M4s for that low of miles and that good of a price

[@AutomotiveTherapy]

The market seems to be cooling off again, but I definitely bought in at a great price

[@Jussdanny]

Wait 675 what loan term did you go with

[@F30Klaus]

I know this is very late but could I ask were you on your parents insurance with that rate or on your own?

[@AutomotiveTherapy]

All on my own!

[@compassion4227]

Good price! My m340i was $750 a month and I got this when I was 20. Now I’m 23 and I’ve now gotten a 2019 m4 for 68k, 20k miles, full warranty coverage(dent, tire/brakes, maintenance) at a monthly rate of 1150. A little more then I wanted to spend as well since Ive recently bought house in Austin.

[@Mauiiwaui]

If you don’t mind me asking what do you do to afford that and a house?

[@compassion4227]

@@Mauiiwaui not at all dude. Im a devops engineer.

[@Mauiiwaui]

@@compassion4227 I’m a nurse and I’ve actually thought about going into IT but my friend that’s in IT tells me otherwise so I’ve debated lol but who knows maybe I would be happier in a different field

[@shakisdabeast6730]

congrats im 31, and i got a m4 gts aka. gran tourismo from europe i imported it, and i paid 201k + the importing fee which i forgot but it was hella expensive due to the fact i got it from the plane and then into an exotic truck, delievered to my house, but m4 gts is crazy just like any other supercar kinda.

[@AutomotiveTherapy]

That’s awesome! The GTS is as exclusive as it gets. I’m sure it costed a pretty penny but I’m sure it was all worth it. Congrats!

[@davis7323]

You paid alot for a m4... could of gotten a 911 turbo S here. =()

[@shakisdabeast6730]

@@davis7323 yea i didnt rlly know that but it was kinda like my dream car, though the offers im gettin are like 140k since mines has like 47,322 mileage since i got it fresh from the dealer in europe

[@jonathanturcios5446]

How’s the m4?

[@shakisdabeast6730]

@@jonathanturcios5446 Sold man i sold it for 175k I forgot the mods I had on it but its too much to list here. I took a small loss here, but I'm chilling with my 2019 m5 competition in a custom midnight purple wrap, along with some tasty cf modifications such as oled racing steering wheel, downpipes, stage 2, and many more

[@euddys]

what size tires, and spacer setup?

[@AutomotiveTherapy]

In this video the current set up was REAR:275/35/19 w/ 15mm spacer FRONT:255/35/19 w/ 20mm spacer Currently I’m now running: REAR: 285/40/19 with 15mm spacer FRONT: 265/40/19 no spacer

[@AK-kz1he]

I’m 20 too and I just got same car just 2015 :)

[@AutomotiveTherapy]

Ayeeeeee nice job man! Huge congrats to you and achieving that. Now you gotta stick with the channel and support the younger M4 crowd 😉

[@AK-kz1he]

@@AutomotiveTherapy Ofc bro 😎, should I get my crankhub upgraded aswell ? Heard about that problem with the m4’s

[@AutomotiveTherapy]

Thanks bro! And yes I recommend it if you are tuning the car and driving it hard. You do not want to replace that engine!

[@splashboi898]

I regret my career choices. I have to drive my g35 for the next 6 years 😳 lmao all the money I get from my part time job I have to keep saved up for med school. Maybe after med school I can get that same m4 depreciated haha

[@inexperienced_gamer1846]

Enjoyed this video a lot. My insurance is $250/mo, I had $5,000 down on a $45,000 m3 2 years ago granted so it was that expensive with less features sadly but got the red interior which I wanted, so I pay $762/mo and now 21 as well bro! Hope to be getting a gtr this summer. Supercar with awd for the snow at 21 is my goal now haha. Good shit. Keep it up G

[@inexperienced_gamer1846]

To anyone who reads this, currently selling my m3 with a lot of mods that are safe for the car no problems, a lot of extras on the side such as tires and all OEM parts come with it. Hmu for pics, pricing, and details. Like this video tho for sure if you haven’t tho

[@AutomotiveTherapy]

Glad you enjoyed it. Sounds like we paid similar expenses! Also yes anyone that sees his comment, he has a clean F80 for sale! Hit him up

[@jordanwilliams3485]

@@inexperienced_gamer1846 hope you get it bro!! Im trying to upgrade from my f30 335

[@saadalvi7608]

man i live in ontario where insurance is super high. I pay 400usd a month for insurance ( 0 tickets) and $320 usd for car payments for just my 428i lol

[@AutomotiveTherapy]

Wow! That’s really high, I didn’t know they had higher prices up there. I can’t imagine an M4 up there...

