$1,000/Month Isn’t a Flex — It’s a System

Описание: A $1,000/month car payment isn’t a flex — it’s a system.
Term stretching turns “affordable” into a lifestyle tax.

In Q4 2025, 20.3% of financed new-car purchases came with $1,000+ monthly payments. The average new-car payment hit $772, the average amount financed hit $43,759, 84-month+ loans were 20.8% of deals, and the average APR sat around 6.7%.

This video breaks the trap with plain math: why “what’s the monthly?” is the wrong question — and how to cap the term first so you don’t cap your life.

In this video, we cover:

The “term illusion” that makes bad deals feel safe

Total paid vs. amount financed (the hidden math gap)

60 months vs. 84 months: same car, different life

Depreciation + underwater risk (why time is the real bill)

The only escape rule: term cap + price cap + down payment discipline

Sources Mentioned:
Edmunds (Q4 2025 data)
Consumer Reports (long-loan risks)
AP News (negative equity / underwater reality)

Disclaimer: The purpose is to inform viewers about finance in a responsible, educational way, not to provide financial advice. This video is for educational and entertainment purposes only. I am not a financial advisor. Please consult with a professional before making major financial decisions.



00:00 Showroom Trap
01:15 Car-Poor Meme
01:38 Term Stretching
02:27 $1K+ Normalized
03:16 Rebuild the Math
04:31 60 vs 84
06:30 Depreciation Risk
08:24 Add-On Graveyard
14:05 Negative Equity
18:18 Escape Rule
#personalfinance #savemoney #carbuyingtips