How "Affordable" Car Payments Are Eating Away Your Salary

Описание: The $772/month trap is hidden in plain sight. Are you driving your car, or is your car driving you to a financial dead-end?

In 2026, the average new car payment has hit a staggering record, but the "monthly price" is the least of your worries. In this forensic audit, Cole breaks down the "Payment Hypnosis" used by dealerships to keep you in a cycle of "Affordable Poverty."

Most professionals believe they are earning a high salary, but after calculating the Lifestyle Subsidy and the Work-Support Scam, their "Real Hourly Wage" is closer to a barista's than a director's. We’re not just talking about gas and insurance; we’re talking about the $400,000 Opportunity Cost that is stealing 10 years of your retirement.

In this video, we calculate:

Payment Hypnosis: Why "just $50 more" is a six-figure mistake.

The Real Hourly Wage: How to audit what your job actually pays you after commuting costs.

The 10% Rule: The mathematical shield that determines if you can actually afford your life.

The Forensic Exit: How to stop the bleeding, sell the liability, and reclaim your Time Equity.

If you’re tired of subsidizing your boss and your bank while your bank account performs a slow-motion suicide, this audit is for you. It’s time to stop looking at the monthly payment and start looking at the numbers.

Stop being a passenger in your own life. Let’s look at the bloodwork.

Key Moments / Chapters:
0:00 - The Grave in Your Driveway
1:15 - The "Affordability" Lie
2:45 - What is Payment Hypnosis?
4:10 - The Work-Support Scam
5:50 - Calculating Your Real Hourly Wage
7:00 - The $400,000 Opportunity Cost
8:15 - The 10% Rule (The Solution)
10:05 - The Forensic Exit Strategy