Monthly Payments!

[bluecrush.taco]

Crazy now how working hard, paid your way through college with no freebies, worked every day in life since 13 yrs old, socked money away in a 401K rather than $8 a day coffee is now the definition of privileged. Well I am definitely privileged and I love every minute of it as I get close to retirement at 59.

I have 2 boys 24 and 29. That entire generation is about "getting by". They value work/life balance WAAY more than we ever did. Our focus was working hard, getting promoted to make more money NOT demanding more money for doing the same job every day just because "the big bad CEO/boss makes a lot". We strived to be the CEO (even if we didn't stand a chance)

It is life choices. YOU AND ONLY YOU have the choice to make. STOP blaming everyone else and take accountability for your actions. I know NO ONE these days takes accountability, it is way to easy to blame the right, blame the left, blame their parents, blame their boss. Look in the mirror or start when you are at Starbucks buying that coffee, gas station buying the $10 smokes, or ordering door dash for food rather then going to the store.

Peace out - privileged Tacoma owner.

Wow I touched some nerves using privileged to describe some people. But it seems the boomer generation couldn't see my point. All I'm saying is the recent and upcoming generations will be facing the most economic, social, and political turbulence than ever. And if that $8 coffee or financing a $45k truck is going to get to enjoy their life more, let them and don't shame them. No one should have to wait 30 years to save up enough cash to pay for a car outright. Life is too short for that Dave Ramsey bs philosophy.

If you're in your 60's or older, you probably enjoyed an economic boom that allowed you to save while affording modest expenses. The nuclear family is dead. It's not like that anymore. The cost of college skyrocketed compared to normal inflation, so it's impossible to work hard and pay your way through school without loans.

I'm sorry you had to work every day since 13 years old. I don't think any kid should have to do that. Your kids value work-life balance because they probably realize life is more than creating shareholder value. Capitalism fed us the lie that if you work hard, you can become a CEO and make millions. You really think that CEO work that much harder than us and deserves the multi-million dollar salary while they continue to exploit our labor. You think those CEO's took responsibility when did massive layoff but still took million dollar bonuses? Nah, I'll continue to enjoy life now and not wait until I'm 65.

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[DENNISD]

Wow I touched some nerves using privileged to describe some people. But it seems the boomer generation couldn't see my point. All I'm saying is the recent and upcoming generations will be facing the most economic, social, and political turbulence than ever. And if that $8 coffee or financing a $45k truck is going to get to enjoy their life more, let them and don't shame them. No one should have to wait 30 years to save up enough cash to pay for a car outright. Life is too short for that Dave Ramsey bs philosophy.

If you're in your 60's or older, you probably enjoyed an economic boom that allowed you to save while affording modest expenses. The nuclear family is dead. It's not like that anymore. The cost of college skyrocketed compared to normal inflation, so it's impossible to work hard and pay your way through school without loans.

I'm sorry you had to work every day since 13 years old. I don't think any kid should have to do that. Your kids value work-life balance because they probably realize life is more than creating shareholder value. Capitalism fed us the lie that if you work hard, you can become a CEO and make millions. You really think that CEO work that much harder than us and deserves the multi-million dollar salary while they continue to exploit our labor. You think those CEO's took responsibility when did massive layoff but still took million dollar bonuses? Nah, I'll continue to enjoy life now and not wait until I'm 65.

You think your generation had it harder than those who lived through the Great Depression?


We’re not saying you shouldn’t enjoy life—we’re just asking that you stop complaining while you’re the one digging the hole.


I can’t speak for everyone, but each person has to make choices based on the hand they’re dealt. I understand that things are financially tough and that making ends meet can be a real challenge—I’ve been there too. I faced hardship as well. What I chose to do was find a balance between the things I enjoyed and the things I needed to do to survive.


To each their own. All I can say is: good luck to you, sir.


Enjoy the ride.

 

[gpburdell]

All I'm saying is the recent and upcoming generations will be facing the most economic, social, and political turbulence than ever.

You really need to study your history before castigating those who’ve lived it.

Off the top of my head: 70’s oil crisis and impending ice age. 80’s extreme inflation and ozone holes gonna kill everyone. 1987 black Monday. 90’s lead up to Y2K gonna end the world then the dot com bust. 2000’s energy crisis, late aughts housing bubble collapse and recession, 2011 Black Monday stock market collapse, COVID economic impacts, and I could go on.

The part you’re missing is that we who lived through all of that see the current situation as more of the same. You’re new to this, we get it. Especially with all the media hype occluding the part where This. Is. Nothing New.

Some whine and cry about tough situations, some buckle down and deal with it while making great choices for their future.

Choose your path.

’cuz what you see today is just part of the wash-rinse-repeat cycles we and everyone before us have lived through for decades if not centuries. Those who deal with it tend to succeed, while those who whimper and blame everyone else tend not to.

 

[SilverSurfer]

Heh…you left out the 60’s 70’s and 80’s Russian’s ready to nuke us everyday reality. Now that’s back too. lol.

 

[gpburdell]

Heh…you left out the 60’s 70’s and 80’s Russian’s ready to nuke us everyday reality. Now that’s back too. lol.

ah yes, sorry. lol. Get under your desk, put your knees to your ears and kiss your azz goodbye.

I get it. The hyper over-dramatization of media is different now than when we got one - maybe two - newspapers a day and 30-60 minutes of TV news.

