How To Pay Your Car Off Early

@FredNoaPhoto 3 жыл бұрын

Math is simple, make extra payments! I just finished paying off my car yesterday!

@JR-yx5io 2 жыл бұрын

wonderful

@TheWalamala 5 жыл бұрын

why am I watching this I already paid off my car

@sandimarielavati2354 4 жыл бұрын

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@muckymucks 4 жыл бұрын

Motivation.

@Snacks1991 2 жыл бұрын

To never let you go back

@yokaa69 3 жыл бұрын

The shortest most informative video I’ve seen to motivate me pay my car faster

@SaskatchewanBadAss Жыл бұрын

I was always taught that you only buy cars two ways. First and best choice is a cash car. 2nd choice, if you have to finance, If you can pay it in under 2 years while having all your bills covered then you can afford it. Even tho i usually keep my vehicles 10-12years I dont think Ill ever buy a new car again.

@ericchacone3876 3 жыл бұрын

Real life , I PAID off my BMW today , the feeling of owning your asset is AMAZING I also do my own maintenance on my car - super easy w/ how to KZfaq vids & some craftsmans tools. People PLEASE pay off your DEBT your future self will THANK YOU absolutely to get rid of it - now I’m investing in dividend stocks with the extra income I have. PEOPLE get rid of your car debt ! It’s freaking stupid !

@michaeldowning7094 3 жыл бұрын

Your car isnt an Asset it's a liability

@Porsche35645 Жыл бұрын

@@michaeldowning7094 -Unless, it’s a Porsche 959 or a Ferrari F40.

@gerrimiller3491 2 жыл бұрын

Tired of car payments. I'm totally done😎i will pay off this car by end of next year y'all. Getting a side hustle job too⚘no more struggling

@caseykittel Жыл бұрын

Love the theme song!!! Perfect. Short, sweet and cool double meaning.

@sabrinatatalias4277 5 жыл бұрын

If you have the chance, buy a "new to you" used car with cash. I wouldn't even think twice to getting a car lease

@JonathanBBQ 5 жыл бұрын

My guy dropping knowledge!

@sandimarielavati2354 4 жыл бұрын

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@hgo883 Ай бұрын

And to add to this...after you're done paying off your car dedicate at least the next 3 months or so to depositing that "payment" into a HYSA so you're ready for maintenance and repair costs. Then make sure that extra money is working for you and you're not burning through it.

@robtor5895 2 жыл бұрын

I owe 18000 on my 16 Audi A6, been paying it off for a year. Just got a new job tho so plan to drop 2000 on it every month for now on.

@anfonieb7434 2 жыл бұрын

Excellent teaching

@PugpugKeller Ай бұрын

Great. Thanks

@kerenhappuch2420 Жыл бұрын

Thank you for your help

@gd.523 4 жыл бұрын

Straight to the point. Love it!

@sandimarielavati2354 4 жыл бұрын

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@kejuanlynette8531 5 жыл бұрын

Shout out to my dad for teaching me about the extra principal payment trick. Shout out to you for doing this video👏🏽👏🏽

@ebukanwabuwa8345 4 жыл бұрын

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@DrDizfuntion 4 жыл бұрын

You be surprise what and extra $25 or $50 towards a payment can do aka Principle payments

@sandimarielavati2354 4 жыл бұрын

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@rosettadenton2876 5 жыл бұрын

Awesome thank you. Can't wait.

@sandimarielavati2354 4 жыл бұрын

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@Sharris476 4 жыл бұрын

Excellent

@sagatuppercut2960 4 жыл бұрын

I like when I get a tax refund. I usually use some of that to make debt payments.

@sandimarielavati2354 4 жыл бұрын

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@aubreyloving6744 4 жыл бұрын

You are one of my new favorite people. Stay blessed!

@sandimarielavati2354 4 жыл бұрын

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@willsims2009 2 жыл бұрын

Awesome!

@davidpepiton1187 5 жыл бұрын

This is awesome considering we just paid off our Van yesterday.

@davescott6735 5 жыл бұрын

I love their shoes!

