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Pure F’n insanity

RedX said:
I know I may be older-ish....but I simply can't wrap my brain around that kinda car payment. :eek:
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i used to be that way. but in the last 10 years i got over it. hell i pay 1200 a month on a stx xl half ton. that would have been insane to me 10 years ago.
 
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Steve300xcw said:
Said it didnt matter as he was going to trade it in before it was paid off.
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2big bronco said:
There are still new $50k diesel trucks out there, you just have to look for them. But they don't have moon roofs, ostrich ball sack leather, or arms that reach out from under the seat to jack you off.
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This right here... All the extra shit you don't need or want plus all the extra tech that is being forced down our throat by the government in the name of fuel economy and safety. I love my wife's Raptor, but it doesn't need an electric tail gate, cross lane detection, adaptive cruise, auto steer, etc... I turn all that shit off (that i'm paying for) everytime I drive it.

Out of curiosity, I went online and built a 2023 Ram 3500 optioned as close as I could to my 2016 that I paid $63k for out the door. $96k!!!!!!!!!!!! And that is with less options than my 2016 has. Glad mine is paid for and only has 50k miles on it as I will never buy another one... I may have the first LS swapped 4th Gen Dodge before I bought another...

Edit: It utterly disgusted me to pay what we did for that Raptor, but I felt like I was at least getting something more for my money vs buying a Tahoe or something like that. Wife loved her Grand Cherokee (that I now drive) so I thought we would just buy another one of those. She wanted something bigger. We test drove everything from Lexus to Toyota 4 runners to Cadillac Escalades. 2022 Chevy Tahoe with 21k miles on it. We drove it, it was "ok" but I liked it because i knew I could fix/replace anything i needed to on it. They wanted $80k. Would not budge on price. I asked the salesman what exactly makes this worth $80k vs a 2010? Still a bunch of cheap ass plastic, still an LS, still probably a 10 bolt. Where is supposed extra value? No thank you... I paid less for a 2023 Raptor with 3k miles, tinted windows, ceramic coating, tri fold hard cover, etc. than that Tahoe. I just had to peel all the stupid graphics off it.
 
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I have a 2015 Ram 2500 SLT with a Cummins. I just built a Bighorn on Ram's website and it was $64. mine is pretty plain jane. about the only thing it has extra over base model is the 8.4" screen vs the little 5" stereo screen. and the diesel engine..

It would be a tough pill to swallow to pay that much for my truck but no way in hell i can swing $100k for a loaded out one. I don't need that shit anyway.. I like power windows, and tow mirrors.. So nice being able to move the mirrors around when backing trailers into tight places. adjust the mirror down so i can look right at the trailer tires. :smokin:
 
Wades_76_cj7 said:
I have a 2015 Ram 2500 SLT with a Cummins. I just built a Bighorn on Ram's website and it was $64. mine is pretty plain jane. about the only thing it has extra over base model is the 8.4" screen vs the little 5" stereo screen. and the diesel engine..

It would be a tough pill to swallow to pay that much for my truck but no way in hell i can swing $100k for a loaded out one. I don't need that shit anyway.. I like power windows, and tow mirrors.. So nice being able to move the mirrors around when backing trailers into tight places. adjust the mirror down so i can look right at the trailer tires. :smokin:
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Biggest mistake is the kid bought a Ford.
 
Vehicles in general are a black hole but wondering where that balance point is at. I went through this years ago.

In 2012, bought a '04 Ram 2500 with the 5.9 that had 100k. Bought it to pull my toy hauler. I bought it for 18k...crazy to think of that price today. But it was also expensive for me at the time as an active duty E-5. I sold it in 2020 with 199k on it and I had to put some love into it - typical Dodge ball joints, brakes, etc, but nothing crazy.

Towards 2018/19/2020, it was starting to get long in the tooth. Adjusted the bands in the 48RE but the signs of needing a rebuild were in the future. A/C didn't work at low speeds (needed charged, had a leak). Hated, hated that transmission for towing. 4 speeds was not enough. Was going to need a paint job. Do I put 10k (paint/transmission/AC) into a paid for truck or go full retard and buy a new-to-me truck? Obviously 10k was too much to spend, so instead I spent $44k on a 2016 with the 6.7 that had 9k miles on it :laughing::homer: On the plus side, I literally sold my old truck for what I paid for it. So my out of pocket costs was the interest paid on that loan plus maintenance items during ownership.

I'm just under a year out from having THAT one paid for, but it's been on strict towing only duty and garage kept, so it's at 45k on the odometer and kept clean and literally only sees the sun on the weekends I pull the trailer.

I suppose eventually my 2016 will have the same fate as my 2004, so I reckon the best I can do is prolong that time as long as possible? At only putting 6-8k miles on it a year, maybe by the time I need to buy another truck, they'll be $250,000 :laughing::barf::barf::barf:
 
Otto M@n said:
Towards 2018/19/2020, it was starting to get long in the tooth. Adjusted the bands in the 48RE but the signs of needing a rebuild were in the future.
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Doesn't the manual for the 48RE say you're supposed to adjust the bands and change the fluid every 20k miles or something ridiculous that nobody ever did?
 
Projectjunkie said:
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I'm thinking about getting one of these, I have a set of new 37s in the connex, wheels and a leveling kit and rock out. Keep a beater toyota to keep the miles off of it
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Good luck to you. Ive worked 6 passenger and one commercial cummins 6.7 "spontaneous" fires in the past year. You couldnt give me a fiat cummins vehicle.
 
With interest rates saying as high as they are (with no end in sight) the effects of 7% rates for everything are finally starting to trickle down to the consumer. The RV industry is getting hit HARD. Couple we met this weekend scored a 2024 tricked out two axle fifth wheel crawler hauler for $60k out the door which had an original MSRP of $98k.

Dealers, particularly RV dealers, are sweating really fucking hard to get leftover 2024 models out the door before the 2025 models hit the floor. Supposedly the used market is taking a huge hit as well, both passenger vehicles and RVs.

If you got some cash, or a line on a low APR line of credit, this is the time to pick up something cheap.
 
That guy is never going to get layed, he will be 30 living with mom and dad. At his age I was married and had bought a house, granted it was a shitty house and I drove a POS paid for truck but it was a start.
 
gunracer1 said:
i used to be that way. but in the last 10 years i got over it. hell i pay 1200 a month on a stx xl half ton. that would have been insane to me 10 years ago.
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Again... it's because we (well ... y'all) normalized that shit that the market shot up in the manner it did.

When the market didn't get any reasonable push back on the high monthlies & long durations, the market does what the market does and pushes it up until it finds the edge.

Quit your braggin, it's what got us here.

Edit:
Credit both built and destroyed this country.
Edit: Edit:
Maybe :confused: it's Commercial Debt built this country, and Consumer Debt destroyed it :confused:
Hmmm...
I guess it would be taught in the financial literacy class or thrashed out in it's own thread.
 
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