Why put the 3K on the card ? You should of financed that into the loan. I am sure your paying more than 5.5% on that card....

@shady610

Жыл бұрын

He may have had cash on hand. This is probably for points.

@cutlerylover

Жыл бұрын

the card is a business account that has 0% interest for 24 months...the goal is to pay it off before it accumulates interest, if the 3k was put into the loan the monthly payments would be more...

Your transparency on all your personal information and everything else as far as what you paid what you owed and your whole situation is honestly why I love your channel and everything about you. You’re a great guy and so helpful to anyone you come across. I am in the exact same position you were in right now. I have good credit and a good job but I just can’t stomach a 6-700$ payment but I want the Toyota Tacoma sooo bad. I completely relate to your father’s situation as I’ve been living breathing and thinking Toyota Tacoma for the last year now. They are soo expensive but so worth it, it’s just the dam interest rates are so bad right now. Anyways thanks Jeff for this video I know it’s a few months old but I saw at the perfect time.

@cutlerylover

7 ай бұрын

thanks for the comment I will say the interest rate almost made me walk lol going from 1.9 to 5.5 made me nautious but at the end of the day life is short I said F it, lol...If you want a tacoma and run the numbers and know it wont end up getting repoed go for it and enjoy it...You will know your overpaying a bit but thats just what it is I dont see them getting any cheaper as time goes on I think the new prices hit for the hybrid ones ands they are seriously up there...now may be a decent time to get into a used one with alnmost no mileage for a big discount...

@valenteleanos4774

7 ай бұрын

@@cutlerylover Yea You’re right, thanks Jeff

That's a damn good lookin truck, Jeff, congratulatios! I'm pretty sure you'll love this truck forever!

In October 2022, the 2015 Silverado 1500 we inherited from my wife's Dad was totaled out by a Sherrif's SUV. The insurance check afforded us a 2020 4Runner TRD Off Road (Auto-Trans) with a whopping 10k miles on it (literally owned by an old couple as a winter vehicle). I really dig the 6 Banger compared to our 2000 Tacoma SR5 4-Cylinder (5-speed manual). Both are Gray-Man looking vehicles (they're both plain old Silver) & we've had the Tacoma 20 years! Our 3rd vehicle is a 2003 Silverado 1500 Shorty-Side-step fire engine red. It's currently residing in my late F-i-L's garage 420 miles away. We're using it as the trailer hauler while we clean out the place so we can move in eventually.

You always been a great storyteller

@cutlerylover

Жыл бұрын

thanks

I also purchased a Tacoma with the idea I would keep it for 20 years. 2013. After 10 years I've only had to replace the cruise control stalk, do a lot of highway driving. OEM used, $25. If the next 10 years is anything like the last 10, I'll definitely have gotten my money's worth.

I bet that $2,500 they took off the price toward the end was homeboy's commission loss for confusing everyone with wrong details. Live and learn bro.

@cutlerylover

Жыл бұрын

I dont think the salesman make that much on a commission but thats just my guess...

@jonnytaylor8215

26 күн бұрын

@@cutlerylover just looked it up , says 20-30% commission so roughly 15k

Thank you for sharing I have the same ideas you were talking about with your truck

As someone whose channel is devoted to modifying my tundra you can absolutely modify it and stay under warranty! Just stay under a 3” life and don’t mess with electronics!

Lol what you said about Tacoma nicknames at the end. My one buddy texted me one day and told me he got a "taco truck" and I was like wtf because I literally thought he meant like a food truck, a taco truck. I had no clue what he was talking about.

@Dankcatvacs

Жыл бұрын

yeah its called a tacoMA people are goofy

@cutlerylover

Жыл бұрын

haha

Can't go wrong with the Tacoma. Such a beautiful truck

Nice buy. Just got mine last week.

Paid off my 2015 altima last year..my son turned 16 and i gave him my car. I ended up getting a 2023 gmc terrain...i hate the huge payment but have peace of mind knowing i have warranty on it instead of buying a used junker that i dont knw if ill have problems with.

Yay story time! Need more ❤

I've never heard of people putting a car purchase on CC. Probably not a bad idea given the perks-but you have to have the cash to pay it off right away to take advantage. Hopefully that's your plan.

I’ve had 2 Tacoma’s. One was a 2017 and my current one is a 2021. Made the mistake of buying a new Ram in middle. 🫤The 2017 was fairly heavily modified. My current one is only lightly modified. One little piece of advice I’d give is don’t go crazy with the mods haha. Weight, aerodynamics, and dependability start to go down a little in my opinion. Obviously if you have unlimited money that’s no big deal, but still making payments makes you think about it haha. I’m going to do the same thing, drive it till the wheels fall off! I’m tired of car payments. I’ve bought something new every two years. Luckily I have a work truck also so the Tacoma has only racked up 7000 miles in the last couple years. My trucks name is Tacomole!

