who's delivering pizzas!?

[Dave-ROR]

Originally Posted by justaquestion

Um, no.. We have so many people deeply in debt in this country because the economy crashed as well as the job market. There is an accepted difference between being in debt, and financing something. Our economy will never touch what is was in the late 80s/90s but guess what? People still financed then.

If you choose to work 2 jobs in order to afford a specific lifestyle, how is that living beyond ones means?

Not to mention you don't know anything about this guy, his financial status, or anything else.

Many people were in massive debt well before the job market/economic collapse. I know no one who was not in debt before the collapse are are in debt now. Everyone I know who has debt (which I don't include installment accounts in so much) was in debt well before the collapse as well.

If you choose to work two jobs, that's fine, if you HAVE to get a second job to pay your car note then you WERE living beyond your means.

There's no need to take Rampage's post out of context which was simply if you are forced to get another job because you realized that you couldn't afford the car then you shouldn't have purchased the car.

[Dave-ROR]

Originally Posted by Camotec

Not only that but people have to support their families etc. especially if they are a single income family. If someone wants to work 2 jobs so they can have a nice car i say there should be more like them. I also fail to see how that relates to financial irresponsibility.

If things were that tight for me I'd be driving a 90s accord (or whatever) instead of having a $400/month car payment. Family and other financial responsibilities come so far before owning an FRS/BRZ it's not even close.

I'm all for people working for what they want though.

[Dave-ROR]

Originally Posted by Draco-REX

On both sides of the argument:

There's a difference between being able to AFFORD a car, and being able to make the payments. Those who just make the payments either end up with an ill-maintained junker after a while, or something happens and they can't make the payments and the car is repo'd and they end up in debt.

On the flipside of that, it is perfectly financially responsible to work multiple jobs to afford the things you want. It is irresponsible to use credit cards and other forms of delayed payment to "afford" what you want.

There are varying degrees to this argument.

Agree 100% with this.

[Snoopyalien24]

Originally Posted by Dave-ROR

If things were that tight for me I'd be driving a 90s accord (or whatever) instead of having a $400/month car payment. Family and other financial responsibilities come so far before owning an FRS/BRZ it's not even close.

I'm all for people working for what they want though.

Sorry for thread jacking but whoa whoa whoaaaaa!

Dave MR Raised On Rice has an avatar pic D:

As the great Keanu Reeves would say, "Whoa"

[Rampage]

Originally Posted by Dave-ROR

There's no need to take Rampage's post out of context which was simply if you are forced to get another job because you realized that you couldn't afford the car then you shouldn't have purchased the car.

Exactly my point. People are buying the car now. Well, since June. The financial crisis of 2006-2010 has already happened. It is not catching anyone by surprise now. If you are in bad shape financially then you should not spend 25K on a car.

I raised 4 kids. I gave them money for their first car. A used one. I am there to bail them out when things get too bad but I expect them to make it on their own. They will appreciate the things the have much more if they earn it. I advise them on fiscal restraint and living within their means.

If someone WANTS to work a second job to fill their time then I stand corrected. If someone HAS to work a second job to pay for their new sports car then they should not have bought the car. If your mom is paying your rent but you have a fancy car then shame on you.

[Dave-ROR]

Originally Posted by justaquestion

There is no difference between working 2 jobs and working 1 job. Its YOUR income no matter which way you look at it. Someone working 1 job, at 40 hours a week making 80k a year, is no different than someone working 2 jobs, at 40 hours a week each, making 40k a year each. Their incomes are both 80k a year.

What your saying is that the guy working 2 jobs, cant live the same lifestyle as the guy working 1 job, because he needs both his jobs in order to do so? So 40 hour a week guy can live within the means of 80k a year, but 80 hour a week guy has to live within 40k a year or else hes living beyond his means?

Again, you are missing Rampage's point. I commend people for working two jobs if they want to!

However, this is the timeline that Rampage was referring to:
1. Person works one job.
2. Person buys BRZ without really analyzing whether or not they can truely AFFORD the car.
3. Person realizes they can't and rushes to find a second job because they were living beyond their means.

Your scenario (which I have absolutely no problem with) is:
1. Person works two jobs to afford what they want.
2. Person buys what they want because they know they can afford it.

