72 month term at $560/month = $40,320 includes tax, title, interest and miscellaneous. Purchased in 2023 and final payment in 2029. She was fixed on the monthly payment.
Worst way to buy anything. Oh it's only $560 a month for the rest of all eternity? Where do I sign up? Meanwhile I drive a 2007 Honda Fit which I paid $6000 cash for three years ago with 59,000 miles. Now it has 92,000 miles. PS I have seen Honda Fits with 675,000 miles on them. #1 buy the right car and #2 buy it right.
I'm not surprised, my older brother made the same deal until he calls me to co-sign for the vehicle. He was trying to buy a 2017 Toyota Corolla and they told him that his monthly payment is $495 a month for 72 months. The price of the vehicle was $20,995 and then they added Toyota Guards, Roadside assistance, GAP insurance, oil changes, tire rotation and then 23%-28% interest (can't recall because I got out of there so fast).
@@iforgotmyscreenname1 At that point I'd laugh out loud and leave.. but hey there are plenty of idiots keeping them in business who have no problem paying 40k for a 20k car with fees and interest and everything
poor woman, i feel bad. I sold cars for about a year before i was done with it. People come in upside down on cars trying to roll over to a newer car and restart 5 more years of payments. As a salesman, i used to tell people to go home, pay it off and come back get a newer car later, dont roll over. A customer complained to the manager and i was fired. That was like 15 years ago at carmax. I do not regret it, i sleep better at night. I pay cash for my cars, i have a house, chickens, grow vegetables, i live a simple life, not pay check to pay check and i couldn't be happier . I want the same for these people, i want them to wise up .
Nissan has the cvt transmission. I remember at 150k my transmission went out. I still owed 10k on it. This would set me up for a decade of financial stress because the 10k was paid off and tacked onto my new Nissan. Then I needed an suv for work so I traded the Nissan Altima in which I only had for 10 months. So that brand new depreciated Altima I think was paid off but another 10 grand was topped with that. I ended up having a 48k Nissan murano with 5% Apr. The vehicle took 8 years to pay off and two months later the cvt transmission breaks down. April of 2021 is when that Nissan took a crap and vehicle inflation started happening at that time.
@@Dizzymarvel financially , most people are infants with no guidance, doesn't mean we shouldn't feel sorrow for them. Its easy to sit on the high ground of the present and judge our past and others, it good to learn from it though. Is she does it again, then she can't be helped
She fell for it by just focusing on the monthly payment. As Dave Ramsey says "Rich people ask how much? broke people ask, how much is the monthly payment?"
Well this is ignorant, naw shit a rich person says how much, cuz they can buy it, while someone who isn't rich would wanna know payments. This isn't some rocket science from Dave Ramsey. U could have come up with that gem.
@@googleifyouseekayu the point is that broke people buy a car they can't afford because they focus on the monthly payment. Too many people buy too many cars thinking the monthly payment means they can afford it.
@@googleifyouseekayunah OP is correct, rich people care how much to own the whole item, broke bois like you pay monthly for shit for years and years and never end up owning it. Infinite money sink]. Don’t feel bad capitalism needs wasters like you for this system to thrive.
The loan amount is not 40k. The loan amount is closer to approximately 25k, and the finance charge is roughly 15k. The payoff is the remaining principal balance, NOT including future interest. Why did this guy not explain this???
Its simple why he didnt explain it. Views.... It looks better to say that she got 20k of negative equity instead of like... oh u looking at 7-8 k of negative equity
Yeah, I didn't even make it to the 3 minute mark on the video. But to be fair to him, she took out a loan she can't afford. And she can't afford it because she didn't take insurance and maintenance fees into consideration when she thought she could. Once she saw the bills, she got panic look in her eyes.
I did the math, she said they sold her the car for 22k$, 72 month loan at 18%. That comes put to total repayment of around 40k. With 15.5k$ being interest… It makes sense to me, but i know all about buying and selling of cars.
Before Covid, my neighbor with super bad credit paid over 10K in finacing, interest, BS fees on a 3 year old Ford Ranger. You name it, they tacked it on the financing. One of the things they slipped in which later turned out to be a blessing was GAP insurance. 3 months later he was T-boned and insurance paid for the value of the truck and GAP paid for for the difference. Since it showed he paid off a loan, he said his credit score went up so he got a loan cheap with no stupid add ons for a 1 year old Ranger and this time he himself insisted on the GAP insurance.
So ur neighbor didn't learn anything from his lesson. He didn't put enough down payment which is why he needed the GAP insurance on this new car - aka: he couldn't afford the car in the first place
@@ThienTran-lc1nx He had money for the down. Insurance only pays for the Value of the truck not the loan. So for example you had a $20k loan and the value of the truck is $15k. GAP will pay the difference, if you didnt have GAP, you are still responsible for the difference. At least thats how it was explained to me.
I don't disagree. I'm a product of 70s and 80s education. The closest I got to this was Home Economics in 8th grade where they made you balance a check book. Practically nobody had credit cards back then so Home Finance came down to taking a minimum wage job, factoring out income tax and then making the rest work for the next 30 days. And back then nobody questioned that this was living pay check to pay check with no emergency cushion.
@@jakefox3677 The idea that teaching interest and taxes in school would solve people making bad emotional choices is flawed. We already have classes on healthy eating, yet our schools are filled with unhealthy meals/snacks and sugary drinks. Imagine if we had high school finance classes - which bank do you think would be sponsoring them? The same ones that bombard college students with credit card applications? We know fast food, sodas and alcohol are not good for us, yet so many of us consume those items.
@@DiegoMejia86 financial knowledge would not help idiots but many would benefit, had they been given the information. But schools don’t educate people on money because it would not benefit the financial system. They need consumers, not financially literate people. Banks thrive off of debt.
She doesn't owe $40K on the car, that is the total she will have paid, after interest on the car, when it's paid off. Sounds like she owes $20-22K right now. She just has no clue. This guy has to know that.
@@micker9830 you need to pay more attention 3:05-3:30 … she already tried to refinance and if you have ever refinanced a car you know the new bank goes directly to the current lender and asks for a 10-14 day payoff. When they received the payoff it came back at $36,000. So this means what she was saying is correct. What you all don’t understand is the type of loan she signed up for is NOT a simple interest loan. She signed up for a Precomputed Interest loan. Meaning Interest is calculated upfront and spread evenly over your monthly payments. Paying more or early doesn’t reduce the principal or total amount of interest owed. It’s baked in from the jump and you have to pay the total amount.
