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PROLE TELL: A car loan after age 30
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Date: July 16th, 2026 5:13 PM Author: Azure bossy garrison Before 30 it's understandable if you're not making much money and you haven't yet wisened up to the automobile scam.
After 30 it's a total prole tell. It's even worse when proles double down and say, "I'm getting higher returns on my investments!" Ljl, no you're not. Stop lying, you don't have investments. The stats on "investments" are abysmal, most of you are poor as fuck. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004588) |
Date: July 16th, 2026 5:17 PM Author: gunneratttt (gunneratttt) I have plenty of money and have a car loan because I get better return on investments. It's the same reason I don't prepay my mortgage.
If someone buys a car and the dealer is offering financing incentives it's stupid not to take advantage of it. I would borrow an infinite amount of money at 0.9%. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004607) |
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Date: July 16th, 2026 5:21 PM Author: Azure bossy garrison Huge prole tell. Most people are not investing anywhere near the residual money leftover.
The other part of this that makes it a prole tell is you should have wisened up to the automobile scam by now. Just buy a used car in cash if you can't afford a new one. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004614) |
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Date: July 16th, 2026 5:45 PM Author: gunneratttt (gunneratttt) Do you sense ant irony in accusing people with car loans of being poor while also buying used to save a couple bucks?
To even be considered UMC your car is gonna be an insignificant expenditure. No non-loser has to have a car loan after 40. But I take on as much ultra low interest rate debt as I can. I assure you that UHMW people do same. In fact anyone that knows how to manage money would be aghast at turning down ultra low interest loans for anything. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004682) |
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Date: July 16th, 2026 6:11 PM Author: Azure bossy garrison Flame. There is no irony. The wealthiest people are driving Toyotas and Lexuses. Buying a car you can't afford to pay with cash is hoodrat behavior.
Has nothing to do with "taking on as much low interest debt as you can," but rather with the purpose of a car and the depreciating nature of the asset. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004756) |
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Date: July 16th, 2026 6:14 PM Author: Primrose base indirect expression you're just wrong. all your debt finances all your assets. thinking your car debt is specifically about your car is a huge prole tell (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004771) |
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Date: July 16th, 2026 6:20 PM Author: Richard Ames I am a true JDM Masterman and buy my cars in cash. But in reality the “most wealthy people buy Toyotas and lexuses” line that Ramsey rolls with is a bit misleading. Most wealthy people are older and not super liquid. Younger higher earners absolutely buy German cars and often have loans.
Also, with a trade-in and a low enough rate (still possible in a new car purchase using captive OEM financing), it’s possible to get a low ass monthly payment without being underwater on the value of the car. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004788) |
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Date: July 16th, 2026 6:21 PM Author: gunneratttt (gunneratttt) The depreciating nature of the asset backing a loan has almost no relevance, if anything a rational borrower would prefer to secure loans through assets that depreciate.
You've already conceded that it's the best move financially. I can tell you from experience that UHNW are very likely to take advantage of low interest loans. These people often became wealthy because of financial acumen and it becomes second nature for them. Which is why Ackman instinctively used a coupon code for a Karlstack subscription. Everyone ITT disagrees with you. If you're not prepared to accept this after all that then we're at an impasse. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004792) |
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Date: July 16th, 2026 10:32 PM Author: Azure bossy garrison You're still confusing "can" with "should"
A non-prole after 30 knows a car, and especially a car with a loan, is a stupid purchase. The obvious way to deal with a stupid purchase is to either a) minimize the cost or b) purchase it within your means and not prolong the misery of paying for a stupid purchase over many years. You seem to have a hard time understanding this even though you drive an entry-level Tesla
"Everyone ITT disagrees with you. If you're not prepared to accept this after all that then we're at an impasse."
Consensus is not evidence, it's irrelevant to me (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50005373) |
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Date: July 16th, 2026 10:49 PM Author: gunneratttt (gunneratttt) I'm not only relying on consensus dude, I listed multiple things. It's objectively a better financial option if you can secure a below market rate, which is a common incentive. And I'm telling you UHNW do this all the time, so I know it's not something "all non proles know." It's the exact opposite actually.
