This was deep. I need Brostrol to clear my throat.

I downgraded after getting myself into a financial mess. I had an SLK350 until I got woke. I realised my installment + insurance could buy me 3 rental properties. Yes you can't drive an apartment but I downgraded to a kwid for 3yrs and now the rental income is paying for my haval jolion. My friends laughed ba re ke wele coz I went from SLK350 to a Kwid. Guess who is laughing now.

Jokes aside I really appreciate the knowledge that you're dropping in videos like these. Thanks.

Mr Sambo, you are quite right 😢 I look at white colleagues at work no fancy cars and lunch time no takeaways 365 days straight, rena Nandos,ntonton everyday. I have learned…. all my cars I own them no installments for me and now I have managed to payoff my home loan

Attachment issues is what a lot of us suffer from. Trying to hold on to material things which shouldn't be much of an effort letting go. It takes real mental and emotional strength to accept reality for what it truly is and move on. Great content as always!!

You're really a gift to all of us bro. Especially to us black kids that are doing this life thing without the memo or examples to look up to. We appreciate you my guy. keep up the great work.

You are Mamelodi Sundowns of car content creators 👏🏼👏🏼👏🏼 From: Khosi Fan✊🏾

"Don't let material things define who you are" at this point Muzi must write a book. What a genius.

Aaaah dude I love your content. I own 3 old vehicles of my own, they in Immaculate condition. Teacher Sambo thank you for all your hard work to provide us with factual and educational information about finance etc. Thanks my guy. I work in car insurance and the premiums for a quote is never the same. All quotes are different. The only logical answer for why the premiums are that way for the swift in terms of a new driver is risk factors involved. While the baleno is a more expensive car and the swift cheaper. The swift is more of a demand than the baleno itself thus making its a high risk vehicle in multiple scenarios such as accident rates, theft, hijacking and the list goes on. It also comes down to the persons driving history that plays a big role in insurance in terms of premiums.

The views of this channel mostly align with mine: Make financial decisions that make sense to YOU!

This is the reason why you won the award, quality content!

You are like a Grootman that i never had, Mzozo i'm still in college, yet your content makes me feel like life is not so bad after all. Ngiyabonga.

👏🏾👏🏾👏🏾, you are a great teacher Sir, we learn so much more from you than financial advisors and accountants. Keep it up.

As a umlungu I enjoy watching your videos and I'm vibing to your jams 🎧🎶 keep it up brother! I feel like there's 1 more viable option which isn't an immediate solution but It can work. Say you have a shortfall (R90k) you should try as best as possible to keep paying till that shortfall is finished (usually occurs after around 2 years of ownership) that's when people usually trade in or sell privately and most times depending on how your finance is structured (and depending on the car) you will break even. So in short u must eat pap and eggs for at least 2 years until u can trade in or sell to break even. This will be best not to hurt your credit score.

Okay biltong is amazing man😂 but I agree with you on the bikes and boats

Thanks, bro! You're dishing knowledge that'll save millions from bad financial decisions.

yoooo hayi this car channel is hands down the most educational

I love this guy's sense of humour

Man I've been following your channel for months now and you're gradually expanding my thinking capacity. Anyway thank you for your useful information and knowledge. 🙌

I'm glad that I learnt about downgrading the hard way early on in my life and it has changed my perspective on things

👋🏽👏🏽. Yahneh. Downgrading must be one of the hardest things to do. Personally, I prefer the idea 'pre-downgrading'

Best video ever,,,,, i like it when you tell us nothing but the truth,,,, most of us we don't know when to let go.... Big ups brother,,,,No one in our circle is ready to talk about this,,,, it's all about pride and competition,,,, many thanks for changing our perspective

This is an amazing channel, Muzi. The info and humor is next level. Totally like your way of delivery.

It’s amazing how I quickly got used to the new soundtrack on your videos. I actually even forgot how the old one sounded like.

😂😂😂😂your sense of humour is out of this world

Great video! Test drove a new BMW 2 months ago, so glad I didn’t get it. I would have hated myself for making so much debt.

You videos are very educational broe and your views on different matters just show how wise and intelligent you are. We are learning a lot from you. Stay blessed🙏

Such info can't be bought..we appreciate the knowledge you continue to share with us on this channel..just given the black child some hope🤞

Quite an eye opener Muzi. Even though I know about most of these things I still find it intriguing and reassuring when hearing it from a passionate and knowledgeable person like yourself.

Always the best content towards everybody, most importantly, the working class.

We have no competition on the net! Keep up the work 💪

Things they should be teaching us in school.

This man does not miss on the important stuff …

Today you really went it. Thanks for this big bro.. You have now become the older brother I never had.. "Hope is not a Plan" 🔥

Always sweet short and straight to the point

Thank you for the life lessons and financial advise you give us, it is much appreciated

Taken in my City Mbombela, East view BMW. You're always helping us in many ways.

Don't have a car yet....but I'm pretty sure the day I get one I'll make great financial decisions...thanks to you 🤛

Thank you for this. I'm learning at a younger age.

