Joe Pinsker
speaker
1,247 appearances
30 recordings
1 series
first heard Oct 2022
last heard Jan 2025
Joe Pinsker’s voice in public audio — every appearance, attributed to the second.
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Appearances
The main thing to keep in mind when you are trying to compare two loans is to look at the total cost of the loan.
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That is, how much money you're going to pay in total over the course of the entire loan.
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And the reason you want to pay attention to that is because one loan may have a lower monthly payment and seem like it's something that is...
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quote unquote, cheaper.
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But really, when you look at over what period of time those payments are spread out over, you might end up paying more in total.
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So you always want to make sure that you can afford the monthly payment.
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You don't want to push it up so high that it's going to be uncomfortable for you to pay.
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But you want to look at how much you'll pay in total over the life of the loan.
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The thing to bear in mind, whether you're leasing a car or buying a car, is there's room to negotiate just about everything.
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It's always worth asking because dealers and automakers may have more flexibility than they might initially indicate.
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Yes, exactly.
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There are all sorts of moves that you might want to be on the lookout for.
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But the real takeaway is just that it's always worth asking.
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Oh, definitely.
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It's not going to be quite a mortgage payment, but cars are expensive.
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And these days, just given how much the prices of cars have increased in the past few years and given how much interest rates have risen, there's actually a significant number of
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of car loans that have people paying $1,000 or more for their monthly payments.
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So this can take a significant chunk out of people's budgets.
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It's making people more attuned to whether the experience they're having is really worth it.
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When you've sunk a lot of money into something, maybe more than you would have wanted to, it might make you more likely to ask yourself how much fun you're really having when you're at that concert or that sports game or what have you.
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Showing 841–860 of 1,247 · page 43 of 63
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