Ty21 Posted May 21, 2019 Share Posted May 21, 2019 Just now, ramssuperbowl99 said: No car payment and you still have some cash left over? All of the footballs dude. The average American takes out $30k in debt to buy a car. They might be nicer than yours, but they don't own them. Well if we ignore my terrible credit score from my medical history :lol:, I still wouldn’t ever want to take out a loan on a car, something that instantly loses value and continues to lose value until you decide you don’t want it anymore. I’m gonna drive used cars my whole life. At least til that pesky powerball rolls my way. 2 Link to comment Share on other sites More sharing options...
ramssuperbowl99 Posted May 21, 2019 Share Posted May 21, 2019 Just now, Tyty said: Well if we ignore my terrible credit score from my medical history :lol:, I still wouldn’t ever want to take out a loan on a car, something that instantly loses value and continues to lose value until you decide you don’t want it anymore. I’m gonna drive used cars my whole life. At least til that pesky powerball rolls my way. Your credit score doesn't matter at all unless you want to buy a house. If you do, get a small credit card, use it for Netflix or whatever recurring bill you have, pay it off every month and that's it to build history. Otherwise, it does not matter at all. Take the compliment man. If you have savings and no car payment, you're ahead of a lot of Americans. 4 Link to comment Share on other sites More sharing options...
D82 Posted May 21, 2019 Share Posted May 21, 2019 37 minutes ago, ramssuperbowl99 said: Your credit score doesn't matter at all unless you want to buy a house. If you do, get a small credit card, use it for Netflix or whatever recurring bill you have, pay it off every month and that's it to build history. Otherwise, it does not matter at all. Take the compliment man. If you have savings and no car payment, you're ahead of a lot of Americans. It matters a lot. People with lower credit scores pay more for just about everything. Link to comment Share on other sites More sharing options...
MWil23 Posted May 21, 2019 Share Posted May 21, 2019 Just now, D82 said: It matters a lot. People with lower credit scores pay more for just about everything. Only if he: *Wants to buy a house *Wants to buy a car *Wants to open up a credit card and stupidly doesn't pay it off every month, racking up a lot of debt/raising his interest rate *Wants to purchase something else he has to finance He's not paying more day to day than anyone else. 1 Link to comment Share on other sites More sharing options...
ramssuperbowl99 Posted May 21, 2019 Share Posted May 21, 2019 4 minutes ago, MWil23 said: Only if he: *Wants to buy a house *Wants to buy a car *Wants to open up a credit card and stupidly doesn't pay it off every month, racking up a lot of debt/raising his interest rate *Wants to purchase something else he has to finance He's not paying more day to day than anyone else. Or if he has any debt. The idea that credit scores matter is predicated on needing to finance things to live on. @Tyty is crushing it by getting out of that cycle. I won't want to say credit scores don't matter, unfortunately for a lot of/most Americans, they really do. Tyty just isn't one of those Americans. 2 Link to comment Share on other sites More sharing options...
Ty21 Posted May 21, 2019 Share Posted May 21, 2019 10 minutes ago, ramssuperbowl99 said: Or if he has any debt. The idea that credit scores matter is predicated on needing to finance things to live on. @Tyty is crushing it by getting out of that cycle. I won't want to say credit scores don't matter, unfortunately for a lot of/most Americans, they really do. Tyty just isn't one of those Americans. So if I’m seeking to destroy the wheel, does that mean I’m about to get stabbed by the person I love the most? Link to comment Share on other sites More sharing options...
ramssuperbowl99 Posted May 21, 2019 Share Posted May 21, 2019 11 minutes ago, Tyty said: So if I’m seeking to destroy the wheel, does that mean I’m about to get stabbed by the person I love the most? "What killed him?" "A shadow, Your Grace. A shadow with a mouth that told him he once had leukemia." 1 Link to comment Share on other sites More sharing options...
ET80 Posted May 21, 2019 Share Posted May 21, 2019 31 minutes ago, Tyty said: So if I’m seeking to destroy the wheel, does that mean I’m about to get stabbed by the person I love the most? Your son could shoot you with a crossbow while you're on the can. Link to comment Share on other sites More sharing options...
ramssuperbowl99 Posted May 21, 2019 Share Posted May 21, 2019 40 minutes ago, ET80 said: Your son could shoot you with a crossbow while you're on the can. When @Tyty sees the Moon Door: 1 Link to comment Share on other sites More sharing options...
Dome Posted May 21, 2019 Share Posted May 21, 2019 2 hours ago, Tyty said: Just bought a 2009 Dodge Avenger yesterday. Nicest car I’ve ever had (although it pales compared to every single one of y’alls cars probably). My savings went from $5300 to $700 so I’m kinda stressed but happy about having a car Nice. I've always liked the look of them. It's like a broke *** Charger, but it gets a **** ton of points for being a try hard. No car payment is great. You'll get that savings back in no time. 2 Link to comment Share on other sites More sharing options...
ET80 Posted May 21, 2019 Share Posted May 21, 2019 4 minutes ago, ramssuperbowl99 said: When @Tyty sees the Moon Door: I feel this is more accurate. 2 Link to comment Share on other sites More sharing options...
Dome Posted May 21, 2019 Share Posted May 21, 2019 2 hours ago, Tyty said: Well if we ignore my terrible credit score from my medical history :lol:, I still wouldn’t ever want to take out a loan on a car, something that instantly loses value and continues to lose value until you decide you don’t want it anymore. I’m gonna drive used cars my whole life. At least til that pesky powerball rolls my way. I look for 1 owner cars on craigslist when I'm car shopping. Pretty easy to tell on first inspection what kind of an owner they were, they either have no maintenance records or all of them. Never bought a bad car this way. Link to comment Share on other sites More sharing options...
LETSGOBROWNIES Posted May 21, 2019 Share Posted May 21, 2019 Look @Tyty becoming a responsibleish adult right in front of our eyes. Well done man. 2 Link to comment Share on other sites More sharing options...
LETSGOBROWNIES Posted May 21, 2019 Share Posted May 21, 2019 1 hour ago, ramssuperbowl99 said: Or if he has any debt. The idea that credit scores matter is predicated on needing to finance things to live on. @Tyty is crushing it by getting out of that cycle. I won't want to say credit scores don't matter, unfortunately for a lot of/most Americans, they really do. Tyty just isn't one of those Americans. Not yet anyway, but he likely will be. Good credit is important and not a quick thing to fix/build. Every adult should be trying to build and maintain a solid credit score. 2 Link to comment Share on other sites More sharing options...
ramssuperbowl99 Posted May 21, 2019 Share Posted May 21, 2019 10 minutes ago, LETSGOBROWNIES said: Not yet anyway, but he likely will be. Good credit is important and not a quick thing to fix/build. Every adult should be trying to build and maintain a solid credit score. I think we're in agreement here. Good credit is something that isn't important for tyty now, but may be down the road, and it would be easy for him to start building that history. 1 Link to comment Share on other sites More sharing options...
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