@Jesusisgod444 3 жыл бұрын

Very eloquently expressed sir

@ericsloan858 2 жыл бұрын

I love Ramsey, but I really disagree with paying off the smallest debt. That doesn't give me any psychological boost at all. I owed 19k on my truck and $450 a month. 3 months worth of work and I paid it off, and it feels amazing. I just paid the minimum on credit cards. Knocking out my second biggest debt (home first) really has given my energy and hope!

@jesseduarte8979 2 жыл бұрын

3 months of work and u paid it off? Why not just save up the 19k and buy it outright then?

@ericsloan858 2 жыл бұрын

@@jesseduarte8979 because I bought it two years ago in a panic when my old truck died

@lovingsamantha9443 2 жыл бұрын

Dang. This gives me some motivation. Because I have 14k left on my car/ pay 450 monthly. I can afford it 3x but I just think of the savings or investment I can do with an extra 450 monthly , never mind the high gas, and insurance. I’m considering selling but I like my car and It’s truly one of the nicest ones I’ve had. I’m tempted to just get a simple 7k used car just for a year or two- save rigorously, improve credit and achieve some goals for that time and then upgrade properly.

5 жыл бұрын

BROOOOO! I am so glad I found your channel! I'm currently beginning my Dave Ramsey Baby Steps! #NewSubHere

@paradiselivinginpurpose 6 ай бұрын

Here in 2024 watching this to decide if I should sell my 2 year old car and buy a cash car (using the equity I have after paying off the current auto loan bc thankfully I was making extra principal payments since purchasing it!) - on that note let me go make another principal payment on it now! thanks for your timeless value videos!

@Mr_Banker222 2 жыл бұрын

Make extra payments on the principle

@MYTMIC 4 жыл бұрын

Good advice, like that you too the point unlike some people

@ebukanwabuwa8345 4 жыл бұрын

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@ssraper300 2 жыл бұрын

I didn’t negotiate for my car price because I was told not to and so I’m paying too much on it, I’m currently trying to figure a way out of it

@theartofcrochetbychandra3079 4 жыл бұрын

Thank you

@ebukanwabuwa8345 4 жыл бұрын

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@Snacks1991 2 жыл бұрын

Did you mean $300 a month?

@JR-yx5io 2 жыл бұрын

So should I pay interest or principle when paying off a car loan?

@shawnsmith564 3 жыл бұрын

Listen back in 2018 I needed a car for the fire academy and I got my own car but I was surprised and embarrassed that my credit was awful because of repossession on my dads car back in 2017 and I cosign on his car with him( very big mistake) cause I guilt tripped into it and the dealership lied to us saying that I could take my name off after a year which wasn't true but I didn't do my own research. Back to my car I got hit was 18% interest and 72 months so I was paying 394.30 a month and I started paying more in the first year but now I'm in the 3rd year and I have $8330 left so I said I gotta kill this bill, in the month of March I've paid $8000 on it tomorrow I'm gonna see the final charge. This was a hard lesson for me to learn never cosign with anyone but the person you marry and im just grateful im paying it 3 years early cause the final payment is due April 2024

@lovingsamantha9443 2 жыл бұрын

That’s awesome - congratulations

@shawnsmith564 2 жыл бұрын

@@lovingsamantha9443 thanks man

@Porsche35645 Жыл бұрын

Great!! Congratulations 🎊🎉!!

@shawnsmith564 Жыл бұрын

@@Porsche35645 thank you!

@shawnsmith564 3 жыл бұрын

There's no trick to paying off a car early and he doesn't say anything of true value. The trick is to get more money and make extra payments

@sammiec.1496 3 жыл бұрын

There is always "One" in every Bunch...smh...you're very sad 😥...now let that Soak in...

@shawnsmith564 3 жыл бұрын

@@sammiec.1496 I won't cause I just paid off my car 3 years early and it feels so good not having a car payment I feel like I'm free making more money in my pocket

@jason18401 5 жыл бұрын

But car interest rates are so low mines below 3%. I think its better to invest imo

@jojo9536 3 жыл бұрын

Can I pay off the loan amount and not pay the interest?