GodDAMN Rocco's a beat, excellent buy, my friend!! He will serve you both well.

Truck looks like it's grinning 🤣lol

I agree with what you said. Life is short, if you want something then just do it.

I’m back and forth between a Tacoma and a Highlander right now. One kid right now with hopefully another in the near future so weighing in on the space

My Older sister has a Toyota Tacoma she has hers for 20 year's drove it out of state a few time's they are tried and true for running long time.

Thats more than my mortgage payment😂

@cutlerylover

Жыл бұрын

damm you have a cheap mortgage :) congrats!

Great truck just got my third Tacoma a black 23 pro

I love all of Toyota's safety features that are part of their Safety Sense 2.0👍 I got in 2022 a new 2022 Toyota Corolla Hatchback XSE that was made in Japan, and I absolutely love it😁

@cutlerylover

Жыл бұрын

👍🏼

Just bought a Top of the line Ford Bronco. I need to modify it to my liking. Also got a Pontiac Solstice. Brand new. 71 miles on it. Great for the wife..

To the holding their value topic, my local dealer just sent me the current Carfax vehicle report for July. My 2019 Tacoma TRD Off-Road, with low miles at 15,963, is valued at $36,950 trade-in. Whether I'd get that in a private sale, who knows, but that price is around what I paid for it. Love Toyota resale values, having got 54% on a 1989 P.U. with 120K at 8 y.o., and 56% on a 2001 Tundra Limited with 87K at 12 y.o..

@cutlerylover

Жыл бұрын

yeah thats great! I got lucky with the challenger dealers couldn't get them during the chip shortage they offered more than I owed then with the RAV the demand was higher becasue dealers cant build them they just bet what they get because of the current market so they wanted mine and paid more...but this trend for me cant last lol times change..before all that my 200 I financed for $19k paid it off early had it one year with no payments then it blew up sold it for 3k...lol

That is a very nice Truck!

You had access to a miata, didn't do fat man in little car I'm disappointed. 😂

@albertreade7607

Жыл бұрын

Go back to school and work on your grammar 😂😅

@cutlerylover

Жыл бұрын

I drove it a few times sure it was a squeeze lol but it was fine I could drive one for a few hours if I had to...

the sport and off road are essentially the same truck. The off road has crawl control where the sport does not. you can add the tech package to any of the TRD's or Limited models. Leather typically only comes standard in the Pro and Limited models. If you have leather in an off road it must have been an add on. Either way you are going to love the truck

@cutlerylover

Жыл бұрын

thanks I do love the truck, but the diffferent models really are different enough in many ways to pay the extra for a specific one your lo0king for...the sport model and offroad are very different trucks in their capability and have different suspension, as well as different wheels and rims, the offroad comes with 16" rims with bigger tires in this case an all terrain goodyear wrangler with kevlar, of course theres a lot the same like the cab and most of the interior but you cant gte leather in the sport you cant have a sunroof, the Bilstein shocks in the offroad are not availabe on the sport from factory, crawl control and locking differential options are only available on the offroad and pro...if someone just wants a tacoma to have one they can stick with a basic Sr for $30k, half the price of a loaded one lol..

@BoiseTDI

11 ай бұрын

More importantly, the off-road has the rear dif lock while the sport doesn’t.

I was hoping you were gonna take us for a ride Jeff! 😢😂

@cutlerylover

Жыл бұрын

plenty of that come winter time :)

I have a 2019 Tacoma sr-5 its been a great truck, A little pricy but worth it.

Hey Jeff, That clean spot on the door is driving me crazy. Tacoma is a looking truck I to wouldn't mind getting one but I just traded my 22 White Outback for a 23 Black Outback with all the bells and whistle's, and I too will take pictures of every where we go. Jeff great story.

Prices on cars are outrageous now days..i was looking for a truck but they were all too expensive.

Not sure if yours has this little Easter egg, but my wife’s Highlander has a cool feature where if (drivers door) you put your hand in the door handle to unlock it and hold it there for a few seconds, it unlocks all the doors and not just the driver door. Convenient cause if you’re by yourself you can unlock just your door and if you got people waiting on you, you can unlock all doors

@cutlerylover

Жыл бұрын

thanks so far im use to unlocking my door then hitting the unlock button inside the door for my wife to get in the passenger side this would be very helpful if it works on the tacoma! much appreciated :)

Still love my 23 tacoma trd off road, I feel the same way about it as far as having the v6. Things I have done to mine, falken wildpeak all terrain, trd lift kit,trd aluminum skid plate,back rack. Not very happy with the backrack quality...

