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Am I crazy for wanting to lease a top-of-the-line 3-series out of college?

Discussion in 'Fine Living, Home, Design & Auto' started by GreenFrog, Jun 20, 2011.

  1. otc

    otc Senior member

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    *Sports car being something that is fun to drive on backroads. Typically this means that it is lightweight and handles well. See if you can't find an MGB or TR6 to drive and see if you like it. Also see if you cant find a suspension modified e21 or 2002 (The e21 being the first generation 3 series and the 2002 being the direct precursor to the three series).

    Always thought an e21 or an e30 would be fun...at least when I was thinking it would be fun, e30s were cheeeeeeeap [​IMG]
     
  2. Rambo

    Rambo Senior member

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    am i crazy for keeping on clicking into this lousy freaking thread?
    I've been asking myself the same question. I think its because I'm secretly hoping that he'll be dumb enough to get into a $600 a month lease. GF - how shitty is your driving record that you're paying $200 a month in insurance?
     
  3. HRoi

    HRoi Senior member

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    i'd lease an M3 convertible for $600. or even $700.

    too bad i just committed my car buying monies for the next 5 years
     
  4. GreenFrog

    GreenFrog Senior member

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    I've been asking myself the same question. I think its because I'm secretly hoping that he'll be dumb enough to get into a $600 a month lease.

    GF - how shitty is your driving record that you're paying $200 a month in insurance?


    My insurance is high because I got my license two years ago. Spotless record.
     
  5. HRoi

    HRoi Senior member

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    i think in grand SF tradition, you've got to lease the car now just to spite everybody [​IMG]
     
  6. Bentech

    Bentech Active Member

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    Just wanted to throw my opinion in the discussion:

    I am in a pretty similar position right now, I have been looking at more entry level BMW 3s, and Audi A4s (in both cases ~$40 000 vehicles) however, what I think I am going to end up doing is leasing a new VW Jetta. The new ones look sharp, and are surprisingly cheap. I am looking at leasing one with all the options I want for under $300 a month.

    I could probably afford something like an Audi A4 or a BMW 3, but I feel like I would be better off starting small, after all, this is just my first car, there's nothing stopping me from upgrading 4 years down the road.

    If I end up going for the Jetta, I will just be banking the difference. Feels like a solid plan to me.
     
  7. bringusingoodale

    bringusingoodale Senior member

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    Well, whatever you choose to do, keep posting on this and other issues you may have.

    I have decided to live my life vicariously through your posts.

    [Why Greenfrog when there is Foo, Spoo, Vox et al?

    Because he is younger. Glory be to the young.]
     
  8. Night Owl

    Night Owl Senior member

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    okay, well this is where i currently stand. no matter what car i get, im probably going to be paying around $200 per month on insurance. i won't be spending too much on gas, so i will budget around $150 a month for that.

    i definitely want to lease a car for 2 years (i think 3 is too long) because owning one (which would be used) doesn't seem to make sense for me right now.

    what's a good budget for a lease? i spec'ed out a bottom of the line 2012 honda civic with a manual transmission and pretty much made it bare-bones and the lease cost was around $350 per month for 12k miles and 24 months!!! that was with 0 down and a $1,500 trade-in.


    this is just fucking sad, spend a couple hundred more per month and lease the 3

    no point in saving for some magical day when you can "afford" it. when you make more money, you will have more bills and its all goes out the same. hey i got a promotion, aw now i have mortgage payments, hey i got a better job, damn i have a kid, and so on, hello $1500 shooz ffs

    in the immortal words of patrick ewing - we might make a lot of money, but we spend a lot money too

    you say your parents saved up a bunch of money being tightfisted as fuck? are they going to take it with them? no they will die and leave the money to you so go get your bmw young man while you are alive to enjoy it [​IMG]
     
  9. RedLantern

    RedLantern Senior member

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    Always thought an e21 or an e30 would be fun...at least when I was thinking it would be fun, e30s were cheeeeeeeap [​IMG]

    Yeah, I've got an e21 and it's a blast. I like e30's alright, but there's just something appealing about the 4 cylinder engines (M10) in the 2002 and the e21 as well a the lack of ABS and power steering that is particularly endearing. Also I still see a ton of e30's around, which decreases the appeal for me.
     