I think you're right. Why isn't he picking up on this? You think he's giving her too much credit for understanding the difference between the payout vs. ultimate cost with interest added?
@@holdensagan pay attention… 3:05-3:30 … she already tried to refinance and if you have ever refinanced a car you know the new bank requests an official 10-15 day payoff from the current lender. So when they received the payoff it came back at $36,000 and refused to refinance the loan, so this means what she was saying is correct. What you all don’t understand is the type of loan she signed up for is NOT a simple interest loan. She signed up for a Precomputed Interest loan. Meaning Interest is calculated upfront and spread evenly over your monthly payments. Paying more or early doesn’t reduce the principal or total amount of interest owed. It’s baked in from the jump and you have to pay the total amount.
@@Mac-pluto Holy shit! Does that merely exist for people with really bad credit or is that an underhanded ploy some dealerships/banks try on naive customers?
@@holdensagan yeah tends to the offered at buy-here-pay-here dealerships for ignorant people or those with bad credit… based on how she described she purchased the car, she did not go the traditional dealership route and unknowingly got bamboozled. Extremely unfortunate for her
Have you ever heard of a travelling auto auction? Where were the adults or men in her life to protect her from situations like this? Paying double the price for a Nissan Sentra?! Not knowing the loan amount until you download an app?! You're right about new car dreams, the only people I knew who had new cars at 21 had them purchased by their parents.
I think she is confused with total repayment of 40k. I did the math 24k otd price financed over 72 months at 18% interest comes to around 550$ a month. So thats like15k$ in just interest.
She owes $20-$22K, not $40K! That is the total she will pay after interest, when the loan is paid off. This guy is just trying to make a sensational video and the woman is a financial moron.
I know. The car was sold for $22k, they gave her a high interest rate probably for being first time buyer and she's looking at the final amount to be paid if she makes every payment for 6 years. I don't even think that number matters in this scenario since what she actually owes of principal is probably closer to $20k.
When I heard the 40k was the estimated payoff, I realized eventually that it means that’s what she would pay if she paid the minimum payment through 2029 at the 18% interest rate, but really if she were able to pay the loan off all at once it means she would only have to pay the principal of 22k. Yeah she should just sell it or trade it in for something with an actually reasonable interest rate, or even better for a car that she wouldn’t need to pay any monthly payments on. Since the car is supposedly worth 16-18k, she would only have to roll over about 4-6k negative equity, not the insane 20k+.
@@chriss2241 No no no! you all need to pay attention… 3:05-3:30 … she already tried to refinance and if you have ever refinanced a car you know the new bank goes directly to the current lender and asks for a 10-14 day payoff. When they received the payoff it came back at $36,000. So this means what she was saying is correct. What you all don’t understand is the type of loan she signed up for is NOT a simple interest loan. She signed up for a Precomputed Interest loan. Meaning Interest is calculated upfront and spread evenly over your monthly payments. Paying more or early doesn’t reduce the principal or total amount of interest owed. It’s baked in from the jump and you have to pay the total amount.
No. I thought that at first. But he clearly stated that the PAY OFF was 36k. For example, my car is 560$ a month. If I paid that for 72 months it would be 40k. If I paid it off now, it would be around 28k-I plan on paying off my car in 2 years because there is no penalty. She got conned. Simple as that. I don’t know what kind of foolery those car salesmen were doing…but they found a way to make the car worth twice as much Mx
Here's something for anyone who intends to buy a car. Rule number one- go to your bank or any other bank and get your own loan that way you are told the exact rate and contract, second now you are buying a car with cash in hand ( basically) and pay off the car with your bank check and get your tittle in hand. Car paid for title in hand, and vin matches no liens on tittle you're good, and know that the seller is not going to screw you over on interest charges as they will not gandle the payment. I learned that over 20 years ago, when i first bought my new car from a dealer, got the lowest interest, and knew exactly the terms i was getting into even before i chose the car i wanted to buy. Never go to a dealer and ask for a loan there.
Her principal is 22k. Her total loan is 40k. The car worth 18k. She is upside down only 4K. What are you talking about Yusuf ? Do you even know what are you talking about ? She makes 3k a month with an auto FICO of 680. She can get a brand new car and carry over that 4K negative. You supposed to ask for her pay off amount instead of focusing on the total loan. This dude. Shut down this channel and stop confusing people please
Finally someone understands this! When I heard the 40k was the estimated payoff, I realized eventually that it means that’s what she would pay if she paid the minimum payment through 2029 at the 18% interest rate, but really if she were able to pay the loan off all at once it means she would only have to pay the principal of 22k. Yeah she should just sell it or trade it in for something with an actually reasonable interest rate, or even better for a car that she wouldn’t need to pay any monthly payments on.
So true, she said they sold her the car for around 22k, 72 months at 18%. You plug those numbers into loan calculator and it comes to what she is paying monthly of around 560. I think she confused total loan repayment calculation with buyout price.
Yusuf is looking at the loan on the screen and says the current payoff is $36k. He would know how to tell if the amount was the payoff or the total due.
@josephferrara6309 that $36k is TOTAL owed with interest.. for the sake of dramatics for his channel.. he basically lies to us.. he knows the payoff would be $22k.. or maybe $21k since she's paid $4k in payments, most going to front end interest.. at the end of the day.. negative equity is more like $7-$8k... period
What people need to realize amd i learned the hard way. Stop focusing on the monthly payment and focus on the overall cost of the car. When you go into the dealership negotiate price of the car not monthly payment
For those like me who don't math well with big numbers, you can always ask, "and how many years will it take to pay off?" Once my small number brain hears 6 years at $400 a month, it suddenly doesn't want the car. If small numbers brain doesn't get an answer, then I get my phone calculator to translate to small numbers brain.
The unfortunate result of what happens when someone doesn't understand what they're getting themselves into. If youre clueless about buying a car, take someone with you who has more knowledge. The dealer took her to the cleaner and whipped her upside the head like a sock full of pennies with that Sentra. Those dealers can sniff out your inexperience a mile away. She is young, but hopefully will learn from this.
Chalk it up, pay on it until the current market value is equal with the market price, then sell it. Don't surrender it.. Let this make you stronger moving forward. Save save save.
