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  • Don't you just love that new car smell?

    新車的味道真好聞,對吧?

  • Smells like power and freedom!

    聞起來像權力與自由!

  • Actually, it smells more like petroleum-based solvents evaporating off vinyl and plastic.

    事實上,這味道比較像塑膠味。

  • Wow, buzzkill.

    掃興鬼。

  • Let's see if you still like that smell when you find out what it's really costing you...

    來看如果你知道車子花了你多少錢,你還會那麼喜歡這味道嗎...

  • I'm locking the windows.

    我要關窗戶了。

  • Since the auto boom of the 1950s, cars have become an integral part of American society.

    從 1950 年代汽車大流行起,汽車已成為美國社會不可分割的一部分。

  • Car companies spent 14.2 billion dollars in advertising alone in 2014 and that number is only rising.

    汽車公司在 2014 年一年砸了 142 億美金 (約 4,400 億台幣) 在廣告費,而這數字還在上升。

  • They convince us that once we're behind the wheel, our families will love us more, our neighbors will envy us, and our freedom to go anywhere is secure.

    它們灌輸大眾一個想法,只要有一台車,家人會更愛我們、鄰居會嫉妒我們,且可以隨心所欲去想去的地方。

  • Unfortunately, they're more likely to take away your freedom and security.

    不幸地,汽車反而比較容易奪走你的自由與安全。

  • New cars are a financial triple threat.

    新車為財務的三重威脅。

  • We borrow money at interest, to buy an asset that we have to pay to maintain and...here's the big kicker...that drastically depreciates in value.

    我們付利息借錢來買一個需要花錢保養的東西,更糟的是,它折舊率很高。

  • Waitwhat is depreciation, anyway?

    等等...到底什麼是折舊?

  • Hey Julia, would you like to buy some ice cream?

    嘿 Julia,要不要買支冰淇淋?

  • Uh, sure, I guess...

    好啊,我想吧...

  • That'll be four dollars.

    這樣是 4 美元 (約 123 元台幣)。

  • I wouldn't pay a nickel for that!

    融化的冰淇淋,連五角都嫌太貴!

  • But I paid four dollars for it twenty minutes ago!

    但我 20 分鐘前花了 4 元買的!

  • That's depreciation.

    這就是折舊。

  • Go wash your hands.

    去洗手。

  • Cars retain their value about as well as ice cream on a hot day.

    汽車保值的程度就像是在大太陽底下的冰淇淋。

  • A new car will depreciate 63% in the first five years.

    在五年內,一台新車會折舊 63%。

  • 10% of that the moment you drive it off the lot!

    在你開出售車場的那一刻就直接折舊 10%。

  • Calling cars a "bad investment" is like calling a honey badger a bad heart surgeon.

    說汽車是爛投資,就像說蜜獾是差勁的心臟外科醫師一樣。

  • What?

    什麼?

  • I mean they're not an investment at all!

    意思是,汽車根本算不上一種投資。

  • Exactly.

    當然。

  • I mean, can you think of anything else you'd spend that much money on that loses value that quickly?

    除了汽車,你還會花那麼多錢買什麼貶值那麼快的東西嗎?

  • Oh, I don't know.

    嗯,我想想。

  • How about a garage full of beanie babies?

    一個充滿豆豆娃的車庫如何?

  • Heh, I told you the 90's are comin' back.

    我說過 1990 年代要重新流行了。

  • Sure, hon.

    當然,甜心。

  • And don't think you can get out of this by leasing either!

    對了,別以為車子用租的就沒事了。

  • Leasing companies set their prices so that you pay for the depreciation of their vehicle, and when it's over they still have an asset they can re-sell.

    租賃公司可以制訂價格,等於你幫他們付折舊的錢,而當一切結束,他們也還是擁有那可以轉賣的汽車。

  • So let's set a few simple ground rules that will put you in the driver's seat instead of being taken for a ride.

    有一些基本規則可以讓你擁有一台車,而不是總是當乘客。

  • Number One, buy a car that's 5 years old.

    第一點,買五年以上的中古車。

  • Right away, you're skipping the majority of its depreciation.

    這樣你可以避免掉折舊最多的階段。

  • Number Two, save up to buy a car in cash.

    第二點,存現金來買車。

  • Paying interest on something that loses value is like gaining weight from exercising.

    為會貶值的東西付利息就像是做會增胖的運動。

  • All pain.

    有勞。

  • No gain.

    無獲。

  • Number Three.

    第三點。

  • If you can't comfortably afford to save an amount equal to your car payment, you can't afford it.

    如果你每個月無法存到足夠的錢來繳車貸,代表你買不起。

  • So if you're not saving $300 a month, you shouldn't take on a $300 car payment.

    所以如果你一個月沒辦法存 300 美元 (約 9,200 元台幣),那你就不該選每月得繳 300 美元的車貸。

  • So how much money is actually at stake?

    所以到底要花多少錢?

  • I think it's time to....run the numbers!

    現在到了...「算術時間」!

  • Let's say I buy a new car for $20,000.

    假設我用 20,000 美元 (約 615,000 台幣) 買一輛新車。

  • I put $4,000 down, and I finance the rest over 60 months at 4.25%.

    頭期款我付 4,000 美元 (約 120,000 台幣),剩下的以 4.25% 利率分 60 期。

  • My monthly payment will be...$295.42!

    這表示我一個月得付...295.42 美元 (約 9,000 台幣)!

  • That sounds pretty normal.

    感覺蠻正常的。

  • But check this out.

    但聽聽這個。

  • What if you bought that same car, but a 5 year old model, which costs you 63% less or $7,400.

    如果買同一款車,但是買五年前的型號,這會降低 63% 花費,表示這台車只要 7,400 美元 (約 227,000 台幣)。

  • Put your same $4,000 down, and with the same loan arrangement, you're looking at a payment of just $62.78/mo.

    頭期款一樣付 4000 美元,利率分期都相同,這樣一個月只要付 62.78 美元 (約 2,000 台幣)。

  • That's a monthly saving of...$232.65!

    表示每個月可以省下...232.65 美元 (約 7,100 台幣)!

  • I could get a massage every other week with that!

    這樣我每兩週可以去按摩一次。

  • You could.

    沒錯。

  • Or, you could take those monthly savings and put them into a growing asset, like a home or a mutual fund.

    或者,妳也可以把這些錢拿去投資,像是買房或是共同基金。

  • And if you continued to do that every time you paid off the car, even at a very conservative 7% per year return, in 35 years you'd have over...$421,459!

    如果你每次付車貸都這麼投資,以保守的 7% 年收益而言,三十五年後你就會有...421,459 美元 (約 1,300 萬台幣)。

  • Really?

    真假!

  • Wow.

    哇!

  • Now...is that enough to retire on?

    好,那這些錢夠退休用嗎?

  • Probably not.

    或許不夠。

  • But that's just one thing you can start doing now to prepare for your future.

    但這只是你現在可以做來規劃未來的其中一件事。

  • There are many, many more.

    還有許多選擇。

  • You know, as much I like that new car smell, I don't think I'd spend half a mil on it.

    儘管我很喜歡這新車的味道,我不認為這一路我會想要一直聞這個氣味。

  • Let's try this instead.

    那我們試試這個。

  • Ooh, what's that?

    這是什麼?

  • Early Retirement, baby!

    提早退休口味,寶貝!

  • And that's our two cents!

    而這就是我們的建議!

Don't you just love that new car smell?

新車的味道真好聞,對吧?

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想買車?這樣買讓你再賺一筆! (How Cars Keep You POOR!)

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    Mackenzie   發佈於 2019 年 11 月 15 日
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