Why Looking Wealthy is Keeping You From Being Wealthy!

[@nicholaslamantia9597]

Brian’s luxury car rant made me day 😂

[@sethssd]

Had a bmw... Facts on all his statements... got a tesla... best move ever. Was nicer, faster, ultra efficient and haven't spent a penny aside from some tires and driven 2x as much

[@kinglasher84]

It pains me when I see a new BMW Audi MB in in the work parking lot because I’m a car guy and I know how terrible those things get after the first 5 years.

[@stocksxbondage]

Used to drive Merc. Never again until I can comfortably buy an AMG cash without affecting my net worth. If you don’t find anything suspicious about a 100k car being worth 40k in 5 years, I can’t even talk to you 😂 Guy in my apartment has a 10-15yr old Aston Vantage V8. He better adore that car because he’s basically married to it God bless him

[@nataliamartin6411]

Same 😂 I was literally laughing out loud.

[@acilirp]

I love how respectful they are in regards other finance methods.

[@michaelswami]

Dave Ramsey does wonders for a lot of people. I’m thankful for his work.

[@jacobpierce6153]

I find it easy to combine their ideas. I like Money Guy saying to invest early, and I lean towards Ramsey saying not to finance a car (although I understand Money Guy’s reason: you need to drive to work TODAY)

[@jwdepriest]

30 is NOT too late! I started at 31 and I caught up by 39 to where I WOULD have been if I had started at 22…

[@thoryan3057]

I'm doing the opposite. I had started at 22 but I give myself permission to save a lot of money for extra financial security in the short term versus investing it for the long term. So my thinking is starting young gives me the privilege to not invest as much, and therefore I do not feel guilty for putting so much of what could be invested into a savings account. Congrats on your accomplishment for making up for lost time, that is incredibly difficult and challenging and you should be proud.

[@LuisVelazquezLV3]

They did NOT cut out the BRIAN RANT!!! THANK YOU!!!

[@Melanie9908]

I pay off my house first…it is about emotional and physical security. No matter what happens in the economy, my family has a roof over their head. If I lose my job, still have the security of no mortgage. One less very major thing to worry about

[@jordanmadden7388]

No mortgage increases cash flow. Immediate increase in cash flow gives you OPTIONS at a younger stage in life. Those options often lead to chasing a dream career and those dream careers can potentially turn into 7 figure incomes.

[@shanarobinson7672]

@@jordanmadden7388 🙌🏿🙌🏿🙌🏿🙌🏿🙌🏿

[@anniealexander9616]

It feels like 2006. For many years, I felt like everyone else was making more money. The end of 2007 was when I learned people were running up credit cards. Then, they refinanced their homes to pay it off every few years. When home prices peaked, it was like musical chairs and the music stopped. I've been feeling like 2006 all over again. My friends have big houses, new cars, campers, bass boats, dine out everyday, go to the salon often, take their dogs to the salon, take the whole family out for steaks, for once a month on vacations to resorts out of the country and never cut back on anything.

[@eugenechurch6135]

My 2007 corolla has 121k miles on it. I could buy a brand new car in cash. No thanks! I buy all my clothes at savers, and buy food at bargain outlets, I invest alot, and splurge on fun and memories.

[@CalmerThanYouAre1]

What a great episode! I'd have paid a $10 admission fee to see angry Brian! Solid gold straight from the heart content right there. Tesla ✅ Maserati 🚫

[@dianeridgway8070]

Brian is absolutely right about luxury cars, tyres and brakes cost a lot more and you do have to changed them more frequently depending on how sporty/ high performance the car is.

[@romainhugon7052]

sport tyres are softer, wich gives them more grip but also ake them less durable, just look how often formula 1 changes tyres, for normal use they are useless.

[@dianeridgway8070]

@@romainhugon7052 yes that is exactly right. Softer compound. Same with performance brakes. You change them more frequently and it can cost and arm and a leg!

[@rperez327]

I've had the pleasure of owning German cars, but also the pleasure of being able to repair and maintain them. IF and ONLY IF you can do the maintenance yourself, German cars are not terrible. With that being said, Japanese cars are by far the easiest cars I've ever had to work on.

