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Only $10 for all 2026 SX, MX, and SMX series.
If you're making good money, have a big down payment, and budgeting well then you could get away with having fun with the bike. Otherwise I would suggest saving up for a used bike.
.....What are your other opitions for that money? For business people they put the cash to work in new investments that might bring a 15% yearly return. Your 30,000$ investment could be one that might bring 15% in yearly return while increasing in value over 5 years to a worth of maybe 35,000$ .......that new 30,000$ car may be worth 15,000$ in 5 years.
Borrow the money for the car. (whether the purchase of the car is a good thing or not is another discussion) 30,000$ @ 5% for 60 months. 566$ per month. Total payments = about 34,000$ for an item that is worth 15,000$ at 60 months.
Invest the money at a return of 15% per year. 30,000 X .15 = 4500$ After 5 years that 30,000$ has turned back into 22,500$ cash and you still own an investment or asset that has increased in value to maybe 35,000$ Total asset value could easily be 57,500$.
Buy with cash:ash: after 5 years you have spent 30,000 for an asset that is now worth 15,000$ A 50% loss.
Buy with credit and invest the cashsh: Spend 34,000$ in payments and then own a car that has a value of 15,000$ Buy investment for 30,000 that brings returns of 22,500$ over 5 years and increases in value to 35,000$
35,000+ 22500+15,000-34,000 = 38,500$ vs 15,000$ .........a 23,500$ difference at 5 years end by borrowing the money for the car.
This type of stuff is how investors get rich....especially when they do it many times a year over and over.
The Shop
DeCal Works Huge Plastic Inventory of UFO and Polisport kits.
Luxon 4-Post Bar Mounts
$189.95 - $239.95
Where? Lemme guess......a Powersports dealership? And financed it where? A Powersports dealership?
Not even sure what to say about this post.....no wonder this country is down the shitter due to to personal debt.
I work from a dozen MX tracks here in Ca., my boy rides and I'm on my laptop banging away at work emails from my truck. I'm super thankful for the tech age we live in, internet hotspots allow you to take your office with you anywhere.
Cash in hand is key to me.
Im of the belief that monthly payments can benefit you ONLY if you do something with the money you have saved and would have used to pay cash for what ever item it was.
If you are just letting it sit in a bank account then you are getting bent over twice.
Luckily for me I have a TON of options from my employer that allow me to make moves with my money and investments so I am able to do what I want. I know not everyone has that option and at that point, priorities take a precedence.
I have never owned a brand new car, nor have I ever financed a bike. But the options are there and everyone has choices that fit them best. There is no one way that is right for every person.
The bikes value will.
If you pay cash you lose XX amount as soon as it rolls out the door. Trying to make this simple.
So if you finance yes you lose the same value on the Bike. You are paying what you lose and what you have slower. It is a softer hit to the bank.
Sure if you money to burn as someone basically suggested, I am sure it doesn't matter. But for people watching their pennies financing is the better option.
As for anything you can over do it. You eat to much Mcdonalds you will get fat. You train to much you get chronic fatigue. You of course can finance too much and always be in over your head.
A good way to keep track of where you are financially is if you had to liquefy your assets and it comfortably covers your outgoing debts, you are in not to bad of a position.
What do you do? live in a box? get real dude. No shit people are in personal debt. Shit cost an arm and a leg and there's a shortage of jobs that pay a damn.
Anyhoo
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what you choose to do definitely depends on the rate offered and your personal situation.
sub 2% financing is about as close to free money as you can get.
The best of both worlds is to pay cash (if possible) to avoid interest and buy lightly used to avoid sticker shock and mass depreciation. My $.02
BTW......I know these numbers work because I do it. I own rental properties and buy and sell houses. This isn't a theory I cooked up, it's a real life example of things I have done. One of my houses that I bought in 2013 I sold in 2014 for let's say a good bit more than the 5,000$ appreciation in 5 years like I talked about.
....and obviously the best bet is to continue to drive your 100,000 mile car or truck that you own and invest that 30,000$, but you also only live once and for how long nobody knows.
I read a lot of corny stuff about wealthy and successful people. Hang on to some of it and throw away a lot of it, but here is the famous "Millionare Next Door" read that has a lot of real insight into the lives of everyday wealthy people.
Millionare Next Door
This could be a used $2500 bike that was financed with a personal loan at the bank. It doesn't have to be a new bike financed at the dealership. And the guys paying cash can be doing it on craigslist or at a dealer.
Pit Row
This concept is called the time value of money. It is probably one of the simplest concepts used in accounting and economics. you should Google it, you will learn a lot (not being a smartass here)
He knew what he wanted 06' and later YZ 250 and worked a deal, then had plenty left over to bling it out. He's never really had a "purty bike" but he likes what he's built here.
Time value of money is a different concept, it doesn't really apply to this situation. The TVM issue concerns the value of money in general, not the return on an investment or account. The TVM shows that it's usually better to have a dollar today than a dollar five years from now. Where you choose to invest that money today determines whether or not you will have significant opportunity costs or not.
Looked around for 0% and Honda were the only people doing it near me. A left over 2013 crf250 on 0% figured it was a good deal.
7 dirt bikes for me
3 dirt bikes for my son
4 street bikes
None of the dirt bikes were financed
All the street bikes were financed but paid off/sold early
I don't like owing anyone anything if I can avoid it. Houses and primary family car are unavoidable in my salary band. The rest should be avoided if possible in my opinion. I don't have any fancy figures to quote other than it just doesn't feel right. I think we all have pre-spent cash we haven't gotten quite YET though. lol
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