@cutlerylover

Жыл бұрын

thats awesome once again congrats!

Man i thought i had it rough with $458 payments... then again i do got it a bit rough paying 28% interest on a 7 year loan on a stupid 2015 nissan juke SV. I wish my 2004 Cadillac CTS hadnt blown up because then i wouldn't be in this stupid situation.

Change that honeycomb grill! Lol

@b5maddog

Жыл бұрын

I like it 👍

My buddy got a new 22’ Tacoma he’s had about a year now(7500miles) and we both think it’s ok just has become overpriced for what it is… His 4wd actuator is broken(won’t go into ANY 4wd high or low, known issue they will fix free just hasn’t) after 6 months, the sensor in the front emblem(yes there’s a sensor in the emblem) malfunctioned or was having trouble & replaced, and the bed makes this annoying squeaking sound we and nobody else can figure out… He always complains about some kind of automatic driving feature(he can’t turn off) that kicks in all the time(especially on two lane roads) that he HATES and has to fight in the steering or brakes/gas?(I’ve never drove it so I don’t know exactly what he means). Other than that the bed is tiny, road noise isn’t great, and I was really surprised how small it actually is inside and out… I personally like the truck, but my buddy hates the issues he’s had on a brand new vehicle(especially his first toyota), and if he could do it over he says he would probably think a lot more about going with a Tundra for how expensive the Tacoma was, what $ he put down, and for better towing/room. He wanted the one with the bigger bed, sunroof, and some off road “sports package”(idk what that includes) but they were impossible to find at the time he was looking to buy. One other thing I noticed was the seat height to floor ratio, the seats seem to sit a lot lower to floor compared to “American” trucks that sit higher/normal, in the Tacoma my feet feel way forward like my thighs are close to the floorboard, instead of more up & down like a couch feeling in an American truck, idk it was just different from trucks I’m used to, guess it’s like a more “high performance” seating like in a corvette or something being lower to the floorboard body roll and turning doesn’t feel as bad/extreme… I just hate how expensive its become, I remember not long ago when Tundras were 50k$ and Tacomas were actually affordable trucks regular dudes could own/afford. I’m glad you love your new truck! I like your plan for keeping it long term, I think that’s a good idea! These trucks really hold their value!!

My buddy did the same thing, but he leased it. Save 3 years of income tax refunds and then purchase the car after his lease . This way, they have payments around 300 for the time of the lease and financing

@LiquidRetro

Жыл бұрын

Refunds like that and being able to afford a new truck generally mean he needs to adjust his withholding to prevent giving the government interest free loans.

Damn, $614.00 a month for a car payment😬

@cutlerylover

Жыл бұрын

some people pay over $100 a month for a car payment :) If I had poor credit my payment would be around $850...

@dcrickerson7611

Жыл бұрын

I wonder how many years?

Highly recommend the non slip Tacoma bed mat. Keeps everything from sliding around like it’s on ice.

@cutlerylover

Жыл бұрын

thanks its on my want list :)

Tacomas had a reputation in the north, for having frame damage from rust.

@keithdosik

Жыл бұрын

They did a recall for that, that was the previous generation.

@snoopu2601

Жыл бұрын

I guess it depends on where or part of the region you live to how long these truck's last. I just got through writing my older sister had hers Tacoma for at least 20 year's and still driving it and it's not in bad shape. She lives in Northen California so the weather not bad where she lives. I've been to South San Francisco and most of the car's truck's that are by the ocean are pretty much rusted out. From always being misty rainy salt water from the ocean.

@vb2k3

Жыл бұрын

My dad got a new 97 Tacoma, in 2005 he had to replace the entire frame which was about 7-8 grand, since the warranty expired. He sold it later that year. Couple of years later Toyota extended the warranty to like 15yrs from date of purchase. Left a bitter taste in his mouth since he loved that truck and his previous T-100

@littleteethkeith

Жыл бұрын

The company I work for has four 2004 Toyota Tacomas that are still in use. The frames were replaced on that recall but other than that they still run fine. We have new ones too. I love Tacomas.

Hey man, you only live once so you might as well spend the money you make. Especially with no kids... LIVE IT UP Jeff!!!! Cant take the money to the grave with you!