@cheezeandcrackers 3 жыл бұрын

What's the difference between saving $500/month for 5 years to pay $30,000 cash, vs making a payment of $500/month for 5 years? I get it if you have a 10% interest rate, but if you have a 1-2% interest rate I'd rather have the cash available or invest it.

@randombooze 2 жыл бұрын

My interest rate is 1.9 and I’m paying $489 a month and trying to figure out a way to lower my payments by making a large lump some payment to my principal and make a big payment on my actual monthly payments

@phatcrayonz 4 жыл бұрын

Thanks. I just paid off my car.

@sandimarielavati2354 4 жыл бұрын

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@AQJ_DK 5 жыл бұрын

300 dollars a year? Who has a car payment that small...

@mbombokazadi 5 жыл бұрын

You missed it. You're supposed to ADD that amount($300÷12) to your monthly payment of $300 so at the end of the year you've added an extra payment.

@AQJ_DK 5 жыл бұрын

@@mbombokazadi 1:31 "Lets say for an example your car payment is 300 dollars a year" is literally what he says... I understand that's probably not what he meant, but that IS what he said.

@mbombokazadi 5 жыл бұрын

@@AQJ_DK You're right. Guess he was just using easy numbers. I misunderstood, thank you!

@ashleyshort6141 5 жыл бұрын

He meant per month. Divide the monthly payment by 12. Add that number to the monthly payment.

@l.ls.8890 5 жыл бұрын

Yeah. He did say that, had to be. Miss spoke. But message intent received.

@NoDebtButLove 5 жыл бұрын

This definitely works!

@ED-gz8vr 4 жыл бұрын

QUESTION SR...IF I DO EXTRA PAYMENTS TO MY PRINCIPAL IN MY 5 YEARS CAR LOAN MY APR WILL DECREASE RIGHT? OR I'M WRONG, I DON'T KNOW MUCH ABOUT THIS..APPRECIATE IT THANK YOU.

@liamflan9553 4 жыл бұрын

EА𐍂𐍄Н Ш𐌹ИD КОМАУАША it would technically not, but since you are making more payments faster, the grand total is getting smaller faster, which means a slight decrease to your interest for each payment period

@FamilyFirstJ 4 жыл бұрын

Facts

@Pulpswo Жыл бұрын

In the example of $300/12. Is this the principle only?

@jesseduarte8979 2 жыл бұрын

I have a 19.99% intrest rate...any advice

@nxtchpforme9154 4 жыл бұрын

300 a year??

@Thewaveacademy223 4 жыл бұрын

should I pay off my car early, which has a 2.8% interest rate, if my investments earn well over 3%?

@muckymucks 4 жыл бұрын

That 0.02% isn't significant. Pay the car off, get out of debt, build your 6-months emergency fund, then invest.

@teresabuehler4449 4 жыл бұрын

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@leonarddukessr775 3 жыл бұрын

Why he keep saying 1 payment a year check ya vedio

@SojournNaturals 2 жыл бұрын

Paid my car off today! $10.5K

@FT9chango5 Жыл бұрын

Congrats what car?

@kendregab7328 5 ай бұрын

I will pay down on my car debt 13k after I pay off my credit cards since they have more interest than my car APR which is 4.5%. Highest credit card APR is 27% with 33k of debt. I'm so ready to be out of debt within the next 2 years. That's my goal while saving for a wedding 😆

@aflowerbloomed4866 4 жыл бұрын

Drastically increase credit score then use the methods described here

@sandimarielavati2354 4 жыл бұрын

Martinez is legit and reliable. (NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on +12013507159 via WhatsApp Mail him on martinezraber@gmail.com

@jlovesj3335 2 жыл бұрын

I got a charger. I already paid off months of payments and my interest rate is so low. I just want to own it and never sell it. I love my car too much to let it go and let someone else ride him.

@jlovesj3335 2 жыл бұрын

my monthly payment isn't even $200 and my interest is 3.99% my bank and credit is awesome. I already paid my loan now $1000 in the first month or so.