You're not being any smarter. Sounds cool on social media, but thinking you can get a car at $500 that actually runs, and won't drain your account with problems, is just as delusional as people who think they can afford a $40,000 car. Calculating the repairs, what you think is $500 will put you at least back several thousand. At least with a loan, there are ways to figure your totals. With $500 car, you will never know how much it really costs in repairs, etc. That's still delusion way of thinking. And you're talking to someone who just paid $23,000 cash to avoid a loan. So I don't want to hear your self righteous "you just like being ripped off." More realistic is setting aside money every month as though you do have a loan. Because you know you will need to get a new car eventually. It's not if, it's when. If you do have to get a loan, make sure you compare interest rates, get one that can be paid early with no penalty, AND pay towards the principle in case you do have to refinance.
unfortunately I don’t feel sorry for her. There is ways too many tools to help you with car values. She didn’t read what she was signing also. 700 score should get you like 5% or less loan.
When you buy your first car, there is no shame in having a parent or other experienced persons go with you and provide guidance and a rational opinion.
I see this all too often with unmarried women, or any young woman who doesn't bring a father or uncle with them to the dealer or in this case auction. Most men I see do this atleast got a good car, but this woman really got taken for a ride, for a sentra. 💀💀
It's financial knowledge - either sex has an equal aptitude for learning it if they choose to. I don't understand how people don't learn about finance and money as it's the #1 thing in this world. Learn it and you can be free, don't learn it and you will work until the day you die.
@TheRealCatof clearly nobody was suggesting that men that are this stupid direct the person in question to them. Buy a good used Honda Civic, fit or a Toyota camry or corrola and drive it until the wheels fall off. 300,000 miles or later. So many are so worried about impressing people they don't like that they buy things they can't afford.
The used car industry wants to thank you so much for their ability to continue robbing stupid people and enables them to justify ridiculous pricing systems. Thank you for using absolutely no brain work whatsoever when purchasing a used vehicle. Or new for that matter. You are the buyer that keeps this whole thing going right now. Thank you again.
I think people need to know how much you want to spend on a vehicle before you try to get what you want..do your research.never let anyone work your contract..ignorance is not an excuse be a smart buyer..
This is why it’s important to teach finance in middle/high school and college today. I learned finances from my parents thankfully, not once did they bring this topic up in school.
@@imdone1967 that's not how things work bro. There are more repost than drivers right now. Current banks are not loaning money to people that can't afford it because there isn't a guarantee that they will get it back anytime soon. Most banks are trying to keep people in their cars not get them out. Its one thing to have an 18% interests its another thing to loan more than double the value. That isn't the same as what happened in 2008 at all.
This kinda shit happens. My sister almost signed an 18k loan on a sentra with almost 100k miles. I told her not to, but she went to check the car anyway. Luckily, my dad intervened and stopped the bullshit right at the end of all paperwork. He said the salesman was pissed😂😂
NEWS FLASH: No one effed you over. You didn’t to yourself. You signed the documents. No one held a gun to your head for that insane car deal. You made your bed, now lay in it.
something is wack here - i don't think we're getting the full story. banks aren't lending $40K to a 21-yr old on a $17K car. that just doesn't make any sense.
@@jasonm5636 It is whack because she only owes $20-22K on the car, not $40K, The 40K is the total, with interest etc, that she will pay, when the loan is complete.
No. That’s what I thought at first. But the PAY OFF, like currently, is 36k. He even shows us that in the app. They conned her. Interest, even for a 21 year old, isn’t rocket science. They did something very scammy to make the car worth twice as much. I don’t know how….
25k @ 18% for 60 months is around 560 a month ( including taxes, fees, etc). So the total cost of the loan (amount borrowed plus interest) is around 40k after 60 months. Was she possibly looking at that vs. amount financed? Crazy stuff out there. Thxs for your videos, I enjoy them.
She is better off paying her car note every month until the car is paid off. $560.00 a month for a 2021 is not bad at all. Do gig work and throw it on the principal.
@@imdone1967 she is already tied to the loan. $560.00 a month for a reliable car is not the end of the world. Her real issue here is being a knowledgeable buyer moving forward.
@imdone1965 she owes it whether it's sane or not. She would be better off paying it off over term than getting a repo, assuming she can afford the payment.
I was a co-signer to an auto loan. $38k loan, vehicle value at the time was $25k. Rolled over previous loan ($12k) (damaged car traded in essentially paid the sales tax). I didn’t know what I signed up for at the time. Never be a co-signer to an auto loan.
She didn’t spend 40k on a Sentra, she just has a horribly high interest rate. If you listen to what she says her payoff is 22k. So that is the amount of the loan. Where the 40k comes in is her projected overall total payment if she only pays the monthly minimum for the life of the loan. So she would be paying an extra 18k in interest if she decides to go that route which means she got raped by the lender, not necessarily the person selling the cars.
Sorry this lady is too incompetent . How you got fooled into that deal is unreal. It’s hard to feel bad for her because of the level of laziness on her part is wild
I'm so sorry for her. Have to do your research before buying anything, especially higher priced items like vehicles. I hope she can get this situation all fixed up and be able to move on. At least she's young, she has time to recover. I hope she buys an older (maybe 2010 - 2015) Honda or Toyota, and keeps it until it no longer runs (or until she has more expendable cash to get something else).
No, she does not understand this situation. They got her a $40K loan.... And then she signed for that. Who does that? I'm sorry but her age is not the problem.
Probably bought the car for 20k Dealer added on all the extra stuff they usually do.....doc fees, destination charge, paint protection, GAP insurance, service warranty, tire protection etc Financed it for lets say 25k Rest is from interest would be my guess
Just roughly in my head, it sounds like they gave her a super high interest rate and part of the contract was that if she paid the loan off early, she would still be due all that interest out to whatever year it would’ve normally been paid off.
Just remember, the excitement of getting a new car, soon wears off, but the monthly high payments will go on for many years. Youll be much happier driving an older car that has no monthly payments.
I used to work at a bank and I would have people come in and not know a single thing about the loan terms except for the monthly payment. They told me they just signed, got the keys and left.
It's hard to feel sorry for her. She obviously didn't look at that contract at all. She just heard the bits she wanted to hear and forgot about everything else.
She believes she needs to get out of a 2021 car and will do better by buying another car from another dealer and trying to roll over her current upside down debt. This person should be driving her current car for the next 15 years.