[@saadalvi7608]

@@AutomotiveTherapy update i bought the 2020 bmw m4 brand new with ultimate package. The insurance is $500 usd so not too bad, payments are a little over 1k usd just turned 20 as well.

[@saadalvi7608]

@@AutomotiveTherapy I was watching all of your vids about this car haha

[@AutomotiveTherapy]

@@saadalvi7608 😱😱😱😱 that is so awesome. Huge congrats 🍾. I’m glad I was able to give you some videos to watch on these cars before you bought one! You will absolutely love how perfect these cars are. You’ll have to stick around and keep watching the videos now that you own one!

[@thevduber]

What insurance do you use? I'm 19 and looking at getting a F83/2 but all my quotes come to 450 a month!

[@AutomotiveTherapy]

State Farm!

[@jacerichards7105]

@@AutomotiveTherapy That’s unbelievable bro. I got a quote for 2016 M4 Coupe and they told me $372 a month. I’m 20 years old with a clean driving record. I was considering putting my name on the loan and putting the title in my moms name and me just pay her for the insurance monthly. Because $372 a month for insurance is honestly a little wild!!!!

[@lueluc8522]

After a year or two shop around for better insurance rates. Dont stick to one company. Like the M4.

[@AutomotiveTherapy]

Yes I definitely want to go get some lower after awhile. I shopped around with tons of company’s and that was the best deal. Thanks for watching!

[@jh50551]

Wish them prices were still the samw😢

[@ovidiudochita3598]

I buy same car yesterday,same color en i pay 50.950 euro

[@SomberSuicide]

did you ever say what your interest rate was

[@AutomotiveTherapy]

4%

[@hardware20x]

What year of M4? Also Competition or CS?

[@AutomotiveTherapy]

2016 base

[@MrRapfan22]

Hey how were you able to find a high paying job at 20? also any estimate on your salary so i can get an idea of where I need to be? keep up the vids man!

[@AutomotiveTherapy]

Lots of research, Also I’m not going to college so it gives me all the time in the world to work as much as I can and research and find the best ways to make money. I spent long hours in retail, construction, and video making to save up for one, but it wasn’t enough. So I ended up getting a job in the mortgage consulting business which pays really well and I was able to finance an M4 with a good down payment and proof of income. I would say you should at least be in the 40k-50k a year mark. And I would also say you should have at least $1,000 left over after you pay for living expenses, bills, groceries, car payment, insurance all of that. It’s very manageable, you just need to research and make a plan!

[@MrRapfan22]

@@AutomotiveTherapy did you have prior experience for the job or was it a connection that got you the job?

[@AutomotiveTherapy]

I knew someone in the business and I had experience in working in sales and consulting so that helped. But honestly anyone can learn the basics and know how to explain any job with some online research and studying!

[@zayn5398]

M a medical student and I want to afford a bmw m4 any advice ?

[@AutomotiveTherapy]

Always find a way to add more income. You have to balance work life and school life to make it work. These cars are possible to earn for anybody. I recommend finding a quick and easy source of income that pays specifically for the M4. That’s what I did…

[@therealpower622]

Around what was your credit score when you got the car?

[@AutomotiveTherapy]

680

[@therealpower622]

I'm looking to get one.. thanks man

[@AutomotiveTherapy]

No problem! Best of luck with your search🙌 make sure you’re subscribed so you can watch all the M4 content 😉

[@AutomotiveTherapy]

That should work! Just make sure interest rate is on the low side

[@samwayne9000]

Don’t forget about fuel costs, you’re looking at least £200 per month, depending on your usage.

[@ikebuttle360]

In the US it's way cheaper on fuel, I just bought an m4 comp in the UK which is getting silly expensive on fuel

[@samwayne9000]

@@ikebuttle360 what sort of mpg do you get in different driving scenarios?

[@michaelnelmonk]

My car & insurance payments (2016 F30) are 7.3% of my monthly income and I still bitch about them!