[@juanvaldez7279]

My 96 Del Sol and I are celebrating our 14th anniversary of being my daily

[@rperez327]

​@@juanvaldez7279that's freaking sweet! Do you do the maintenance yourself?

[@carieyounginsurance]

I never cared what people thought but I love my BMW and my Rolex…! Both used as well. 🤷🏻‍♀️ as long as I’m investing 30% of my income and have savings - I feel okay spending money on those things plus I’ll keep them for a long time. Some things I just like nice quality things. I don’t see the value buying a 4-8k purse though- I’d buy that used on Poshmark

[@cade8986]

Lol. A watch is quality of it tells time correctly… like my $22 Casio

[@xmochix604]

@@cade8986Rolex are actually an investment. You can buy a Casio, let her buy her Rolex. Some of us are on step 8 and love to enjoy our money too.

[@theKurtAnderson]

That’s the joy of the FOO: if you’ve completed step 7, go nuts guilt-free!

[@libertarian4323]

@@xmochix604 I'm a decamillionaire (not sure what step that is). The most I ever spent on a watch was $80. I tossed it in a drawer about 15-years ago when I realized most of us are rarely more than 5-ft from something with a clock (phone, computer, dashboard, tablet, clock, microwave, sound system, TV, refrigerator, whatever).

[@nathankimbro2639]

I enjoyed hearing the statistics about Rolex owners income levels. I’ve heard similar commentary before about luxury car owners being lower income as well which flips the whole dynamic on its head.

[@Qagomez1997]

Down to earth and makes me think about money a different way

[@GeoForReal]

By far the best financial show out there, these guys are so fair and forgiving, and I LOVE that they can disagree with things as well.

[@ProfessorAmandaSartor]

Great job with the "Foo Sighting." So much better than the wiggle of the laminated one.

[@genxx2724]

Thanks for presenting the Rolex statistic again. I’m the person who brought it up in the comments a few weeks ago and took a bunch of heat from some guy arguing about it. I suppose his ego was hurt.

[@Tiden5725]

I don't know who gave Brian an extra coffee this episode, but please give him more caffeine. It wasn't just the car rant. The entire episode was hilarious!

[@Successfinder123]

I never was going to buy a luxury vehicle to begin with but Brian’s rant just solidified it lol

[@AE-pv9vc]

Nice work team, your production quality continues to improve. Really liked the foo posting in the corner to help folks remember the steps.

[@jasminbernier13]

Brian was on 🔥🔥🔥. I absolutely love it 😍

[@nathankimbro2639]

Great content. I think plenty of us violate the baby steps order or FOO by funding retirements before debt free and fully funded emergency fund. It’s much easier for money to disappear into a 401K that you never see than sit on 40k cash. It might not be ideal mathematically but paying off a low interest mortgage faster when the same money would have earned you more in the long run doesn’t either.

[@graphite718]

In regards to repair costs, "luxury" cars only differ from a "normal" car if you pay someone else to maintain them. I got quoted over $400 for an oil change at Porsche. I was able to do the oil change myself for $50. I've done oil changes on relative's "normal" cars and they're all just about $50. You'd be surprised how much you save if you just do things yourself.

[@rosepetal9067]

Great concept Brian that forced scarcity concept, I've started to put it into action. Re lifestyle as you go through life.. when I had kids and started paying childcare fees and I said to myself what the hell was I doing with my money before that 😞.

[@maretteboyle2549]

I had two used Audis that I owned in the past- both were phenomenal vehicles and needed minimal work- and when they did they were under warranty, or easily fixable at my local mechanic. Not to mention the oil changes were more expensive, but that's because they use synthetic oil- which lasts almost twice as long between oil changes. Meanwhile the Jeep I owned previously was insanely expensive- only fixable at the dealer and a pain in the ass. I dated someone whose family was very involved in the automotive industry- specifically transmissions- and he told me never to buy a BMW or Range Rover, specifically for the reasons you mentioned.... just my hot take.