“If it bleeds it leads,”

Modern Media gets more click revenue acting Chicken Little than accurately informing people of the reality of social-economic cycles. So it is easy to perceive the world is different than it has been before during all the other sh.t we dealt with in the days before 24x7 targeted social/media feeds

the historical reality is that good times follow bad, bad times follow good. Some suck or than other cycles. Some suck less. Meanwhile those who just Do The Right Thing each day tend to prosper through it all.

 

[goin2drt]

Wow I touched some nerves using privileged to describe some people. But it seems the boomer generation couldn't see my point. All I'm saying is the recent and upcoming generations will be facing the most economic, social, and political turbulence than ever. And if that $8 coffee or financing a $45k truck is going to get to enjoy their life more, let them and don't shame them. No one should have to wait 30 years to save up enough cash to pay for a car outright. Life is too short for that Dave Ramsey bs philosophy.

If you're in your 60's or older, you probably enjoyed an economic boom that allowed you to save while affording modest expenses. The nuclear family is dead. It's not like that anymore. The cost of college skyrocketed compared to normal inflation, so it's impossible to work hard and pay your way through school without loans.

I'm sorry you had to work every day since 13 years old. I don't think any kid should have to do that. Your kids value work-life balance because they probably realize life is more than creating shareholder value. Capitalism fed us the lie that if you work hard, you can become a CEO and make millions. You really think that CEO work that much harder than us and deserves the multi-million dollar salary while they continue to exploit our labor. You think those CEO's took responsibility when did massive layoff but still took million dollar bonuses? Nah, I'll continue to enjoy life now and not wait until I'm 65.

No nerve touched. Clearly you are unaware that my generation and earlier don’t get their nerves touched as they are not from the snowflake generation. We can handle a lot more. You keep blaming the big bad CEO and thinking you are living in a world so much worse than before and keep blaming everyone and everything else rather than taking personally accountability. It certainly fits right in to the current generation. I see it all day, every day. Also don’t worry about me not living life. I have probably experienced more than most, I just did it by living within my means, working hard and moving up rather than blaming everything around for holding me down.

 

[bsquaredMTB]

Ok people, I think we've lost the original intent of this thread. As I stated initially, I just wanted to have a fun exercise and understand what people's approach was to funding their Tacomas. Can we PLEASE get away from the gen bashing and just have a decent discussion about what people's strategies are go get a truck we alll enjoy so much. THANKS!

 

[DENNISD]

Ok people, I think we've lost the original intent of this thread. As I stated initially, I just wanted to have a fun exercise and understand what people's approach was to funding their Tacomas. Can we PLEASE get away from the gen bashing and just have a decent discussion about what people's strategies are go get a truck we alll enjoy so much. THANKS!

I agree with you. The Generational "thing" is painting things with a broad brush and one should not really generalize different groups as one or the other.

With that being said, I do find it interesting that those that mentioned they paid it off in one lump sum are viewed negatively by their peers on this forum?

I am not here to judge anyone in particular but I do respect those that pay their cars off whether it took more time or not.

Just my 2 cents...............

 

[bsquaredMTB]

I agree with you. The Generational "thing" is painting things with a broad brush and one should not really generalize different groups as one or the other.

With that being said, I do find it interesting that those that mentioned they paid it off in one lump sum are viewed negatively by their peers on this forum?

I am not here to judge anyone in particular but I do respect those that pay their cars off whether it took more time or not.

Just my 2 cents...............

I agree with you. Let's change the narrative from jealousy / negativity to support and positivity. Buying a vehicle is probably the second largest purchase anyone will make regardless of the financial situations at any point in time. Congrats to you all that bought it in cash and congrats to everyone that's buying it with finance. At the end of the day, it's about staying within your means and enjoying your vehicle!

 

[tkrum015]

Zero but I am in my 70. Guess I am old school and only looked at the first two pages cause back in my days we did not talk about how much you make or paid. Sorry.

 

[Subwire]

When I buy one in a couple weeks my payments will be 725$ and that’s with 10k down.

 

[Stringburner]

Purchased in May. I'm chiseling away hard at it. 3.75% @ 48 months with TFS.

 

[Ray T]

I’m 62 pay it off or make payments I got a great trade in on my rock warrior could have paid it off but just thought man you pull out of the driveway in the morning get out on the road and some crazy ass runs the red light there goes 70k not to mention your health just saying everybody you do you everyone has a different situation have fun with your trucks

 

[Wanderlust]

Hi all,
I just saw a reel on the gram from Toyota Lifestyle where they were asking their employees what their monthly payments were on their vehicles (not all tacomas). It got me thinking, "I wonder what people are paying out there".

I'll start with mine. I recently refinanced to 4.99% for 5 years. I'm paying $537 a month.

I'm just curious how much people are willing to pay for our new trucks. Hopefully this isn't too intrusive. If it is, just don't post ?

I'll share too. I bought my truck in July of 2024. I'm at $731/month for 60 months @ 4.79%. 10k down.

Let's face it, lots of people don't have access to a large pile of cash to buy a new truck outright. A general rule of thumb for me when financing is to put any extra cash towards the principal and pay it off way before your term duration.

I worked hard for many years to get to where I am now in my career, and I bought the truck as a gift of accomplishment. I have no regrets.

Edit: 60 months, not 72.

 

[Ray T]

I’m right there with you that’s how I am

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