A BRAND NEW 2024-2025 Nissan Sentra only cost around $22K-$28K fully loaded Bruh.... Taking advantage of people's ignorance like this should be *HEINOUSLY ILLEGAL.*
She got the car at the right price but the thing is this is probably her first "major" purchase along with little to know credit history. Her APR is high as hell (probably 19%) and doing the math probably has it stretched out for 6 years just to get the "lower" monthly payment. The thing is that she let them tell her anything without her double checking nor looking at her paperwork. Shorty probably just signed her life away without batting an eye
😢. Damn! I've watched a few of his videos. People are crazy! I bought a 2021 Toyota Corolla LE brand new for $17,000 out the door taxes and reg included with a $2,000 trade-in. 0% APR @$250 a month. This was before COVID hit in December 2020. During the pandemic, my car with 20,000 miles was worth $19,000+ I'm one of the lucky ones but I would never get into $400+ a month for a car. Crazy times we live in. This chick is young and will hopefully learn from her mistakes. I remember when I was 18-22yrs old, I made stupid decisions.
She’s confusing total amount paid over the course of the loan with all interested included. Sounds like her pay off was 22,000. She sounds very confused so I’m sure she read the biggest number on her paperwork not realizing that was after interest.
@@Jelliott424 when you buy a car some give you the option to get cash as well 10 or 15 thousand if you have good credit and the loan with interest will give you 40,000 debt for a 17,000 ride .
Someone lied to the bank. No way they loaned out almost 3x the value of that car. No way.
oh yeah big scam. But she may be in it.
Brother, its called NEGATIVE equity. She probably rolled over 10-15k into the new loan
@@Dan-gj1hz Did you watch the video? She says at the start that she did not rollover anything..
@curtisprieur294 is it possible she's lying?
@megatrolltrollington very possible. Not sure what she's getting out of that lie though.
72 month term at $560/month = $40,320 includes tax, title, interest and miscellaneous. Purchased in 2023 and final payment in 2029. She was fixed on the monthly payment.
Worst way to buy anything. Oh it's only $560 a month for the rest of all eternity? Where do I sign up? Meanwhile I drive a 2007 Honda Fit which I paid $6000 cash for three years ago with 59,000 miles. Now it has 92,000 miles. PS I have seen Honda Fits with 675,000 miles on them. #1 buy the right car and #2 buy it right.
@@andyspinball Just don't ever get into an accident in that thing.
I'm not surprised, my older brother made the same deal until he calls me to co-sign for the vehicle. He was trying to buy a 2017 Toyota Corolla and they told him that his monthly payment is $495 a month for 72 months. The price of the vehicle was $20,995 and then they added Toyota Guards, Roadside assistance, GAP insurance, oil changes, tire rotation and then 23%-28% interest (can't recall because I got out of there so fast).
@@iforgotmyscreenname1 At that point I'd laugh out loud and leave.. but hey there are plenty of idiots keeping them in business who have no problem paying 40k for a 20k car with fees and interest and everything
@@MarioLuigi-vb3rp She said the car was $18K plus tax, title and license, so $20K @ 22% interest is $556/month X 72 months = $40,033
That dealer saw her coming a mile away ! She basically gave them the Mazda for free 😂then overpaid for a car
Yes lol
She will never see that 3K 😂
Atleast 20 years beforehand 😂😂
She owes $22K on it. The 40K is total paid after interest, when the loan is paid off. This video is incorrect.
@@micker9830exactly.
Most people overpay for a vehicle
poor woman, i feel bad. I sold cars for about a year before i was done with it. People come in upside down on cars trying to roll over to a newer car and restart 5 more years of payments. As a salesman, i used to tell people to go home, pay it off and come back get a newer car later, dont roll over. A customer complained to the manager and i was fired. That was like 15 years ago at carmax. I do not regret it, i sleep better at night. I pay cash for my cars, i have a house, chickens, grow vegetables, i live a simple life, not pay check to pay check and i couldn't be happier . I want the same for these people, i want them to wise up .
Have a little farm isnt a simple life
@@LesWilesshut up bruh
Nissan has the cvt transmission. I remember at 150k my transmission went out. I still owed 10k on it. This would set me up for a decade of financial stress because the 10k was paid off and tacked onto my new Nissan. Then I needed an suv for work so I traded the Nissan Altima in which I only had for 10 months. So that brand new depreciated Altima I think was paid off but another 10 grand was topped with that. I ended up having a 48k Nissan murano with 5% Apr. The vehicle took 8 years to pay off and two months later the cvt transmission breaks down. April of 2021 is when that Nissan took a crap and vehicle inflation started happening at that time.
It’s her own fault, it’s part of being an adult
@@Dizzymarvel financially , most people are infants with no guidance, doesn't mean we shouldn't feel sorrow for them. Its easy to sit on the high ground of the present and judge our past and others, it good to learn from it though. Is she does it again, then she can't be helped
She fell for it by just focusing on the monthly payment. As Dave Ramsey says "Rich people ask how much? broke people ask, how much is the monthly payment?"
Well this is ignorant, naw shit a rich person says how much, cuz they can buy it, while someone who isn't rich would wanna know payments. This isn't some rocket science from Dave Ramsey. U could have come up with that gem.
@@googleifyouseekayu the point is that broke people buy a car they can't afford because they focus on the monthly payment. Too many people buy too many cars thinking the monthly payment means they can afford it.
@@googleifyouseekayunah OP is correct, rich people care how much to own the whole item, broke bois like you pay monthly for shit for years and years and never end up owning it. Infinite money sink]. Don’t feel bad capitalism needs wasters like you for this system to thrive.
@@googleifyouseekayu you aren’t understanding what Dave Ramsey means by that. Maybe you should read his book before you make a fart of a comment
@@Drew-P-Bllz something an ignornat person would say n think
The loan amount is not 40k. The loan amount is closer to approximately 25k, and the finance charge is roughly 15k. The payoff is the remaining principal balance, NOT including future interest. Why did this guy not explain this???
He’s stupid!
More importantly, why was the customer not their own best advocate.
Its simple why he didnt explain it.
Views....
It looks better to say that she got 20k of negative equity instead of like... oh u looking at 7-8 k of negative equity
Yeah, I didn't even make it to the 3 minute mark on the video. But to be fair to him, she took out a loan she can't afford. And she can't afford it because she didn't take insurance and maintenance fees into consideration when she thought she could. Once she saw the bills, she got panic look in her eyes.
It's not finance charges, which are regulated even in Florida. It's dealer fee which are not regulated in FL
She got conned
"I don't know what happened".
Lol. I mean like I just showed up and um they were like um sign this and get a car
That's what she did. Smh
Stupid happened.
typical woman behavior
She was one of those people that's just so excited to get approved for a car they'll sign whatever you put in front of them.