[@xmochix604]

We went car shopping and my husband told me to stay away from German cars or he’ll never speak to me again (okay I’m exaggerating 😂). One of my old German car, not even that old, gave him such a headache with the repairs that he got traumatized 😂 while he was still driving the 2001 Lexus and super happy with it. So when Brian was talking about European cars that’s exactly how my husband feels too hahah! He said only Japanese. They’re ugly but reliable. 😂

[@jwdepriest]

I prefer Japanese cars as well. Korea and KIA are up and comers as well. I’ll stick with my ES 350 until the wheels fall off. Stills comfortable as ever, but didn’t break the bank either.

[@danbo433]

As a guy living in Scotland, can't tell you much I enjoy you chaps constantly referring to 'fannny packs'. Apologies for my immaturity, but that sh*t makes me giggle. Bless y'all.

[@hellosaysdrew]

I loved how playful this episode was. Great questions and answers, and everyone was having a good time

[@eugenechurch6135]

The only thing more expensive than a new BMW, is a used BMW.

[@ron9665]

17:58 The more options you have - A 457b, a Government pension, a traditional IRA, spousal IRA, a ROTH IRA, some stock shares, and a SAR SEP..... This includes 17 mutual funds and a range of no minimum retirement age to no tax on gains. I wasn't necessarily trying for that number of funds, but some items like the SAR SEP were from a previous company and have 4 funds that I'm willing to keep, but can't continue adding to them. Do you think this is enough options, or should I look to consolidate some of this (where possible)?

[@eskim1018]

I’m now team Brian! Dropping that Z Cavaricci reference (memories of junior high school) and the luxury car reference trigger, love it! Watched a few KZbin clips of you guys but this by far is a super memorable one. A lot resonated in this episode with me personally and maybe some of the decisions I made weren’t great but they were intentional, went in with eyes wide open, balancing opportunity cost and ROI on happiness :)

[@Gutz13]

That q&a drop scared the heck out of me.

[@b.c.2836]

For the paying off your house early question, in my case we bought our home in Oct 2022, 5.375% 30 year mortgage. Came here from Ramsey solutions. We've been paying big chunks of principal only payments. Thus far in these 10 months we have wiped out around 190K in would be interest. 190K saved almost instantaneously without having to ride the market for a long time, for me that brings me peace of mind. We are still investing the 15% towards retirement.

[@DarthVader1899]

How old are you? If your aroubd 30 I would consider bumping investing more. Just my opinion. Nows the time to get money in so it will work harder and and you can use the gains to oay off home faster that's what I did

[@michaelswami]

Love all you guys. I always get something out of it.

[@roburb73]

If you have a low interest mortgage, I see no reason to pay it off early! My 30-year is at 2.25% and I will ride that well in to retirement. It works because we invest 35%+ of our income each month and we will be more than financially set in retirement. I had my house built in /14 and paid $390k and today the same house is worth $750k. At its height the value was $825k! There is no chance we don't make several hundred thousand when we sell it in 10-12 years!

[@eugenechurch6135]

Wow you are a very special boy!

[@roburb73]

@@eugenechurch6135 🤣🤣🤣🤣

[@potatoesandgravy7021]

26:17 lolol Brian is fired up!! Love it!

[@dm3988]

Brian is right about European luxury cars.

[@kn8354]

Hey money guys! Just a quick question. I am 30. I have a 401k I contribute 15% to and the employer will match 6%. I have a mutual fund account that I have some of my assets in too. I am pretty sure I will be in a lower tax bracket when I retire. Should I look at opening a roth in addition to these two accounts? Not sure if the benefit will really be there for me now while I’m trying to save for bigger life expenses like for a car when this one needs be replaced which will probably be in the next 1-2 years.

[@cbell5017]

I have a passion for cars which kinda sucks because a lot of people think your buying cars to impress them or that you must be in major debt. I used to try and hide my interest but learned to pay no attention to these people. I enjoy driving my Ferraris and don’t worry anymore what people might think.