If you want to dismiss my anecdotal evidence and the consensus, theb just consider the math. It's simple rate arbitrage. If someone was purchasing a car for $50k and the dealer offered him 0% 5 year financing, that $50k would grow to $90k after 5 years at 12% avg S&P annual returns.
If a multi-millionaire who could easily afford $50k out of pocket was in that scenario, don't you agree he would be better off financing it? (Please, please don't do a retarded hypo fight and say "But he could buy a cheaper car.") (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50005438) |
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Date: July 17th, 2026 1:48 PM Author: Azure bossy garrison You're still confusing can and should. Better financial option via a rate arbitrage is not the earth shattering concept you think it is my dude.
Your car should be so cheap relative to your net worth after age 30 that it's worth paying in cash to avoid the administrative complexity of financing altogether. And there are plenty of rich proles, I don't think that's a convincing counterpoint that rich proles finance. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006647) |
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Date: July 16th, 2026 10:56 PM Author: Primrose base indirect expression what you're not understanding (because you're a prole) is that you're not paying for the car over many years. you pay for the car up front, at the time you incur the loan (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50005456) |
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Date: July 17th, 2026 1:50 PM Author: Azure bossy garrison Stupid distinction without a difference. You really have proven yourself to be a moron in this thread. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006652) |
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Date: July 17th, 2026 2:02 PM Author: Primrose base indirect expression nope. you have a grievously prole understanding of finance. here's what you need to do. accept that i'm right and you are utterly stupid and wrong. study what i say until you understand it. use an llm to help you if needed. maybe then you will gain wisdom (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006674) |
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Date: July 17th, 2026 2:07 PM Author: Azure bossy garrison lmao, u mad (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006686) |
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Date: July 17th, 2026 2:14 PM Author: Primrose base indirect expression no, i'm trying to help you. why do you argue disingenuously, constantly changing the subject, always trying to wriggle your way out of the implications of your words? you come across as a deeply dishonest person tbh (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006696) |
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Date: July 17th, 2026 1:53 PM Author: Buck-toothed famous landscape painting (Good goy avoiding yield maintenance fee) (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006660) |
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Date: July 16th, 2026 5:18 PM Author: Beady-eyed center trust fund Lol you’re innumerate. I don’t have a car loan ATM, but I had a 5-year one when I last bought in 2020 that I paid off as slowly as possible.
2.5%. If you can’t beat that in the market, then I’m afraid there’s even bigger problems than you being too retarded to understand that you should be investing that hundred grand or whatever. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004610) |
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Date: July 16th, 2026 5:22 PM Author: Azure bossy garrison I understand the math. It's still a huge prole tell to have payments for a depreciating asset. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004618) |
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Date: July 16th, 2026 5:22 PM Author: aquamarine locale idiot Prole Tell: arbitraging the price of an RX350 (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004619) |
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Date: July 16th, 2026 5:24 PM Author: Azure bossy garrison (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004624) |
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Date: July 16th, 2026 5:25 PM Author: Primrose base indirect expression the amount i have invested is much, much greater than the balance of my car loan and my returns have been much higher than the rate on the loan. you sound financially illiterate (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004626) |
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Date: July 16th, 2026 5:27 PM Author: Azure bossy garrison that's nice, it's still a prole tell in the vast majority of cases. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004630) |
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Date: July 16th, 2026 5:27 PM Author: Thriller double fault Proles are obsessed with “paying things off” because that’s the wisdom they inherited from their retarded Boomer elders who they hold an unwarranted respect for. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004633) |
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Date: July 18th, 2026 8:41 PM Author: Beady-eyed center trust fund (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50009009) |
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Date: July 16th, 2026 5:30 PM Author: hyperventilating sanctuary OP is brown and leases his car (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004636) |
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Date: July 16th, 2026 5:31 PM Author: Azure bossy garrison Wow, this really hit a nerve with the ascended proles on XOXOHTH. False, I own both of my cars. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004638) |
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Date: July 16th, 2026 5:33 PM Author: hyperventilating sanctuary call them brown and watch how they recoil, "I've been found out." (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004644) |
