30 Minutes of CRAZY Financial Decisions | Can’t Pay Rent & Wants a $1,300/Month Repoed Mercedes E400

In this episode, a series of real phone calls reveal how fast car payments turn into financial traps when high interest rates, negative equity, and unrealistic expectations collide. From luxury cars worth half their loan balance, to repossessions, teenage buyers using parents’ credit, and people making $3,000 a month while paying $1,500+ on car notes, the gap between what people think they can afford and the math behind it is impossible to ignore. I break down what actually happens when 20–29% APR loans, bad credit, and depreciation stack on top of each other. We talk repossessions, refinancing myths, rolled-in debt, insurance costs hitting $1,000 a month, and why trading one bad deal for another only restarts the cycle. No hype, no judgment. Just honest conversations about credit, income, depreciation, and total cost of ownership. Real calls. Real numbers. Real consequences. 00:00 Customer wants me to buy her repossessed Mercedes from auction and sell it back to her to get a job 04:10 Miami couple selling luxury cars asap to leave country because of raids $40,000 negative equity 07:28 Upside down in Lamborghini Urus he wants out 9:29 16 y/o puts parents in $125,000 in debt renting luxury cars, wants out 12:57 Maserati owner shocked it has over $100,000 in depreciation 15:26 Kia forte $819/mo, 29% interest, $450/mo insurance 19:28 26% interest rate on Mercedes with 170k miles 21:21 College football player makes $50,000 a month wants to upgrade his Kia 24:26 Driving a Scat Pack for food delivery is wild! 96k miles 27:22 She paid almost $180,000 for this BMW M8!! #cardebt #financialliteracy #financialplanning #cardealer #cardealership #dealershiplife #carfinance #cars #kia #sales #debt #credit #loan Social Platforms: IG:   / ridewithyusuf   TikTok:   / ridewithyusuf   FB:   / ridewithyusuf   X: https://x.com/ridewith_yusuf Linkedin:   / yusuf-benallal   ✅ Subscribe for more insider car sales advice, negotiation breakdowns, trade-in evaluations, and dealership business tips.