[@sincerelysharon13]

Brian’s rant was perfect!!hahaha

[@jorlowsky469]

I’m the type of guy that looks for my shorts and pants on Amazon and look for the 5 shirts for $20 at Walmart lol. I still have a pack of 5 that have lasted me for 2 years

[@DarthVader1899]

Same. I just was looking at my t shirts for under my work shirts and was trying to remember thr last time I bought them. Has to be nearly 7 years now. Clean and white as the day I gotem!

[@georgetown8986]

The saving factor on Rolex watches and frequently purchased by actual well-to-do people. is the fact the right models do hold their value and can increase in value over time. Many flashier brands of watches depreciate rapidly. So, you can buy a Rolex Submariner, Daytona, Explorer, etc. and, in essence, you are just parking cash somewhere. And enjoying it while wearing it.

[@johnl9135]

Don't you also need to buy parts and repair directly from Tesla?

[@iethos]

I bought my Tesla used, and have had it for 5 years now. The only time I’ve ever needed anything fixed is new tires (I got typical Costco tires).

[@abc123abc99]

19:00 Do you recommend that financial mutants work on any FOO steps simultaneously? Or should I fully fund a 529 so it's essentially coast FI for projected education expenses with a 6-7% growth before moving on to low-interest debt?

[@Alan-jk1yi]

To be optimal, you do the steps sequentially, one at a time. Only once step 1 is satisfied do you move on to step 2, and only once step 2 is satisfied do you move to step 3. That being said, being mathematically optimal is only one part of personal finance, so if you want to deviate a bit around the edges, it's not the end of the world. But the closer you stick, the closer to optimal you'll be (using their assumptions at any rate).

[@absolutelynonameslef]

My sweet spot for luxury vehicles is my Lexus GS 350. Super-reliable, durable, reasonable maintenance costs, and less expensive than a new Camry.

[@FirefightersFinancialToolbox]

Quote of the day.... Bo " Fanny pack ...Thats no where ever!" and it was SO great seeing Brian get fired up about over priced cars !!!! 😀

[@stephanies34]

Not a criticism, just a hint, Givenchy does not rhyme with Da Vinci. It’s more like zhee von she. Love you two!

[@clarkemccormick7099]

Would the guys consider Lexus a luxury brand? I have a 2014 IS 350 and I expect my next car to be of equivalent quality/value. Would a used $50k Ford EV be considered luxury? Love the episode guys!

[@Alan-jk1yi]

They've called Lexus luxury in the past, and Lexus explicitly markets themselves as luxury. But it's really dependent on your income. If we follow their rules, I'd personally classify anything that falls significantly outside of their 20/3/8 rule as luxury, regardless of what the vehicle itself actually is. It's all about affordability. If your income is high enough that a $50k car fits their 20/3/8 rule, then it's not luxury, at least from a financial standpoint. Conversely, even a fairly basic $30k Toyota might be considered "luxury" for someone with a lower income because it breaks the 20/3/8 rule.

[@Asstronauts93]

Plan to retire early I'm only doing Roth and taxable. I'm putting 60% into my taxable and 40% into my Roth IRA. Savings rate is 30%

[@BubbaSnipe03]

Everything comes back around

[@kaitlinspringer323]

Love the Fanny pack-can’t live without it, I don’t care if it’s in or not!

[@luisrosero3162]

I have had three Mercedes cars and never had the issues you talk about. All my tires come from Costco and my latest has close to 80k miles and never had brake trouble. Still original ones. I do not use the dealer for repairs though. Not true guys!

[@aaronjosephs2560]

Great episode! Commenting for the algorithm with one tiny correction Brian: the shoe brand is Teva, as in "teh-vah" not "tee-vah"

[@6200julie]

Thanks!

[@BagsNBaguettes_327]

I just splurged on a vintage Chanel double flap Lambskin bag that is 24 years old for my 40th bday. I love it, she’s a beauty! It has a solid track record of increasing in value. Brian would have a heart attack if he knew how much it was but buying new is $11,000 and I paid less than 1/2 that!

[@xmochix604]

Same. We’re on our way to FI/RE but I collect luxury too.

