ទាំងនេះគឺជាម៉ាករថយន្តកំពូលៗដែលជនជាតិអាមេរិកអ្នកមានដែលរកចំណូលបានច្រើនជាង $200K បើកបរច្រើនបំផុត - នេះជាមូលហេតុដែលអ្នកគួរតម្រង់ឆ្ពោះទៅរកពួកគេផងដែរ

បើលុយគ្មានវត្ថុ តើអ្នកនឹងបើកឡានអ្វី? Mercedes, Bentley ឬប្រហែលជាសេះដែលកំពុងរត់ពី Maranello?

Those are what we think of as “rich people cars.” But reality is a bit different.

កុំនឹក

Personal finance personality Suze Orman had some very straight-forward advice for anyone looking to buy a car right now.

“Please do not pay up for bells and whistles.”

Here’s why she isn’t alone in that opinion.

Toyotas, Hondas and Fords?

According to a 2022 study by Experian Automotive, a lot of wealthy folks simply don’t drive fancy cars.

The study found that for people with household income of more than $250,000, 61% don’t drive luxury brands. They drive Toyotas, Fords and Hondas like the rest of us.

Other studies show similar results.

Customer experience and market research company MaritzCX found that the Ford F-150 pickup truck was the most popular vehicle in the U.S. for people earning more than $200,000 a year.

In fact, even the ultra-rich may not be splurging on exotic vehicles.

Mark Zuckerberg, who co-founded Meta (formerly Facebook) and has a net worth of $49.5 billion according to Bloomberg, is frequently spotted driving a Honda Fit hatchback. Amazon founder លោក Jeff Bezos was still driving a Honda Accord well after he became a billionaire.

Legendary investor Warren Buffett is frugal with cars, too.

កូន​ស្រី​របស់​គាត់​បាន​និយាយ​ក្នុង​ភាពយន្ត​ឯកសារ​ថា​៖ «​អ្នក​ត្រូវ​យល់ គាត់​ទុក​ឡាន​រហូត​ដល់​ខ្ញុំ​ប្រាប់​គាត់​ថា 'នេះ​ជា​រឿង​គួរ​ឲ្យ​អាម៉ាស់ ដល់​ពេល​មាន​ឡាន​ថ្មី​ហើយ'»។

No need to show off

We often associate rich people with lavish lifestyles — or at least that’s the impression we get from social media.

រឿងរ៉ាវនៅតែបន្ត

But in real life, that’s not always the case.

អាន​បន្ថែម: ជនជាតិអាមេរិកវ័យក្មេងអ្នកមានបានបាត់បង់ទំនុកចិត្តលើទីផ្សារភាគហ៊ុន ហើយមាន ភ្នាល់លើទ្រព្យសម្បត្តិទាំង 3 នេះជំនួសវិញ។. ចូលឥឡូវនេះសម្រាប់ tailwinds រយៈពេលយូរដ៏រឹងមាំ

Personal finance expert Dave Ramsey points out that for those who have built their first level of wealth — he defines it as having a net worth of between $1 million and $10 million — the cars they drive are “understated” and that “the valet is seldom impressed.”

“It’s usually a used Camry or a nice used Honda or a nice old pickup truck of some kind,” he said during an episode of The Ramsey Show.

“People that achieve that layer of wealth, that $1 to $10 million dollars, the way they did it is, they didn’t do it for you. They’re not mad at you, but they don’t care what you think. They were not living their life to impress others.”

Simply put, they’re not trying to keep up with the Joneses.

Especially given the rise in the costs of car ownership, Suze Orman says your objective when buying a car right now should be a simple one.

“Your goal should be to buy the least expensive car. Period. That should steer you to a used car rather than a new car,” she បានសរសេរកាលពីសប្តាហ៍មុន.

Will cheap cars make you rich?

There are several reasons why you might want to think twice before purchasing a luxury vehicle.

The first one is depreciation. Cars start losing their value the moment you drive off the dealer lot. According to U.S. News, the average depreciation for all vehicles over the first five years is 49.1%, while luxury brands can lose a lot more than that. The average five-year depreciation for a Mercedes S-Class is 67.1%. For a BMW 7 Series, it’s a whopping 72.6%.

Moreover, luxury cars can cost more to maintain and ធានារ៉ាប់រង than economy cars. So what you have to fork up ends up being much more than just the purchasing price. And once luxury cars run out of warranty, they can also be more expensive to repair.

Don’t forget, there’s opportunity cost as well. The more money you spend on an expensive vehicle, the less you have to put into your investment portfolio. That potential return — which can get compounded as time goes by — is your opportunity cost.

This might have been a less convincing argument when you might have needed hundreds of thousands of dollars to warrant a wealth manager to invest your money. But these days, it’s easy to start investing. You can even build a smart investing portfolio just by using your spare change.

អ្វីដែលត្រូវអានបន្ទាប់

អត្ថបទនេះផ្តល់ព័ត៌មានតែប៉ុណ្ណោះហើយមិនគួរបកស្រាយជាដំបូន្មានឡើយ។ វាត្រូវបានផ្តល់ជូនដោយគ្មានការធានាគ្រប់ប្រភេទ។