See the difference?

I'm done with this topic since I'm not sure you'll ever understand what Rampage's actual point was in the first place.

[feedbag]

For the love of god can someone post a picture of their car with a pizza thing on it so this shitty derail can end?

[Dave-ROR]

Originally Posted by feedbag

For the love of god can someone post a picture of their car with a pizza thing on it so this shitty derail can end?

LOL since as far as we know no one is actually delivering pizzas in their BRZ I think you'll be waiting.

Maybe I can go visit papa johns and borrow a sign :P

[Rampage]

Originally Posted by justaquestion

There is no difference between working 2 jobs and working 1 job. Its YOUR income no matter which way you look at it. Someone working 1 job, at 40 hours a week making 80k a year, is no different than someone working 2 jobs, at 40 hours a week each, making 40k a year each. Their incomes are both 80k a year.

What your saying is that the guy working 2 jobs, cant live the same lifestyle as the guy working 1 job, because he needs both his jobs in order to do so? So 40 hour a week guy can live within the means of 80k a year, but 80 hour a week guy has to live within 40k a year or else hes living beyond his means?

You know what? I agree with you. You are right. But at some time in our life you will discover that time is more important than money. Time is the one thing that you can not buy, beg, borrow or steal one more minute of than what is allotted to you. Take it from a guy who survived cancer. Cherish every minute you have and spend ever minute wisely.

Shiny things are not worth sacrificing your life for.

I will get off my soapbox now and shut up.

[engee]

It's threads like these that make me happy that our economy isn't further down the toilet than it should be.

[earthsscum]

Originally Posted by feedbag

For the love of god can someone post a picture of their car with a pizza thing on it so this shitty derail can end?

this guy took the words from me!

i'll give my .02 though

by NO means did I mean this thread to insult anyone delivering pizzas, I assume by having this car you are financially responsible and that its simply extra income and busy work...

unless.... you own a pizza joint AND deliver pizzas then more power to you:happy0180:

[Skyhound]

Originally Posted by Rampage

If your mom is paying your rent but you have a fancy car then shame on you.

Why shame on them? Rent is expensive and if you're saving money by living with your parents then the money that would have gone towards rent can go towards a fancy car. Otherwise, why would you get a job in the first place? My childhood friends and I have been saving up money since we were children to buy our first cars. We all bought sports cars or cars that we heavily modified and insured them ourselves without any help from our parents. We were responsible with them and took very good care of them. Only one of us got a ticket for a loud muffler which he promptly put a silencer on after learning it was against the law. We had nicer cars than our teachers, is that really so bad?

Also what about people who knows it would take a second job to afford an FR-S/BRZ and openly accept that and get a second job? I don't see that as financially irresponsible, but playing with the hand your dealt. It only becomes irresponsible if your family is starving or your about to be evicted.

[WRXGuy1]

I actually drove my '09 WRX when I was delivering pizza, and I debated going back to work there as a second job delivering in my BRZ, haha

[engee]

Originally Posted by Skyhound

Also what about people who knows it would take a second job to afford an FR-S/BRZ and openly accept that and get a second job? I don't see that as financially irresponsible, but playing with the hand your dealt. It only becomes irresponsible if your family is starving or your about to be evicted.

Maybe it's just me, but the fact that you know you have to get a second job in order to afford something, should be a big factor telling you that it might not be the best idea.

Playing with the hand that you are dealt would be managing what your current income is and finding things that would fit that income. Saying to yourself that you can afford something if you do XYZ to do so is how the mortgage backed security fiasco started. People thought they could afford million dollar homes with an annual salary of $40,000 thinking that times will always be good. Yes, some banks are to blame because they gave out the loans. However, the people that took the loans should use some common sense too.

Regardless, I digress but there are so many other things to consider:
-lose one job, goodbye car
-work over 40 hour weeks, goodbye health
-use all your money on car, goodbye social life and other activities

The list can go on and on...

Now the smart thing to do is to save up and buy the car at later date. That is the fiscally responsible move.

At the end of the day, it's still the individual's decision but my opinion is that taking a second job just to afford a car is just a dumb decision.

Now back on topic,