Who the hell spends 40k on a Sentra wtf
With 60k miles😂
@@andyleo8418 😅
Real price 8k lol
32,365 for 2024 maxed trim with every dumb option possible. I bet shes one of those "I don't need no man types"
I did the math, she said they sold her the car for 22k$, 72 month loan at 18%. That comes put to total repayment of around 40k. With 15.5k$ being interest…
It makes sense to me, but i know all about buying and selling of cars.
Before Covid, my neighbor with super bad credit paid over 10K in finacing, interest, BS fees on a 3 year old Ford Ranger. You name it, they tacked it on the financing. One of the things they slipped in which later turned out to be a blessing was GAP insurance. 3 months later he was T-boned and insurance paid for the value of the truck and GAP paid for for the difference. Since it showed he paid off a loan, he said his credit score went up so he got a loan cheap with no stupid add ons for a 1 year old Ranger and this time he himself insisted on the GAP insurance.
Exactly!
So ur neighbor didn't learn anything from his lesson. He didn't put enough down payment which is why he needed the GAP insurance on this new car - aka: he couldn't afford the car in the first place
@@ThienTran-lc1nx He had money for the down. Insurance only pays for the Value of the truck not the loan. So for example you had a $20k loan and the value of the truck is $15k. GAP will pay the difference, if you didnt have GAP, you are still responsible for the difference. At least thats how it was explained to me.
I did the math, they sold her the car for around 24k. They charged her 18% for 72 months. They are charging her 15.4k in interest.
@@ThienTran-lc1nxwhy would I put down money on a depreciation asset that I am most likely not going to keep.
No one should graduate from high school without passing a class or two in credit use and simple economics.
I don't disagree. I'm a product of 70s and 80s education. The closest I got to this was Home Economics in 8th grade where they made you balance a check book. Practically nobody had credit cards back then so Home Finance came down to taking a minimum wage job, factoring out income tax and then making the rest work for the next 30 days. And back then nobody questioned that this was living pay check to pay check with no emergency cushion.
It’s a requirement in my city
Yes, personal finance is mandated in my state too.
@@Haitian1130 Isnt that what your parents should teach you?
They deliberately want us financially stupid so these big corpos can take advantage of us. It's what they lobbied for for years...
She is allowed to vote. Scary.
These types of things that should be taught in school and they arnt
She definitely votes blue so they will "fix all her problems" that she's caused
@@jakefox3677 The idea that teaching interest and taxes in school would solve people making bad emotional choices is flawed. We already have classes on healthy eating, yet our schools are filled with unhealthy meals/snacks and sugary drinks. Imagine if we had high school finance classes - which bank do you think would be sponsoring them? The same ones that bombard college students with credit card applications? We know fast food, sodas and alcohol are not good for us, yet so many of us consume those items.
@@DiegoMejia86 financial knowledge would not help idiots but many would benefit, had they been given the information. But schools don’t educate people on money because it would not benefit the financial system. They need consumers, not financially literate people. Banks thrive off of debt.
As scary as the MAGA clowns.
She doesn't owe $40K on the car, that is the total she will have paid, after interest on the car, when it's paid off. Sounds like she owes $20-22K right now. She just has no clue. This guy has to know that.
@@micker9830 you need to pay more attention
3:05-3:30 … she already tried to refinance and if you have ever refinanced a car you know the new bank goes directly to the current lender and asks for a 10-14 day payoff. When they received the payoff it came back at $36,000. So this means what she was saying is correct.
What you all don’t understand is the type of loan she signed up for is NOT a simple interest loan.
She signed up for a Precomputed Interest loan. Meaning Interest is calculated upfront and spread evenly over your monthly payments.
Paying more or early doesn’t reduce the principal or total amount of interest owed. It’s baked in from the jump and you have to pay the total amount.
I think you're right. Why isn't he picking up on this? You think he's giving her too much credit for understanding the difference between the payout vs. ultimate cost with interest added?
@@holdensagan pay attention…
3:05-3:30 … she already tried to refinance and if you have ever refinanced a car you know the new bank requests an official 10-15 day payoff from the current lender. So when they received the payoff it came back at $36,000 and refused to refinance the loan, so this means what she was saying is correct.
What you all don’t understand is the type of loan she signed up for is NOT a simple interest loan.
She signed up for a Precomputed Interest loan. Meaning Interest is calculated upfront and spread evenly over your monthly payments.
Paying more or early doesn’t reduce the principal or total amount of interest owed. It’s baked in from the jump and you have to pay the total amount.
@@Mac-pluto Holy shit! Does that merely exist for people with really bad credit or is that an underhanded ploy some dealerships/banks try on naive customers?
@@holdensagan yeah tends to the offered at buy-here-pay-here dealerships for ignorant people or those with bad credit… based on how she described she purchased the car, she did not go the traditional dealership route and unknowingly got bamboozled. Extremely unfortunate for her
Ill tell you what happened she went in and got finessed with some slick talking and new car dreams signed on the dotted line without reading anything
She isn't telling the whole story, Yusuf needs to see those documents lol.
Have you ever heard of a travelling auto auction? Where were the adults or men in her life to protect her from situations like this? Paying double the price for a Nissan Sentra?! Not knowing the loan amount until you download an app?! You're right about new car dreams, the only people I knew who had new cars at 21 had them purchased by their parents.
I think she is confused with total repayment of 40k. I did the math 24k otd price financed over 72 months at 18% interest comes to around 550$ a month. So thats like15k$ in just interest.
@@akui88that’s exactly what it is,payoff early without interest is not 40k.
IT WAS HER CHOICE TO SIGN YOU LIBERAL!
There is no way this is the whole story.
Well, she doesn’t know what happened so we will never get the whole story unfortunately lol. 🤷🏽♂️
@@mike112079 she knows what happened, she’s just trying to hide it thinking that this will somehow improve her odds of getting a good deal.
No bank would approve that.
She owes $20-$22K, not $40K! That is the total she will pay after interest, when the loan is paid off. This guy is just trying to make a sensational video and the woman is a financial moron.
I know. The car was sold for $22k, they gave her a high interest rate probably for being first time buyer and she's looking at the final amount to be paid if she makes every payment for 6 years. I don't even think that number matters in this scenario since what she actually owes of principal is probably closer to $20k.
"They're from Florida and they came to Tampa"
hehehe Jesus!
Yep, that tells you everything you need to know about that chick.