[@AutomotiveTherapy]

bills are never fun no matter the money haha

[@Toymonkeyjr]

282 for a m4 at 20 years old is crazy, at 20 with a high 700 I was getting 300$ for a car from the early 2000's

[@AutomotiveTherapy]

I’m at $250 now at 22 years old! Definitely feeling lucky with these numbers

[@Toymonkeyjr]

@@AutomotiveTherapy Yeah you have really good insurance, by the time you're 25 the same car would probably be sub 200

[@AutomotiveTherapy]

That would be perfecttttt 👌

[@Toymonkeyjr]

@@AutomotiveTherapy Keep up the good work, the work you put into the channel will pay you back overtime, and then you won't even have to worry about insurance rates

[@AutomotiveTherapy]

Thank you 🙏 And yes that would be soooo great 😂 one day!

[@45acporbust73]

End of 2022 a used M4 base is the same price with more miles and in silver.

[@AutomotiveTherapy]

😣

[@Luke-hw3ne]

Jesus, thought I'd upgrade to an STI if I could in the future but a car in this caliber??????

[@junkim9555]

How is your insurance so low which state?

[@AutomotiveTherapy]

Colorado! I used State Farm

[@nismos3023]

What insurance company did you go with

[@AutomotiveTherapy]

Statefarm

[@ovidiudochita3598]

mine is 317kw 425hp

[@gregchristy5772]

335i fully insured 252 a month *cries in BMW*

[@johnreyles4465]

What you do for work?

[@AutomotiveTherapy]

Currently unemployed! Made a few videos about losing my job after buying the car :( I was working for American Financing on the consultant team. Right now I’m actually running a few online businesses!

[@ozzy_fromhell]

WTFFF I’m shopping for a 440i not even the m version with 30k miles for 38k for 7k more you got the m4 version same year too😞😱

[@AutomotiveTherapy]

Prices are wild nowadays!!

[@ozzy_fromhell]

Haha for real I’m 20 too but I just bought a house this week so I’m not car shopping for the m4 till march I’ll say but I swear Imma get it before march😅

[@getrektnoobgg5043]

@@ozzy_fromhell save your money dawg and drive a relatable shitbox till hopefully prices get right. It’s not worth it right now.

[@ozzy_fromhell]

@@getrektnoobgg5043 true I ended up buying a house i posted on KZbin 🤣

[@eliaslewis3228]

How much credit did you need ?

[@AutomotiveTherapy]

atleast a 680+

[@darket4826]

Omg you gotta a really good deal for 45k and 20k miles with 1 owner usually those go around for like 55k to 57k congrats

[@AutomotiveTherapy]

Right!!! It worked out great. I purchased this car literally at the perfect time when the market didn’t sky rocket. I could actually sell the car and make profit off of it, but I love it too much to do that. Make sure you subscribe if you like these cars😉 thanks for watching!

[@darket4826]

@@AutomotiveTherapy already am subscribed and turned on post notifications your so lucky I’m currently looking at a m4 and my budget is 40k but the only decent one right now near me is for sale is for 46k but it has 40k miles with 2 owners the market right now sucks hopefully by summer it drops

[@AutomotiveTherapy]

@@darket4826 oh even better! I appreciate that. And yea I definitely got lucky when I was in the market for one. But these cars aren’t super rare and they will eventually have their decrease again

[@darket4826]

@@AutomotiveTherapy hopefully 🙏🏽 I need a car by this summer a m4 is my dream car that I will probally never sell

[@saucy05]

$1000 a month for car payment and insurance at the age of 20? Y’all kids are crazy. Imagine if you invested this money … your 40 year old self would have been grateful.

[@AutomotiveTherapy]

Life is too short! I love cars and I love making videos! That’s what I’m doing instead of going to college. And who said I wasn’t investing already? 🤔

[@KevConc]

A 21 year old who looks like a 40 yo guy 😂 With an m4. 🔥

[@AutomotiveTherapy]

Damn, well I’m 22 years old now, do I look closer to 50 now?

[@cegan510]

This was obviously pre-COVID you cant even come close to 45K for a M4 with low miles right now

[@AutomotiveTherapy]

Nope during covid. November of 2020

[@Minxviral1]

I have a 740 score with 2 credit bureaus I’m 18 and I have been building my credit since 2017 under my dads account. I’ve worked at the same job for 4years and bring in more than 27k a year. And the credit union I’ve been using for 3 years denied me for an auto loan and said I a co-singer 💀 I also have 13k saved but they don’t give a fuck

[@simpolang]

Tip, I'd buy a car under 15k and save yourself the headaches in the future with your situation. Buy your dream m4 when your alot older and making more money. Trust me, it's worth the wait and saves you on loads of stress. Dont drown yourself at 27k a year, it's not the best idea. to be getting a 40k-80k car.