[@kevinkanter2537]

no maintenance !!! LOL .... you like it ; it's valuable to you ---- you got it!!! ( righttt - it's an investment!!! LOL)

[@brett8079]

So you paid half of what it was originally valued at but the purse increases in value every year? 😅

[@BagsNBaguettes_327]

@@kevinkanter2537do your research. Chanel specifically this bag has increased in price and value over 40% in the last 3 years. This bag, specifically the Chanel medium classic double flap in black.

[@BagsNBaguettes_327]

@@brett8079 I got this bag at a bargain in the pre-loved market which means it was pre-owned, these bags now cost 11k brand new and are selling at retail almost close to that price even pre-loved. Since most people can’t afford to pay $10k plus tax for a bag, they are buying pre loved which is also driving up the prices. Maybe I won’t get 11k now but you can bet that bag will be worth 10k in the next few years. Chanel continues to increase their prices.

[@dianawelch4920]

Never thought Bo and Brian would make fun of me for my Lululemon belt bag 😂

[@b.c.2836]

I need more Brian in my life to cool my pants on all these ideas on how to spend my money. My house is beautiful but outdated, and I am just dreaming up all the different projects, but it would be wiser to invest and save

[@kuebby]

I'm pretty sure my tires have a 60,000 mile warranty. I've had them for 30k miles, over 6 years, and they still look basically new. They cost $130 each to buy, same tire like $250 now though... not looking forward to when I have to replace them. Definitely avoid luxury cars unless you're talking Lexus. Just because they cost a fortune doesn't mean Germans know how to make good cars.

[@ryanspalding6252]

The sound effects for the transitions and other things were wayyy too loud, scared the crap out of me everytime lol

[@IFearlessINinja]

You guys shoulda looked into watches for a minute first. 20-30 grand isnt a high end Rolex, it's entry level!

[@fishroy1997]

My Maserati does 185 I lost my license Now I don't drive

[@alwaysforward28]

hi guys, big fan of the show. question for y’all. hypothetically, if my wife and i have money in roth 401k, traditional 401k, TSP, HSA, roth IRA, regular brokerage, and high yield savings. could you please provide a couple scenarios on what withdrawals might look like in retirement to minimize our tax burden? in this scenario, strictly hypothetically speaking, we would be invested in total stock market index, total bond market index, and cash (high yield savings/emergency).

[@Alan-jk1yi]

That depends on a number of things, with how much you think you'll need in retirement being the most important. With that number, there are a lot of potential strategies based on how much you have in each of the tax buckets, it's really just a matter of taking the money out in in the proper order to minimize the taxes. But it's kind of impossible to plan out without knowing how much you have, how much you will need, and which tax buckets the money is in.

[@virnard]

Z. Cavarrici mention from Brian 😂 Gen X baby!

[@kalebesseskew5525]

I am excited about this because ..... every show he's says this 😂 very excited person

[@ziggy44132]

I have a question. My employer 457 allows me to put $22,500 a year into it. It allows me to put it into pre tax or Roth. I know that a Roth allows you to put no more than $5000 a year (The last I heard). Because it is an employer 457 and not my own personal retirement account, can I put more than $5000 a year into the Roth? I am not old enough to be in catch up phase yet. Thank You.

[@panarat2]

Yes, you can. If your employer offers a Roth option in their 401k, 403b, or 457b, you can contribute the same as non-Roth, or 22.5k. Great way to sock it away vs IRA. Currently though, your employer plan Roth is subject to RMDs unlike Roth IRAs, but that will end in 2025. In other words, max out that plan.

[@ziggy44132]

@@panarat2 thank you!

[@Aj_9_]

They didn’t mention that when you get luxury vehicles, you get oil changes every few years. Brakes every thing is extended. I have a few Luxury vehicles. And it’s not like they make it seem.

[@libertarian4323]

Our experience with luxury vehicles is that they become repair and maintenance nightmares earlier than many non-luxury models-they need more repairs and the repairs are vastly more expensive.