When I heard the 40k was the estimated payoff, I realized eventually that it means that’s what she would pay if she paid the minimum payment through 2029 at the 18% interest rate, but really if she were able to pay the loan off all at once it means she would only have to pay the principal of 22k. Yeah she should just sell it or trade it in for something with an actually reasonable interest rate, or even better for a car that she wouldn’t need to pay any monthly payments on. Since the car is supposedly worth 16-18k, she would only have to roll over about 4-6k negative equity, not the insane 20k+.
This.
It was hard to understand though because she just looks at numbers and has no idea what she’s looking at. And just spews stuff.
Exactly, she is a moron and he is just trying to put out a video that sparks attention.
@@chriss2241 No no no!
you all need to pay attention…
3:05-3:30 … she already tried to refinance and if you have ever refinanced a car you know the new bank goes directly to the current lender and asks for a 10-14 day payoff. When they received the payoff it came back at $36,000. So this means what she was saying is correct.
What you all don’t understand is the type of loan she signed up for is NOT a simple interest loan.
She signed up for a Precomputed Interest loan. Meaning Interest is calculated upfront and spread evenly over your monthly payments.
Paying more or early doesn’t reduce the principal or total amount of interest owed. It’s baked in from the jump and you have to pay the total amount.
No. I thought that at first. But he clearly stated that the PAY OFF was 36k. For example, my car is 560$ a month. If I paid that for 72 months it would be 40k. If I paid it off now, it would be around 28k-I plan on paying off my car in 2 years because there is no penalty.
She got conned. Simple as that. I don’t know what kind of foolery those car salesmen were doing…but they found a way to make the car worth twice as much Mx
18% is insanity out this world 😂 it's a hellll noooo for me
Here's something for anyone who intends to buy a car. Rule number one- go to your bank or any other bank and get your own loan that way you are told the exact rate and contract, second now you are buying a car with cash in hand ( basically) and pay off the car with your bank check and get your tittle in hand. Car paid for title in hand, and vin matches no liens on tittle you're good, and know that the seller is not going to screw you over on interest charges as they will not gandle the payment. I learned that over 20 years ago, when i first bought my new car from a dealer, got the lowest interest, and knew exactly the terms i was getting into even before i chose the car i wanted to buy. Never go to a dealer and ask for a loan there.
Her principal is 22k. Her total loan is 40k. The car worth 18k. She is upside down only 4K. What are you talking about Yusuf ? Do you even know what are you talking about ? She makes 3k a month with an auto FICO of 680. She can get a brand new car and carry over that 4K negative. You supposed to ask for her pay off amount instead of focusing on the total loan. This dude. Shut down this channel and stop confusing people please
Finally someone understands this! When I heard the 40k was the estimated payoff, I realized eventually that it means that’s what she would pay if she paid the minimum payment through 2029 at the 18% interest rate, but really if she were able to pay the loan off all at once it means she would only have to pay the principal of 22k. Yeah she should just sell it or trade it in for something with an actually reasonable interest rate, or even better for a car that she wouldn’t need to pay any monthly payments on.
So true, she said they sold her the car for around 22k, 72 months at 18%. You plug those numbers into loan calculator and it comes to what she is paying monthly of around 560.
I think she confused total loan repayment calculation with buyout price.
Yusuf is looking at the loan on the screen and says the current payoff is $36k. He would know how to tell if the amount was the payoff or the total due.
@josephferrara6309 that $36k is TOTAL owed with interest.. for the sake of dramatics for his channel.. he basically lies to us.. he knows the payoff would be $22k.. or maybe $21k since she's paid $4k in payments, most going to front end interest.. at the end of the day.. negative equity is more like $7-$8k... period
lol you wrecked that dude 😂😂
$40k for Nissan Sentra? That's financial suicide. These people are utterly screwed.
This is the kind of person who will live hand to mouth for the rest of the time they are alive.
When you're raised to not take responsibility - this is how you get screwed over
What people need to realize amd i learned the hard way. Stop focusing on the monthly payment and focus on the overall cost of the car. When you go into the dealership negotiate price of the car not monthly payment
i understood this as a 17 year old grinding Halo all day the fact that people don't and are early to mid 20s is insano.
Sales comes back from the manager and be like "good news, we can lower that monthly 40 bucks", but the note is now 24 months longer.
I can't believe this is a thing. How do you just tune out the number of months you have to pay?
For those like me who don't math well with big numbers, you can always ask, "and how many years will it take to pay off?"
Once my small number brain hears 6 years at $400 a month, it suddenly doesn't want the car.
If small numbers brain doesn't get an answer, then I get my phone calculator to translate to small numbers brain.
But they dont want u to focus on the future 5 yrs out. They want u stuck on the payment.
The unfortunate result of what happens when someone doesn't understand what they're getting themselves into. If youre clueless about buying a car, take someone with you who has more knowledge. The dealer took her to the cleaner and whipped her upside the head like a sock full of pennies with that Sentra. Those dealers can sniff out your inexperience a mile away. She is young, but hopefully will learn from this.
😂
I would say it's more 20-25k if the dealer did the normal screwing over, but I still have no clue how she just agreed to 40k....
Or take the time to watch UA-cam videos about buying cars.
You can tell that she won't learn ANYTHING. The results of fatherlessness.
Chalk it up, pay on it until the current market value is equal with the market price, then sell it. Don't surrender it.. Let this make you stronger moving forward. Save save save.
Crazy how people have no idea what they’re doing.
Just paid off my 2018 sentra 3 months ago, feels great!
I used to work helping customers finance cars, in my personal experience some customers just don’t know how to use a calculator.
She could have bought a brand new one from a Nissan dealer for $20,000 with a lower interest rate.
That's why I only pay cash for cars. If all I have is $500, I'm looking for a $500 car. Car financing is risky.
💯
You're not being any smarter.
Sounds cool on social media, but thinking you can get a car at $500 that actually runs, and won't drain your account with problems, is just as delusional as people who think they can afford a $40,000 car.
Calculating the repairs, what you think is $500 will put you at least back several thousand. At least with a loan, there are ways to figure your totals. With $500 car, you will never know how much it really costs in repairs, etc.
That's still delusion way of thinking. And you're talking to someone who just paid $23,000 cash to avoid a loan. So I don't want to hear your self righteous "you just like being ripped off."
More realistic is setting aside money every month as though you do have a loan. Because you know you will need to get a new car eventually. It's not if, it's when.
If you do have to get a loan, make sure you compare interest rates, get one that can be paid early with no penalty, AND pay towards the principle in case you do have to refinance.