@cutlerylover

Жыл бұрын

you also cant take debt, LMAO

what about the rav4? edit i guess this the video i was waiting for

@cutlerylover

Жыл бұрын

yes I traded the Rav4 in to finance this truck

i just got a 2020 taco. looks just like yours. first mod, get the bed stiffener's, it s a glorified plastic bed. I down graded from a 2008 Tundra. but its a upgrade! people talk about power, this kicks the shit out of my Tundra

@cutlerylover

Жыл бұрын

hye thats awesome congratulations!

If I didn’t have the need for a full size truck I’d want a Tacoma

Turbo’d 4 cylinder? What?! 😂🤣

@cutlerylover

6 ай бұрын

yes :>) the bae models will be turboed 4's to get the gas mileage numbers and EP regulation gods happy lol it will burn up the motor early which is fine then you have to buy another truck and they win twice...but its true instead of doing NA 6cyl engines its common to see factorty turboed 4's...

Would have liked to see you point out some of "all of the details" under the hood, interior, a POV drive but it's a still shot of the car throughout. Words are good but to see the actual in and outs of the all the features would have been nice. I guess it's ok though cuz then you have more things to make videos on showing the POV drive, 5 likes and 5 dislikes and stuff.

Wow you're rich kolonel You've come a long way since the chrisler 300

@cutlerylover

Жыл бұрын

it was a 200 and I make less money now than I did then LMAO

I bought a new Acura TLX 4 cylinder twin turbo. If the "Green Agenda" means i get 300 Hp with 32 MPG. Well sign me up i guess, lol.

Bought an SR5 last October, always wanted a Taco since I was in high school. So far I’ve done a couple cheap mods like adding OEM bed lights, a millercat catalytic converter shield, and upgraded the halogen low beam bulbs. My recommendation is stay off tacomaforums if you want to save some money 😂 congrats on the truck Jeff!

Hi Jeff congratulations let me know if like do something together with truck

I wouldn't lift it it'll ruin it and sink its resale value

@cutlerylover

Жыл бұрын

I agree for a newer one I think guys like old lifted beat up trucks that are cheaper lol

That's a lot of money you spent but at least you won't have to worry about repair bills.

@cutlerylover

Жыл бұрын

yeah thats my idea, I could have gone older but im not sure if the repairs would cost more annually then the payments lol

Excellent choice. Off Road is def not middle road. It’s the second to last trim level. It’s very premium. And I love my TRD Sport.

I have a Toyota Tundra V8 sr5 2000 its the best

Toyota probably holds there value more than any other vehicle

Hopefully no stigmas about them being made in Mexico will decrease their value.

@cutlerylover

Жыл бұрын

They were made in Texas for a long time just crossed the border lol the mexico thing shoudnt matter most people dont even know that kind of stuff just specific car and truck guys but mostly the QC matters...

Jeez a lot of haters on here considering they aren’t the ones that have to make the payment. How about shut up and let Jeff enjoy his truck?

You should get you a tool box

Manual? Free oil changes?

@cutlerylover

Жыл бұрын

automatic I heard the manuals suck in these but believe it or not Im a man and HATE manual :) lol...and yes free maintenance for 2 years

@cutlerylover

Жыл бұрын

well nothgins free its paid for in the vehicle price lol

Total crap, that is how every car sale goes. They knew what you said with the down. Just tried to dupe you. Total crooks. I hate dealing with them . Good thing I'm a bigger a hole then they are.

@cutlerylover

Жыл бұрын

I really think he was just green, he made many mistakes with not just us, the day we met him half the time he was getting yelled at by the manager for another sale...lol

@Nordraw

Жыл бұрын

@@cutlerylover one good thing, I had three Tacomas in a row from 1986 to 2017 put 180,000 plus miles on each one and was never, not once stranded on the road by any of the three in 28 years.

$14 is about what you spend on water bottles a month right?

@cutlerylover

Жыл бұрын

its more like $5 a month which is what a case is 24 costs...

Is this new of a Tacoma actually naturally aspirated?

@cutlerylover

Жыл бұрын

no the new 2024 tacomas have a turbbo charged 4 cylender

End of an era! The whole v6 thing is making me want to keep mine forever. But I would fancy a Super Duty.

nice

Nice taco, ma

Just bought a 30 year old Miata myself, they still are a great answer for cheap fun car!

@cutlerylover

Жыл бұрын

nice congrats

Please don't take this the wrong way, but the way you told the story makes me feel a little bad for your dad... I'm sure it's not a big deal, but it sounds like your dad had wanted a Tacoma for a long time, and it took him a long time to be able to get his 2015 Tacoma which I'm sure he's super proud of, then you go get a 2023 a couple days after? And please, I'm not being a dick, just saying what I felt when I watched the video, I felt like you announced your engagement at his wedding....was there none of that? Am I crazy? Thanks Jeff, congratulations on your truck!!