  10. Douglas

    Douglas Senior member

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    GF - how shitty is your driving record that you're paying $200 a month in insurance?

    That would be pretty much the going rate AFAIK for a 22 year old driving a $50K automobile in a place like Boston. I mean it might be $170 but it's in that ballpark.
     
  11. bigbjorn

    bigbjorn Senior member

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    leasing a new VW Jetta. The new ones look sharp, and are surprisingly cheap.
    Don't do that. The new Jetta is a de-contented, poorly-built disgrace. It's a car that's cheap because it's cheap! If you're looking at a car in that class, get the Civic. Or get a 2009 Jetta.
     
  12. globetrotter

    globetrotter Senior member

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    I'm not going to read all this thread, read the first page. good choice not to get the car.

    listen, start saving. get yourself a million bucks in life insurance, at 22 it will cost you nothing, when you are 40 it will cost you a hell of a lot more. then, put 10% of your salary into retirment. again, you start at 22 it is a hell of a lot better than starting at 40. then save what you need to live off of for 6 months. that is your safety net. after that, blow your money on anything that you want, get a gold plated bmw and snort cocaine off the hood.
     
  13. SirGrotius

    SirGrotius Senior member

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    Dude, are you going to drive a Honda? Of course, get the Bimmer! hahaha
     
  14. forex

    forex Senior member

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    $200 a month for insurance is pretty crazy,my insurance for 4 cars is $1000 a year. And no,don't buy a fucking BMW now,you haven't even started your job yet,what if they fire you in 2 months?
     
  15. Joffrey

    Joffrey Senior member

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    When I was 22 my insurance was about $100 a month in DC, including several speeding tickets. No idea what gf is doing...
     
  16. uhurit

    uhurit Senior member

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    Please, someone move this POS loser thread into the DT department![​IMG]
     
  17. Reggs

    Reggs Senior member

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    Is the OP Asian and living in southern CA by chance?

    A good car they cant afford is the very first thing they slavate over after graduation.
     
  18. suited

    suited Senior member

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    6. GF will have plenty of friends blowing $600 a month on drugs, booze, food, clothes, etc. If he forgoes all of that for a car, more power to him. If he wants to have it all, obviously finances will be tight with the car. Everyone has to make their own decisions.


    Just to act as a counter weight to a thread full of good advice...

    It's not the greatest financial decision in the world, but it's far from the disaster that people are making it out to be. "what if you get fired in 2 months". Then sell the car. People act as if he did go through with this and something went wrong he's going to be in some sort of perplexing dilemma that's unsolvable without selling off a limb.

    Any financial guru will tell you that you should instantly, I mean fucking instantaneously leverage your ass to the HILT straight out of school. Bury yourself in debt. You'll know that you're deep enough when you calculate your monthly expenses and something as minor as a higher wind resistance on any given day would increase your gas expenses just enough so that the entire house comes falling down and you go chapter 7. That's the edge you're lookin' for, and you wanna ride that as long as possible.
     
    1 person likes this.
  19. JayJay

    JayJay Senior member

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    Just to act as a counter weight to a thread full of good advice...

    Bury yourself in debt. You'll know that you're deep enough when you calculate your monthly expenses and something as minor as a higher wind resistance on any given day would increase your gas expenses just enough so that the entire house comes falling down and you go chapter 7. That's the edge you're lookin' for, and you wanna ride that as long as possible.

    Now THAT is living on the edge. [​IMG]
     
  20. HgaleK

    HgaleK Senior member

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    Just to act as a counter weight to a thread full of good advice...

    It's not the greatest financial decision in the world, but it's far from the disaster that people are making it out to be. "what if you get fired in 2 months". Then sell the car. People act as if he did go through with this and something went wrong he's going to be in some sort of perplexing dilemma that's unsolvable without selling off a limb.

    Any financial guru will tell you that you should instantly, I mean fucking instantaneously leverage your ass to the HILT straight out of school. Bury yourself in debt. You'll know that you're deep enough when you calculate your monthly expenses and something as minor as a higher wind resistance on any given day would increase your gas expenses just enough so that the entire house comes falling down and you go chapter 7. That's the edge you're lookin' for, and you wanna ride that as long as possible.


    Why?
     

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