[@Minxviral1]

@@simpolang yeah I ended up getting a Honda Accord 2002 of Facebook market for $2400

[@Exata1337]

a bit curious but what do ya'll 19-21 yo dudes do for a living to afford this? read a guy lower down here as well saying hes "grinding to afford it at 18" while at 16 - and kinda wondering how on earth 16 yo kids are earning more than full time employees at retail while in school on top 🤔 like how are ya'll sitting on 20-30k+ able to be thrown away and still be able to handle 1k+ in car payments (excluding fuel AND maintenance) on top?

[@AutomotiveTherapy]

I started working in the mortgage industry at 19 years old. I’m now 24 and still growing my career. Lots of side hustles on the side too

[@Exata1337]

@@AutomotiveTherapy how were you able to fetch a job there at 19? aside from insurance jobs, here you pmuch need a bachelor in anything to be able to get into banker jobs

[@AutomotiveTherapy]

@@Exata1337 It was an entry level position. I did really good at it and worked myself up in the industry

[@martintonge3254]

Have you managed to remain ticket free?😊

[@AutomotiveTherapy]

Have had one ticket on my record

[@dubnessIII]

If you can't put at least 50% down on a car, you can't afford to drive it. I haven't financed a car in 10 years because they are depreciating assets. This generation has no patience.

[@AutomotiveTherapy]

I sold the M4 2 years ago for $52,000. I made profit on the car lol, not everything goes that way

[@yerrie1908]

If you need to 2 sets of tires a year then the car is done in a decade max

[@DanielFlores-zd6xh]

I pay 500 a month for my m 4

[@AutomotiveTherapy]

not bad at all!!

[@toadinthehole8085]

I was going to say there is no way your English. Here it wouldn't matter how much money u payed no chance of been insured on that at the age of 20 .

[@AutomotiveTherapy]

Yea here in Denver Colorado it worked out just fine for me at age 20

[@m5p944]

So you don’t own the car right? It’s owned by bank, you don’t have title in hand and you on monthly payments plan. So now you upgrading someone’s else car and you paying for it.

[@AutomotiveTherapy]

Sorry I don’t have close to 50k in cash to drop on a car? It’s a completely normal thing to finance a car. Nothing new here buddy. Don’t see the point of your comment.

[@pocketBreaker]

@@AutomotiveTherapy 😂😂 literally what was his point

[@jeffjl12]

That's not high

[@jeffjl12]

I'm at 630 on a infiniti q40

[@exodusATTWN]

You got smoked on your insurance man

[@AutomotiveTherapy]

Well normally you don’t get outstanding rates when you’re only 20years old insuring a sports car

[@exodusATTWN]

@@AutomotiveTherapy yeah I know, I’m 23 and I’m actually a insurance agent. Actually purchasing a M4 this weekend! But with that being said don’t be afraid to shop around and find the best rate possible. Also if you can join your parents insurance policy that will help with the rate.

[@AutomotiveTherapy]

Oh that’s awesome, you’re in the business! Congrats on the new M4, you’ll absolutely love it, these cars are great in every way. Definitely subscribe because that’s all I upload about😅

[@AutomotiveTherapy]

Since you commented that I’m gonna shop around today, anyone you recommend? I’m with State Farm right now…

[@exodusATTWN]

@@AutomotiveTherapy awesome man! Thanks, I’m picking her up Thursday! Same exact specs as yours except she’s grey! But 2016, 40ish k miles, $50k. Carbon fiber roof. I’m really excited. As far as insurance I feel like safeco and progressive have some of the best rates. I was just quoted $192 a month which isn’t bad!

[@NickNacNutsack]

1k a month for a used M4 pfffffffft

[@AutomotiveTherapy]

Technically under 1k haha. But I know some people paying well over 1k for M4’s so I feel good about my numbers

[@NickNacNutsack]

@@AutomotiveTherapy I have a 2016 Audi S3 I would love to have an M2 or an M4 but I just feel like the payment would just upset me too much I pay about 525 a month for this car and I didn’t mind it after getting it because it was my first actually fancy cool quick and nice car but the novelty wears off but I guess that’s just me not being content because you always want bigger and better but it’ll cost you

[@elmerramirez1215]

Doctor strange

[@can1beatme]

Lmao insurance under your moms name quit cappin

[@AutomotiveTherapy]

Hit up my Insurance agent Joey McQueen at State farm buddy, ask him if i’m cappin

[@yAnKe3s13]

Get to the point

[@AutomotiveTherapy]

Dude 😂 did you not see my pinned comment…..????