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。

Wait… what 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！