😂 thats bus pass money 🤷♂️😆🙏
@@Already100 yet you can find running cars for that much. I have.
@@Already100 Month long bus pass booklet for 5 months lmao. This person does not drive or has ever bought a car.
unfortunately I don’t feel sorry for her. There is ways too many tools to help you with car values. She didn’t read what she was signing also. 700 score should get you like 5% or less loan.
Interest is crazy these days. Even with the best credit people only get 7%
Give me that 5% geez I remember back in 21 you could get 3%
Who believes she actually has good credit?
@@wc1068 not that hard, I put my 19 year old daughter on my credit cards and she had over a 700 credit score.
She owes $22K on the car, not $40K. The $40K is the total she will pay with interest etc, after the loan is paid off.
The fact that she continues to say she doesn’t know how she got into this mess is diabolical
Do you even know what diabolical means?
@@Ram-dq1gq I don't.
When you buy your first car, there is no shame in having a parent or other experienced persons go with you and provide guidance and a rational opinion.
Solid advice. Bro spitting honest facts
She said she went through Capital Finance. She did not say Capital One Bank. Big difference.
They’re from Florida and they came up to Tampa.
That tells me everything I’ll ever need to know about this woman.
😂😂😂
I'm in Sales. You are very kind and understanding and help people understand where they are and it will be Okay.
I see this all too often with unmarried women, or any young woman who doesn't bring a father or uncle with them to the dealer or in this case auction. Most men I see do this atleast got a good car, but this woman really got taken for a ride, for a sentra. 💀💀
It's financial knowledge - either sex has an equal aptitude for learning it if they choose to. I don't understand how people don't learn about finance and money as it's the #1 thing in this world. Learn it and you can be free, don't learn it and you will work until the day you die.
@TheRealCatof clearly nobody was suggesting that men that are this stupid direct the person in question to them. Buy a good used Honda Civic, fit or a Toyota camry or corrola and drive it until the wheels fall off. 300,000 miles or later. So many are so worried about impressing people they don't like that they buy things they can't afford.
Thanks for getting the message out. So many scamers out there.
This car would accidentally catch on fire after it was accidentally stolen!😂😂😂
🤣🤣🤣
Too bad it was not a KIA
Facts hope she got gap 😂
😂😂😂😂
You are a very honest and helpful salesman.
She made it sound like someone else took out a loan in her name. Zero accountability.
I can't believe how nice and professional you are to all of these callers. Kudos to you!!
5:12 "buy a cash car and thug it out" best advice 😂
This the kind of girl you don't bring home to your parents.
The used car industry wants to thank you so much for their ability to continue robbing stupid people and enables them to justify ridiculous pricing systems. Thank you for using absolutely no brain work whatsoever when purchasing a used vehicle. Or new for that matter. You are the buyer that keeps this whole thing going right now. Thank you again.
You think you're immune to societal scam?
@@timothydowe Yes. Cash and Brains help.
I think people need to know how much you want to spend on a vehicle before you try to get what you want..do your research.never let anyone work your contract..ignorance is not an excuse be a smart buyer..
I am in that situation right now. We ended up getting our state attorney general office involved
No chance that will help you. You signed a contract. It's your fault and your fault only.
This is why it’s important to teach finance in middle/high school and college today. I learned finances from my parents thankfully, not once did they bring this topic up in school.
Banks take advantage of people like this and is sad af
nahhh someone lied bro. They aren't going to loan nearly 200% of the cars value. That kind of risk is stupid
@TheSonyExperience the bank has the title to the car. The bank didn't give AF...
It's 2008 all over again..
@@imdone1967 that's not how things work bro. There are more repost than drivers right now. Current banks are not loaning money to people that can't afford it because there isn't a guarantee that they will get it back anytime soon. Most banks are trying to keep people in their cars not get them out. Its one thing to have an 18% interests its another thing to loan more than double the value. That isn't the same as what happened in 2008 at all.
Bank had nothing to do with selling her that car. You sound as ignorant as she is 😂
@@TheSonyExperienceor maybe she's just so clueless that she's explaining it incorrectly
This kinda shit happens. My sister almost signed an 18k loan on a sentra with almost 100k miles. I told her not to, but she went to check the car anyway. Luckily, my dad intervened and stopped the bullshit right at the end of all paperwork. He said the salesman was pissed😂😂
Why would you agree to something you didn't understand.
NEWS FLASH: No one effed you over. You didn’t to yourself. You signed the documents. No one held a gun to your head for that insane car deal. You made your bed, now lay in it.
I laughed at this video at first but then I started feeling kinda bad for her.
Ok very cool 👍
Negative equity. They can repo, but she owes the differnce.
SHE DID NO PRICE CHECKING
You are totally correct. However, the predatory lending practices and excessive interest rates charged have to be addressed.
Some scumbag salesman took advantage of her. Banks and dealerships are criminal. Damn
something is wack here - i don't think we're getting the full story. banks aren't lending $40K to a 21-yr old on a $17K car. that just doesn't make any sense.
@@jasonm5636 It is whack because she only owes $20-22K on the car, not $40K, The 40K is the total, with interest etc, that she will pay, when the loan is complete.
Poor girl trying to better her life. Sometimes in life when you try to step up, it brings you back 5 steps.
She will pay 40k in the lifetime of payments with interest included. She is confused. Payoff should be less.
No. That’s what I thought at first. But the PAY OFF, like currently, is 36k. He even shows us that in the app. They conned her. Interest, even for a 21 year old, isn’t rocket science. They did something very scammy to make the car worth twice as much. I don’t know how….
@@jimmyramos1989they spread the interest that would’ve accrued over her monthly payments so paying it off early won’t actually do anything
25k @ 18% for 60 months is around 560 a month ( including taxes, fees, etc). So the total cost of the loan (amount borrowed plus interest) is around 40k after 60 months. Was she possibly looking at that vs. amount financed? Crazy stuff out there. Thxs for your videos, I enjoy them.
She is better off paying her car note every month until the car is paid off. $560.00 a month for a 2021 is not bad at all. Do gig work and throw it on the principal.
You're nuts...
$560 for a Sentra is insanity for a new one !
@@imdone1967 she is already tied to the loan. $560.00 a month for a reliable car is not the end of the world. Her real issue here is being a knowledgeable buyer moving forward.
560 for a car you can get for 15k is insane
Can literally by this car for 15k
@imdone1965 she owes it whether it's sane or not. She would be better off paying it off over term than getting a repo, assuming she can afford the payment.