[@Aj_9_]

@@libertarian4323 if you’re referring to a luxury vehicle with 150,000 plus miles then maybe. But if talking about a new car no. And majority of used luxury vehicles if you stay in the 3 years to the date most will still have warranties. Majority of people who have $100k plus cars have second cars. You should really look at the numbers before spewing information based on bad past experiences.

[@libertarian4323]

@@Aj_9_ Obviously, the problems with these vehicles aren't a problem under warranty. The brutal expenses come after warranty. I can joke about my "free" $1,000 cookies from BMW, because it was just an annoyance to me, but for people who aren't multimillionaires, those extraordinarily high maintenance and repair costs can be crippling. I would not recommend BMW or Mercedes to anyone who isn't at least a millionaire with money to burn. Because you will burn money owning those vehicles,

[@gojojuice]

When I was 23, I went to Vegas with 3000 in my bank acct and no job, bought an lv bag for 1500 and a prada bag for 1000. Biggest regret of my life, I don't even use them and plan on selling them.

[@Waltuh22232]

How old are you now??

[@gojojuice]

​@@Waltuh22232 26 and doing so much better.

[@adityabholanekar3279]

You prounouced Givenchy wrong!!!

[@zacknelson8918]

I am 30, i nevee been into the fashon, and expensive items, and following others, i am fine with cheap clothes and looking just like a normal person, and not flashing my wealth

[@TheNutButter_]

I drive a 2010 Lexus and it was cheaper than a 2010 Toyota equivalent. Great car imo

[@marksweetser6312]

I thought my playback speed got bumped up when Brian was talking about his wife's car. Had to check

[@krakken11354]

max 401k and max back door roth. want to invest more then you have to do taxable account. like what the money guys said.

[@jordanmadden7388]

Or real estate.

[@matthewholliman1399]

New Product!!!!! The Money Guy Fanny Pack!

[@drticktock4011]

Datejust....way more than that IIIIIFFFFF you can even find in an AD. Usually, even need to go gray market for any Rolex.

[@bchan6539]

I did a b service for Mercedes and just that service was 850

[@justinjohnson2657]

I'm so glad Brian also gets that upset by the repair costs at dealerships. What a ripoff...

[@guhbe385]

I really wonder what they classify as luxury. I think what most people think are BMW audi and such but it's nothing like as described unless you buy a high performance one and don't know anything about cars.

[@libertarian4323]

When we owned a BMW (my wife's car), we spent a lot of time in their repair shop. It was always a hive of activity, The rest of the dealership was quiet. We got a lot of free cookies and coffee there. I estimate each "free" cookie cost me about $1,000. We will never buy another BMW. The average repair trip for our 8-year old, low mileage BMW was more than I spent in total over the 17-years I owned my Chevy Silverado.

[@Alan-jk1yi]

From a financial standpoint, I'd classify anything that falls significantly outside their 20/3/8 rules as luxury, regardless of what the actual vehicle is. A stock Toyota corolla might be luxury to someone with a low income, but a loaded BMW might not be luxury to someone with a very high income. From a financial standpoint, I think the term "luxury" is better replaced with "affordable".

[@guhbe385]

@@Alan-jk1yi honestly I'll agree might be easier to do a rule to define luxury to you or something. I mean hell a off lease 3 series is like 35k tons of people pay more for Hondas Kia Toyotas ect. And honestly the high trims like the telluride for 55k is kinda luxury just without the badge. And have crazy big rims and breaks ect on some of them. It's all very it depends on the exact car not brand

[@Alan-jk1yi]

@@guhbe385 When ever they've been asked about what counts as "luxury" they always kind of dance around what brands fall into that category, but they always come back to the price, which from a financial standpoint, is what matters. The brand label is irrelevant, it's all about affordability, which varies widely from person to person. Leasing is kind of a different beast. Leasing breaks their 20/3/8 rule right out of the gate, since the rule assumes you'll own the car at the end of those three years. A $35k lease is not equivalent to a $35k loan; one ends with you owning a car, the other does not. So I'd argue basically ALL leasing is luxury.

[@freedomworks3976]

I love you guys and agree with you all the time but I must disagree about needing my Rolex on my rest. It’s a need not a want sorry but I think everyone has that one thing they go goofy over.