Very Informative video, as always. Thank you. By the way you cracked me up a lot even though you said this vid was serious

Man I’m glad I discovered this channel

yarreee man wena. Literally the first few seconds of the video and I'm cracking up. The problem with biltong is what...🤣🤣🤣 I enjoy your content man, I watch a lot of car reviews and related topics. I'm super glad I found a great content creator about such topics from my own land. Educational and funny as hell, its the perfect combo.

This is some very insightful advice man💯💯

My man thanks a million I take my hat off for you... Great eye opening...

The numbers 1 automotive KZfaqr in SA!!

Thanks for the wisdom, bro. We desperately need this knowledge. The expensive cars and materialistic lifestyle is slowly destroying black South Africans, shem! 😟

Nice one bro! Very informative and most importantly very very REAL.

Thank you for the information, and great sound man..even forgot the old one

Discovered your channel today and I am hooked. Keep it up 👍

I've learnt a lot here. Ni khensa vutivi lebyi bya mahala

Enjoying the videos man!

This was amazing content! Keep it up Mr Sambo!

😄👏👏 yah, you were very serious. You are a gift that keeps on giving Muzi 💥💯

Your videos are amazing and your sense of humor✌️

You were serious indeed🤣🤣🤣, I respect you man🙏

Wisdom and Knowledge right there Mr Sambo 👊🏾

Muzi On Point as Always....Congrats bout Winning the Dstv Awards...

Chief you made my day, bikes and biltong. I'm going to subscribe because you are one of the few black human beings that I've listen to that don't speak crap. Keep it up chief

I needed to hear this. I love my car. Let me start with Loan Restructuring... If it fails, then Downgrade will do, coz wow....

1. Before voluntary surrender one can sell the car on their own and see if they can get "good" money, closer to what they owe. 2. On top of insurance get shortfall cover. For those who don't know, shortfall covers the difference if you sell your car or write off etc. 3. When they auction the car on your behalf, there's fees. So if car is sold for R100k, it doesn't mean 100k will be credited to your account

Mr Sambo this is a high value content channel. Awesome 🎉

Superb work Tata, like I said your Financial Advice is tops

thank you brother we appreciate your advice. it'll really help us to take wise decisions.

I am glad that I came I crossed this before I could get to a point of messing up my life.

Financial education at its best, well said Muzi 👌🙌

Never thought i could enjoy car content like this damn you Muzi😂😂

Good work Muzi you are giving us facts Mzansi style, I've learned that it's best to be honest with thyself and properly analyse research before jumping into these situations

Watching your videos after Mashabela podcast. Great content as I hit the subscriber button.

Hey Muzi. Please consider a video on the effects of paying deposit at the beginning, when you first purchase a car over paying that deposit/ lump sum after the purchase.

Content we subscribe for. Brilliant 🙌🏾

I had to revisit this video🔥he is too much🔥🔥

Thanks bozza. We learn so much from this channel

this channel's growth 🔥🔥

amazing commentary malumz

serious mood for serious topic!!

What an inspiration my brother❤✨️

another wonderful insight you have shared👌

True, if you let material things define cause you will have problems the minute you lose them.

As for Biltong and chappies, you killed me🤣🤣🤣

1 minute in and I'm on the floor 😂😂😂🤣🤣😭😭. Wa re o etsang makgowa!? 😂 And then he says today I'm serious no silly jokes when he knows he's delivered knock out punches 🤣🤣😂😂

Ngfundze lokuningi just buy watching this short video. This channel is not only about car reviews but it also gives great advice, take it at your own risk though as the guy mentioned that he's not giving you financial advice and isn't qualified to do so

That biltong joke cracked me up 😂😂😂…thank you for the content Bhuti

Mara that background song is fire, jelas down🔥🔥🔥🔥

As usual your videos are fire thank you

Very informative Muzi 👏🏾 🤝🏾

Boss adivice ma broe. Keep up the good work. Showing bills flames

Hai Shem!!!! Pure genius

No wonder your channel is growing exponentially

first time in the channel is fire 🔥🔥🔥🔥🔥🔥🔥

You a whole vibe man😂🫵🏽👊🏾

Thanks my brother I’m going through financial difficulties but you’ve just taught me how to make the situation better 🙏🏻 uNkulunkulu akubusise

This was very helpful, my wife and I are owning a picanto, and the car installments are showing us flames, we are even thinking of returning it back to the dealer

Please consider doing video about buying a car on Auction. I know it is considered profiting from one person’s demise but i’d like to hear your views.

🤣🤣🤣 I am new to this channel, I am new here but just fel in love with the introduction and caution ⚠

You are a wise man.

Very informative, thank you.

😂😂😂😂i love how realistic this men is🤣🤣🤣

Yoh, the way I watch your videos, it is as if I am about to buy a car in the next two weeks, that time I'm only a student.😭

"Studying their behavior" 😁🤭. Dankie Bruh🙌🏾

Grew up with nothing, but when working we want to have everything at once. True hey.