06-20-2023, 08:53 PM | #23 |
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I've got my main sorcerer at 47 (non hardcore) and then a 35 Necromancer, 30 Barbarian, and 30 Sorcerer all on Hardcore mode. If you're moderately decent at gaming in general you can bump the world tier up to level 2 and still be fine but gain far more XP for leveling.
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The single biggest problem in communication is the illusion that it has taken place. Wheel horsepower is just crank horsepower after taxes. IG: EmFore_650 |
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06-20-2023, 08:57 PM | #24 |
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It's America everybody buys thing they can't afford.
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06-20-2023, 08:59 PM | #26 |
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06-20-2023, 09:14 PM | #28 |
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A bank approval is all you need, right? Let’s get that credit app…!!!
J/K, this is a very loaded question and depends on expenses, not just salary. |
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06-20-2023, 09:37 PM | #29 |
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+1 to this.
I bought my first new car when it literally cost 2x my gross salary. Still was able to make it work, though I didn't really have anything left over for saving and investing, which I regret now. I bought my M4 and it cost < 50% of my gross now. I'd imagine for others here it ranges from 20% - 60$ so I'm probably smack dab in the middle of the range.
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Ego is the anesthesia that deadens the pain of stupidity.
The single biggest problem in communication is the illusion that it has taken place. Wheel horsepower is just crank horsepower after taxes. IG: EmFore_650 |
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06-20-2023, 10:04 PM | #31 |
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Do the math (and this is relative to where people live and their 'lifestyle,' I suppose):
Salary (or other source of income) - 401K plan (if participating) - health insurance (unless free) - Mortgage (unless you rent, then, rent) - Electric - Water - Cable/Internet, Food/Groceries - Entertainment - Cash Savings (if at all possible (might yield 3-5% Interest)) - Investments (IRA/Roth IRA, Etc.) - Yard Maintenance (if any) - Car Insurance - Gas - Car Payment(s) (if M3 will be the sole car, then remove from equation till later) - everything else (gym/club memberships, tv subscriptions, cigars, etc.). What you're left with is $X.00 per month (usually 2 pay cycles 15th/30th or Biweekly (2 months in a year with 3 checks)). If 'X' is equal to (or greater than) the M3 payment (depending on M3 MSRP + how much you can put down + taxes + dealer fees - trade (if any (if none, taxes will be higher)), you can afford it. If X is not, then don't cut corners to afford it. Just word to the wise, as it is a depreciating liability. Last edited by mcsquared; 06-21-2023 at 09:16 AM.. |
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06-20-2023, 10:59 PM | #32 |
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to steal a quote from someone smarter:
"The only reason a great many American families don't own an elephant is that they have never been offered an elephant for a dollar down and easy weekly payments." (Alfred E. Newman) |
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06-20-2023, 11:29 PM | #33 |
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If you are asking, probably too much
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06-20-2023, 11:55 PM | #34 |
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06-21-2023, 12:21 AM | #35 |
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You can spend between 10-35% of your annual income on a car according to this:
https://www.moneyunder30.com/how-muc...can-you-afford I like the 10% rule as it includes more scenarios. Basically you should only spend 10% of your monthly gross on transportation including maintenance, fuel, insurance, etc. https://www.capitalone.com/cars/lear...ar-buying/1532
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06-21-2023, 06:57 AM | #37 |
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06-21-2023, 07:51 AM | #39 |
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Just have your Dad pay for it.
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06-21-2023, 07:55 AM | #40 | |
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Quote:
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06-21-2023, 08:09 AM | #41 |
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Does living in parent's basement get counted?
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06-21-2023, 08:19 AM | #42 |
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06-21-2023, 09:23 AM | #44 |
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Well. Let’s see. M4 costs around 200 grand in my country. Plus, Have to pay 5 grand a year for the insurance and another 5 grand for the car’s tax yearly. Don’t forget the poor gas milage, too. So, you have to be at least a manager/restaurant owner/have rich parents/inheritance…something like that
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