@@doom4067 my point exactly
I was a co-signer to an auto loan. $38k loan, vehicle value at the time was $25k. Rolled over previous loan ($12k) (damaged car traded in essentially paid the sales tax).
I didn’t know what I signed up for at the time.
Never be a co-signer to an auto loan.
Dodge Cat Pack was $38,000 in 2020
Meow
Paid 36k in 2018 for a new one
@@lalomalo8052what state?
@@luckymayne4304 FL. Car was about 41k but dealer took 2.5k off sticker and Dodge was offering an additional 2.5k in rebates
I bought a 392 Challenger with 10k miles on it for $31k in 2023. Cash deal
I bought a 96 ford ranger 7 years ago for $400. Still driving it. I love watching these videos.
She didn’t spend 40k on a Sentra, she just has a horribly high interest rate. If you listen to what she says her payoff is 22k. So that is the amount of the loan. Where the 40k comes in is her projected overall total payment if she only pays the monthly minimum for the life of the loan. So she would be paying an extra 18k in interest if she decides to go that route which means she got raped by the lender, not necessarily the person selling the cars.
I don't no what happened...when I bought the car...its painful to hear her speak.
Stupid people and their money are easily separated
"A fool and his money are soon parted"
Sorry this lady is too incompetent . How you got fooled into that deal is unreal. It’s hard to feel bad for her because of the level of laziness on her part is wild
1st mistake: not paying cash for a damn car
2nd mistake: financing a Nissan
Majority of people can’t pay cash for a car unless you want a piece of shit clunker
3rd mistake: Using girl math
I'm so sorry for her. Have to do your research before buying anything, especially higher priced items like vehicles. I hope she can get this situation all fixed up and be able to move on. At least she's young, she has time to recover. I hope she buys an older (maybe 2010 - 2015) Honda or Toyota, and keeps it until it no longer runs (or until she has more expendable cash to get something else).
People need to be more carful
Sounds like her total payments are 40k not that she owes 40k. So many people don't seem to understand the difference.
Thats insane, cause i got my used 2018 nissan sentra for $17,000. My monthly payment was about $364; i got it refianced down to 274.
Dang they do be upping the price on financing
I got 14k for a versa 2021 how the hell did she get up to 22k
No, she does not understand this situation. They got her a $40K loan.... And then she signed for that. Who does that? I'm sorry but her age is not the problem.
I dont know how she didn't realize she's buying a car for 40grand and how was
Probably bought the car for 20k
Dealer added on all the extra stuff they usually do.....doc fees, destination charge, paint protection, GAP insurance, service warranty, tire protection etc
Financed it for lets say 25k
Rest is from interest would be my guess
Just roughly in my head, it sounds like they gave her a super high interest rate and part of the contract was that if she paid the loan off early, she would still be due all that interest out to whatever year it would’ve normally been paid off.
She said 18%
Go from having a car
to having no car and owing 18k after selling the car…
Just remember, the excitement of getting a new car, soon wears off, but the monthly high payments will go on for many years. Youll be much happier driving an older car that has no monthly payments.
It must be easy being a car dealer lol people are idiots.
I used to work at a bank and I would have people come in and not know a single thing about the loan terms except for the monthly payment. They told me they just signed, got the keys and left.
It's hard to feel sorry for her. She obviously didn't look at that contract at all. She just heard the bits she wanted to hear and forgot about everything else.
40k for a Sentra worth 15k
She owes $20K on it not $40K
Yusuf, great video, and great advice. I hope a lot of first time buyers pay attention.
Looks like she had negative equity trade in while paying 29% apr
She didn’t. She had a 2003 Mazda no way she was making payments
She believes she needs to get out of a 2021 car and will do better by buying another car from another dealer and trying to roll over her current upside down debt. This person should be driving her current car for the next 15 years.
A BRAND NEW 2024-2025 Nissan Sentra only cost around $22K-$28K fully loaded
Bruh.... Taking advantage of people's ignorance like this should be *HEINOUSLY ILLEGAL.*
She got the car at the right price but the thing is this is probably her first "major" purchase along with little to know credit history. Her APR is high as hell (probably 19%) and doing the math probably has it stretched out for 6 years just to get the "lower" monthly payment. The thing is that she let them tell her anything without her double checking nor looking at her paperwork. Shorty probably just signed her life away without batting an eye
The dealership should be arrested for taking a kid to town with that kind of loan
not a kid, an adult
By now, Sentra probably needs a transmission....
Does she have gap coverage?
She does and thank you❤️
@RideWithYusufb She should consider going mudding in her vehicle, it might help her situation.
Why should I feel sorry for stupid people?
Because there's a deeper issue there...
@p19shelt 🙄
No there isn't
😢. Damn! I've watched a few of his videos. People are crazy!
I bought a 2021 Toyota Corolla LE brand new for $17,000 out the door taxes and reg included with a $2,000 trade-in. 0% APR @$250 a month.
This was before COVID hit in December 2020. During the pandemic, my car with 20,000 miles was worth $19,000+
I'm one of the lucky ones but I would never get into $400+ a month for a car. Crazy times we live in.
This chick is young and will hopefully learn from her mistakes. I remember when I was 18-22yrs old, I made stupid decisions.
Wow I just bought a Sentra new for 22k
Sorry to hear that
You for scammed kid
Nissan started to put leaf blower engines in those cars
They did not scam her. She signed on a longer term length with a high interest rate. It happens when you only look at monthly payment.
How did you accept a car without knowing any of the details
No way she just took the car and didn’t do any do diligence
She’s confusing total amount paid over the course of the loan with all interested included. Sounds like her pay off was 22,000. She sounds very confused so I’m sure she read the biggest number on her paperwork not realizing that was after interest.
I agree with you 100%
Misleading title and video. $40k was the total paid after the full term in 2029. Her problem was she had 14% interest rate
How do you not know how you ended up getting charged 40,000??? Sounds like a Kamala voter.
Rick Scott sold her the car.
This comment is gold 😂
Not having someone in the family that is financially sophisticated and can give you advice is a problem.
She got cash back she lies 😮
I don’t understand what you mean
@@Jelliott424 when you buy a car some give you the option to get cash as well 10 or 15 thousand if you have good credit and the loan with interest will give you 40,000 debt for a 17,000 ride .
I looked at cars at a nissan dealer to test drive with my friend and they were asking like 37k for a sentra SV, absolute ripoff.
She voted for Joe Biden
Another reason for financial literacy to be taught in schools.