@Zeodotcom 4 жыл бұрын

I hate my car because of having to make a payment

@sandimarielavati2354 4 жыл бұрын

Martinez is legit and reliable. (NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on +12013507159 via WhatsApp Mail him on martinezraber@gmail.com

@ebukanwabuwa8345 4 жыл бұрын

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@Krystalonthemove 4 жыл бұрын

I just came thru to say hello handsome😂😂😍😍😍😍but I’m still gonna take the advice😂

@sandimarielavati2354 4 жыл бұрын

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@justinfisher5175 2 жыл бұрын

Got my car in Feb I hope to pay it by next Feb... Lol for real

@davescott6735 5 жыл бұрын

My car has a 0% interest loan. Should I pay it off or add to my account with my investment pro?

@jason18401 5 жыл бұрын

Dave Scott i would just invest. No reason to pay it off early imo

@jsmedenilla4524 4 жыл бұрын

Bro your vid makes me want to pay off my debts and go to the gym and workout.

@sandimarielavati2354 4 жыл бұрын

Martinez is legit and reliable. (NO UPFRONT PAYMENT) Have worked with him some months back and believe me he’s one of the legit hackers he’s the best if you need help with paying off debt ,credit score fix , credit card ,bank account,phone hack, PayPal hack . Contact him on +12013507159 via WhatsApp Mail him on martinezraber@gmail.com

@lorettayoung3088 4 жыл бұрын

Car payments for $300.00 a year?

@yokaa69 3 жыл бұрын

Divide that by 12 and give that result extra every month to knock out a whole month of the year. That’s what he meant

@lorettayoung3088 3 жыл бұрын

@@yokaa69 500.00 a month car payment. Should i divide the 500 by 12.

@NRush2009 3 жыл бұрын

So I'm doubling my payments per month? 🤔

@ladytosha15 9 ай бұрын

Basically

@romanticopoeta7532 4 жыл бұрын

"You remind me of the guy from "big moma"

@sandimarielavati2354 4 жыл бұрын

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@ahhc21 2 жыл бұрын

Note. unless you are tax exempt you will never own a car.

@Porsche35645 Жыл бұрын

Only illegal aliens, are tax exempt.

@RJ-cv2uw 4 жыл бұрын

Why am i here? im 2 years old

@DanielIles 5 жыл бұрын

If your interest rate is low enough it might actually make sense to keep the loan and invest in stocks that will get you a higher interest. 7% stock return - 4% vehicle loan interest = 3% gain from keeping a loan!

@angel0island0ninja 5 жыл бұрын

Are you a millionaire? With a car loan? Hmm. You are suggesting that people already in debt would invest and that just seems silly to me. Sounds like a gambling problem.

@DanielIles 5 жыл бұрын

angel0island0ninja I’m not a millionaire but my investments make more money than my vehicle loan costs. It would benefit people to put $1,000 into stocks returning 7% than on their loan costing 4%. You don’t have to get a new loan but if you have one already that would make the most sense.

@danielb3863 5 жыл бұрын

My car loan is 2.9, Im getting 2.45 in my money market. I can payoff the car today, however the payment is only 12% of take home pay and roughy half percentage interest spread is not worth it from an opportunity cost perspective. My total interest on that half percentage is like 140 bucks for the whole year. 3 year loan and tons of equity.

@DanielIles 5 жыл бұрын

Daniel B I agree that’s not worth the effort at all. But it seems the problem is with the return on the money market fund, not the loan. That is a low return on investment and doesn’t even outpace inflation most years. Do you have an aversion to index funds?

@danielb3863 5 жыл бұрын

Daniel Iles None. That money market is my emergency fund. So I keep it safe. I keep it at 100k at all times. 3 year emergency fund. I have Asperger’s, so I have to keep things in life simple and excessively stress free from a biochemical level. Every penny I bring in after monthly expenses goes to Roth and regular brokerage. I put 21% into my 401k, 15% me the other 6% is dollar for dollar match of my employer all immediately vested. I make about 80k gross from my job, dividends, interest and capital gains both short and long all together. Live well below my means, bring in 80k but I can live on 33k easily.

@rubensierra1542 3 жыл бұрын

300 a year??

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How To Pay Your Car Off Early

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