I might've goofed. Need advice.

[Blackcat]

Yup, it’s just unfortunate. Did the math and it would’ve brought my payments down about 400 per month. Lesson learned.

I'd say that's a big lesson learned. $400 a month? Jeez....

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[HeliPilot]

Not sure about the math, but I’m assuming it has to be the early June $10k drop in Braptor MSRP. right?

It would have to be a short term loan, like 24 months to drop the payment by 400. Unless there’s some super outrageous finance rate involved.

 

[masonwins]

Sorry everyone, my math was bad. I recalculated.

My current rate is $1500 for 72 months at 5% apr. With the $10k drop in the base price, estimated monthly rate came out to $1300. So $200 less, not $400.

(I put 14k down)

 

[Bikeric]

$107k for a BRaptor is just crazy.

 

[Appalachia_Ewok]

Yeah I'm not trying to throw shade in the slightest but I don't get y'all with these raptors and Wildtraks. I put 16k down on a '23 base model and just paid it off after 2 years. My whole payment was like 400 something/month and it killed me inside to pay that much. I can't imagine paying 70-100k for a Bronco that's like 15% "better" than a 36k Bronco. Granted y'all probably make 3x what I do. At least I hope you do.

 

[masonwins]

Sorry everyone, my math was bad. I recalculated.

My current rate is $1500 for 72 months at 5% apr. With the $10k drop in the base price, estimated monthly rate came out to $1300. So $200 less, not $400.

$107k for a BRaptor is just crazy.

Forgot to mention that I live in a HCOL area, California. The rate below is more accurate.

Still not much better haha.

 

[GoHawks63]

I am swallowing REAL hard at a $1500/month payment.

I hate my $400/month payment.

 

[zoober]

What is this monthly payment y'all are talking about?

 

[masonwins]

Yeah I'm not trying to throw shade in the slightest but I don't get y'all with these raptors and Wildtraks. I put 16k down on a '23 base model and just paid it off after 2 years. My whole payment was like 400 something/month and it killed me inside to pay that much. I can't imagine paying 70-100k for a Bronco that's like 15% "better" than a 36k Bronco. Granted y'all probably make 3x what I do. At least I hope you do.

I’ll be transparent. I work in Med Tech as a labeling/packaging designer and make $125k per year. I have a side business that pulls in additional income when needed, give or take $300-400 per month and sometimes more. I also serve in Army National Guard and drill every month, so that’s some extra $400-500 per month, during deployments I make more due to active + special pay. Currently don’t have many expenses, just the car payment, insurance, and phone bill really. Food and gas too I guess. Moved back home couple years ago, only covering household utilities which is about $500-$600. Don’t plan to move out unless it’s with someone special, rent out here is crazy. Day to day expenses are low, so just got alot of extra money to play with. I plan to buy a house out of state once I hit my savings goal. I’m 32 years old if that matters. Hope this gives you some context.

 

[Solfive]

Don’t beat yourself up too bad. You have a solid career and a good future it sounds like. This is certainly recoverable for you.

 

[Lowcountry Bronco]

I’ll be transparent. I work in Med Tech as a labeling/packaging designer and make $125k per year. I have a side business that pulls in additional income when needed, give or take $300-400 per month and sometimes more. I also serve in Army National Guard and drill every month, so that’s some extra $400-500 per month, during deployments I make more due to active + special pay. Currently don’t have many expenses, just the car payment, insurance, and phone bill really. Food and gas too I guess. Moved back home couple years ago, only covering household utilities which is about $500-$600. Don’t plan to move out unless it’s with someone special, rent out here is crazy. Day to day expenses are low, so just got alot of extra money to play with. I plan to buy a house out of state once I hit my savings goal. I’m 32 years old if that matters. Hope this gives you some context.

Wait, what???

You're 32, living at home, making 10k plus a month and driving a 100k Raptor with no plan of moving out because rent is too expensive ... I'm sure your parents are proud.

 

[Gene Dios]

Wait, what???

You're 32, living at home, making 10k plus a month and driving a 100k Raptor with no plan of moving out because rent is too expensive ... I'm sure your parents are proud.

He has a good job, runs a small business, and serves in the national guard. They probably are proud. If his move out plans are on his own terms, they probably enjoy having him around.

 

[Area51BS]

That’s insane. Non SAS Badlands, covered wagon top, modular bumper and 4 banger auto. $303/month. Couldn’t be happier.

 

[masonwins]

Wait, what???

You're 32, living at home, making 10k plus a month and driving a 100k Raptor with no plan of moving out because rent is too expensive ... I'm sure your parents are proud.

We have an empty home (4 bed, 3 bath), it’s just my mom, myself and my cat. It made sense to move back and throw more money into savings then pay $3k every month on rent.

 

[BUCKYBRONCO2021]

Personally i would go in and speak with them. Face to face conversations have a way of getting a little more traction. Worst they can say is no. Then regardless, go grab a cheeseburger on your way home and find a nice spot and enjoy it. hope it works out.


As far as your personal life stuff (pay, living arrangements etc) thats your business. Do you. If you can squirrel away a few sheckles then do that. Thank you for your service, and enjoy your ride.

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