@VV-cy9gf

Жыл бұрын

Same. The start of the story sounded like he fulfilled his dad's dream by finally gifting him his dream vehicle but it turned out to be a story of an emotionally charged decision of going into a financial commitment to profit the dealership (which produces no value) and a bank.

@cutlerylover

Жыл бұрын

My dads the best becasue he wants me to be happy so he was more than excited for me to get one too so we can both enjoy new trucks :) Only a selfish father would be angry or disappointed...

You should really sell any precious metals you have to pay off the credit card. Makes zero sense to pay interest on a credit card while hold metals…

@cutlerylover

Жыл бұрын

well if I pay off the debt I owe and dont have any metals left I dont have a backup plan on a financial crisis...if I hold debt I can eat the interest and still figure more problems out

What year is it?

@cutlerylover

Жыл бұрын

2023

Hey just FYI, I think your channel is being shadow banned and whenever I click on your vids I get ads for herpes meds! LOL

@cutlerylover

Жыл бұрын

Thanks Charles, yeah ive been shadowpbanned for years...

@user-hw3yy5ge4n

Жыл бұрын

@@cutlerylover that's wild. your not even controversal at all

@cutlerylover

Жыл бұрын

@@user-hw3yy5ge4n well there are a lot of different factors why they do that, I dont get as may views as I use to so they try to push my content to the side so more people see the channels with millions of subs so they make more money...they dont mind the millions of videos on here but really only want people to watch the top 1000 channels so they make more ad money...

@user-hw3yy5ge4n

Жыл бұрын

@@cutlerylover not cool

Change your oil at 1,000 miles. For your first oil change, then every 5,000 miles after that.

@Surago

Жыл бұрын

That's not necessary anymore. They don't use break in oil and filters are much better than they use to be.

@cutlerylover

Жыл бұрын

it cant hurt anything but I did tat in the RAV and now its gone lol...

@jt31713

Жыл бұрын

I’ll second that , oil is cheap , it’s a no brainer .

Why not a ford raptor?

@mattyoz0

Жыл бұрын

Because it's a Ford.

@MidwayShooter

Жыл бұрын

@@mattyoz0other than a Toyota what’s isn’t overpriced & a POS ?

@cutlerylover

Жыл бұрын

too expensive, who wants a super fast truck? not for me...Also I dont have anything against ford from personal experience accept I dont think they are as reliable as toyota...

@MidwayShooter

Жыл бұрын

@@cutlerylover my buddy has one , very over priced & it’s been in the shop again , again & again. Getting a leman law settlement.

@cutlerylover

Жыл бұрын

@@MidwayShooter im sure they are fun as hell when they work, as are all cool vehicles :) just out of my budget...but Id prefer a really fast car over a fast truck...

Hey whatever you gotta tell yourself to justify it. I'll stick with my 20 year old truck and $0 monthly payment.

@TundraSabre

Жыл бұрын

It’s not Jeff’s fault you can’t afford a new truck

@snoopu2601

Жыл бұрын

I bought a used GMC FLEETSIDE SHORT BOX, my older brother rebuilt my engine. I drove that truck just about everyday for 15 year's and it was time to thin the heard. The same day I put a for sale sign on the window the young kid couldn't get his money out fast enough. No payments that truck never let me down. I always bought a used car or truck first thing is check the breaks then go through the engine. I grew up with mechanic and machinist. If you got the money to buy new that's great to but even though it's brand new don't mean it's not going to break down. I can't count how many "NEW" broken down car's truck's on the high way passing up in my old truck.

@peaceandwealthseeker4504

Жыл бұрын

Sounds good for you but others like to enjoy new things

@cutlerylover

Жыл бұрын

that ideas can go across the board with anything, why buy new plates if your old ones work why get new shoes if the old ones you already own work fine? we all buy new stuff we dont need becasue it bring sus joy and in some cases can be helpful, sure IM have a car payment but I dont have to worry about any repairs for a while which is GOLD to me, lol Id love to be you in 15 years long after I have owned this truck and have enjoyed it payment free...I had 0 opayments on ym 86 K20 and it cost me $6k to keep fixing over the course of 3-4 years...

@TundraSabre

Жыл бұрын

@@jacobpoucher explain why used ones cost as much as new ones then. Toyota holds its value.

My medical insurance is 2 truck payments. Yours is more fun.

So you 1 upped your Dad

@cutlerylover

Жыл бұрын

not in his eyes...hes a great father and isa very proud of me...parents always want better for their kids and dont get jealous...