The insurance industry profits billions annually. If they are willing to give me a 20 year term life insurance policy that brings me well into my 50's and would pay out $1,000,000 to my estate should I die in that span, for a cost of $40/month then I am gonna live my life by their data. Which means there are overwhelming odds that I won't get hit by a bus tomorrow.Apply Dave Ramsey or any other things in moderation. If you get hit by a bus tomorrow you will have at least driven a fun car today.
Now you're just making things up. You ask any everyday millionaire what it took for them to get where they are, and if they've enjoyed life and have any regrets. Then ask broke people what they've done to get there and if they've enjoyed life and have any regrets and get back to me with who is more likely to believe they have lived a fulfilled life...People that obsess too much with saving and such miss out on what is really important - enjoying their life.
You enjoy your life, I'll extra enjoy mine. People that live 'Dave Ramsey's' way seldom live long enough to enjoy the fruits of their labors. All I said was 'ramsey to a limit, but you have to enjoy your life'. The OP is responsible, making good money, must have a solid education to garner that pay, and is trying to buy a reasonable car.The insurance industry profits billions annually. If they are willing to give me a 20 year term life insurance policy that brings me well into my 50's and would pay out $1,000,000 to my estate should I die in that span, for a cost of $40/month then I am gonna live my life by their data. Which means there are overwhelming odds that I won't get hit by a bus tomorrow.
Now you're just making things up. You ask any everyday millionaire what it took for them to get where they are, and if they've enjoyed life and have any regrets. Then ask broke people what they've done to get there and if they've enjoyed life and have any regrets and get back to me with who is more likely to believe they have lived a fulfilled life...
Everybody wants to be a millionaire, and can be. But very few do what it takes to accomplish it.
Dave Ramsey school of thought is not against enjoying life. Quite the contrary.You enjoy your life, I'll extra enjoy mine. People that live 'Dave Ramsey's' way seldom live long enough to enjoy the fruits of their labors. All I said was 'ramsey to a limit, but you have to enjoy your life'. The OP is responsible, making good money, must have a solid education to garner that pay, and is trying to buy a reasonable car.
I would counsel differently if he wanted to go get a GTR with crazy high cost and maintenance. But a Civic Type R? The car holds its value, is reasonably priced, is functional for his family, and will bring joy into his life.
Staring at a spreadsheet counting down the minutes until he can enjoy a bit of his life does not make a full life - at least not to me.
You don't know when your time is up, that's why you should allow yourself some reasonable levels of fun even if they don't adhere to the Dave Ramsey school of never have fun no matter what.
Is theSo I called the dealer...and decided to wait. I enjoyed everyone's comments here and appreciate the input. I don't know if I'll be able to wait out the 2 years of my accord lease but at least until the 2020's come out!
May have been addressed already...but what does the $4k on the Accord represent? Is that remaining payments or what you would owe after your dealer would buy the car?So I called the dealer...and decided to wait. I enjoyed everyone's comments here and appreciate the input. I don't know if I'll be able to wait out the 2 years of my accord lease but at least until the 2020's come out!
Has the dealer given you an offer on the Accord or know your lease situation? I was in a somewhat similar position and they bumped the offer on the "trade" knowing getting out of the lease cleanly was my main barrier to entry.27k to buy out lease. 23k appraisal at carmax. Kbb put it at 21-24k so thought that was as good as it gets unless through private sale.