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Date: July 16th, 2026 6:13 PM Author: Azure bossy garrison Nah, you dork (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004764) |
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Date: July 16th, 2026 5:35 PM Author: Aromatic heaven Im prole then (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004649) |
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Date: July 16th, 2026 6:21 PM Author: excitant goyim sandwich im a prole attorney (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004791) |
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Date: July 16th, 2026 6:23 PM Author: Adventurous drunken crotch (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004797) |
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Date: July 16th, 2026 6:32 PM Author: arrogant chad prole tell: ur net worth is so low that it's a big deal to not have the cash that your car is worth (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004811) |
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Date: July 16th, 2026 6:48 PM Author: Azure bossy garrison (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50004851) |
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Date: July 16th, 2026 9:59 PM Author: lex I don't think you people understand the basic prole/poor distinction, which is absolutely bizarre for veteran poasters (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50005304) |
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Date: July 16th, 2026 10:22 PM Author: gunneratttt (gunneratttt) MFE in being poor not prole (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50005349) |
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Date: July 16th, 2026 10:51 PM Author: hateful dashing box office I haven't had a car loan in forever but if I were buying a new car with a great deal and also got a super low interest rate loan (under 2%) then I would 100% take it because I would come out ahead on keeping the cash in a CD. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50005445) |
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Date: July 17th, 2026 11:26 AM Author: Cracking quadroon french chef This is such a stupid discussion. If we are talking about buying a new car, choosing to take the .9% loan usually (always?) means that are paying a higher price for the car. It’s usually like .9% or $5k off. There is no such thing as a free lunch. Thinking that you scammed the dealer by taking out a .9% loan is extremely prole. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006221) |
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Date: July 17th, 2026 11:59 AM Author: Primrose base indirect expression that's not how it works anymore. the all cash price is typically higher. if you hide the fact you're paying all cash, they get pissed and won't honor the price once they find out. dealers make their money on financing fees now not selling cars, so an all cash sale is a waste of time and money for them (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006314) |
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Date: July 17th, 2026 1:51 PM Author: Azure bossy garrison If they need to entice you to sign up for a loan with a lower price that's even more proof that financing is for proles. Wow, thanks. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006655) |
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Date: July 17th, 2026 11:29 AM Author: Scarlet kink-friendly toaster abode A person of swarth just can never post about "prole tells". You are born prole and can never ascend. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006225) |
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Date: July 17th, 2026 1:49 PM Author: Azure bossy garrison (Guy buying 19 year old skanks Chinese clothing for sport) (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006649) |
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Date: July 17th, 2026 1:56 PM Author: Buck-toothed famous landscape painting (Teenager's wardrobe consultant/bankroll) (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006666) |
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Date: July 17th, 2026 11:57 AM Author: Flirting naked black woman when I was like 35 I would've agreed with this 100%. At this point I'm beyond caring. like this doesn't really matter.
my purpose on planet earth is to Write Checks to people. I've come to accept that. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006307) |
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Date: July 17th, 2026 2:23 PM Author: Rose Stirring Temple thought this would be a copy paste from reddit (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006708) |
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Date: July 17th, 2026 2:24 PM Author: Pale state mother the real prole tell is calling it a "car note" (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006712) |
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Date: July 17th, 2026 4:30 PM Author: Rose Stirring Temple thats both prole and prestifious. only middle classmos call it a 'loan'. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50006965) |
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Date: July 18th, 2026 9:07 PM Author: aphrodisiac indecent nursing home (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50009053) |
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Date: July 18th, 2026 8:44 PM Author: Stimulating Burgundy Hell Puppy i make over $600k and have a car loan. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50009016) |
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Date: July 18th, 2026 8:56 PM Author: Jet school cafeteria Four cars, zero loans. Rate me as a prole. (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50009039) |
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Date: July 18th, 2026 9:07 PM Author: soul-stirring fluffy chapel scourge upon the earth Imo OP is right if we’re talking about irl normies. Autistic internet posters however can and do use Cars as Arbitrage (https://xoxohth.com/thread.php?thread_id=5883271&forum_id=2#50009054) |