[@Alan-jk1yi]

If you're using the phrase "go goofy over" to describe it, I can't think of a more clear demonstration of a want.

[@genxx2724]

Fanny packs are hideous, and putting a status logo on them doesn’t change that. It’s the ultimate tacky tourist accessory.

[@garyf8533]

I really empathize with Bryan! I can only buy Lexus or Tesla for the luxury experience!

[@Bean_McQueen]

I would lovee to go to a dealership and watch either of the money guys be like 30$ for the air filter?! Then buys car cash.

[@abreh622]

10 days from the last live broadcast.. we are going through withdrawal…

[@michaelm.7418]

I'm waiting for when the sky turns red and Bo starts off saying how bored he is by a topic...

[@marg8315]

I’m literally gonna get a lululemon Fanny pack 😂 40-50 bucks is really not that bad if you’ve seen how much their charging at Patagonia, north face, tumi, and those luxury brands

[@xmochix604]

Yup and you can resell if you’re done and people will buy it

[@sethjackson2266]

Luxury cars used or new are a good and bad buy...it depends on the car..most..not all.. lexus will be a great buy with a mechanical lookover..regardless of age or even price..a bmw x5 is a terrible buy. Love the show..you dont know anything about cars though. E350 was best buy of your life though....better then the tesla (for now at least )

[@valeribriski5427]

I've watched this episode multiple times but I just wanted everyone to know Igloo makes a cooler fanny pack in 90s colors. Holds 3 beers or 1 beer an a sammich. Yeah, I'm the epitome of cool. Follow me for more life advice.

[@tomasr.533]

Homie banging with his gang don’t report his speedball money. So he be helpin’ to keep the numbers suppressed. You feel me?

[@awa2612]

Get a used Porsche. The brand has one of the highest reliability ratings.

[@josephburton3232]

A new Datejust at retail will cost, at minimum, $8,000.

[@xmochix604]

Yup. I prefer to buy from AD. Mine was about 15k after tax but worth it. We’re on step 8 and hope to FI/RE in 5 years at 45 years old

[@Pje3ski]

Hmm maybe I can sell the one I bought for $1200 36 years ago and am still wearing every day for more than what I paid for it. I already feel like I got my moneys worth out of it.

[@keithharris2510]

Now we know who loves luxury cars…

[@zbabyg6998]

Brian's wife definitely has a BMW LOL

[@agiuggio1]

Impressive maxing out a 401k, but under the income threshold for funding the roth ira

[@ff5973]

Actually more like $15k and up for a new Rolex.

[@Successfinder123]

I know this is a year ago but we need to get Brian those ray ban meta camera glasses and have in go to a European car dealer.

[@timprussell]

As someone who has owned a BMW 3 series for the last 9 years what rubbish car is the wife's car. I bought used, use an independent mechanic and have none of the parts issues he says. Now on the other hand a Friend had an Audi and the thing was a money pit.

[@ethanshy280]

You got lucky. Had a 2003 M3 and it was fine most of the time, but when it had issues they costed a lot! Had it for about 12k miles. Spent about $4k and the car only had 45k miles when I got it. Tires were $1k, scheduled maintenance was $1700, trunk latch was $250, piece of plastic smaller than my hand was $70, a few gas light warnings, belt, premium gas(not maintenance). Probably forgetting a few things. It gets expensive fast.

[@Asstronauts93]

If you want to buy a luxury car you're going to need a normal car as a daily driver

[@christinab9133]

❤❤

[@eleniderez860]

I'm sure I got it free somewhere 😂😂😂

[@euenfheiejrj]

Foo for you lol

[@jonathandrayton7311]

STAY AWAY FROM MLM INSURANCE WORK!!! It's all just RECRUIT! RECRUIT! RECRUIT! You'll never develop the knowledge and skills of a REAL fiduciary. You become a salesperson, not giving quality financial advice but selling financial products with outrageous fees... telling all these traumatic stories to convince people to buy or join. All you end up doing is annoying family and friends.

[@mrwormtester]

Z Cavaricci 😂