월급모아 포르쉐, 구입 후 3년...

Summary

In this video, the creator reflects on their 3-year experience owning a Porsche Cayman, exploring the financial decisions and lifestyle changes that came with it. They discuss their initial excitement about the car, the realities of maintenance costs, and how owning such a luxury vehicle impacted their spending habits. The creator also touches on the idea of leveraging loans for investments and how they now plan to shift towards a more sustainable financial approach, focusing on saving for a home while managing current debts. It's a candid reflection on balancing luxury with financial responsibility.

Takeaways

• 😀 The speaker has been driving a Porsche Cayman for 3 years and reflects on his experience with the car.
• 😀 He initially purchased the car because of the Porsche brand's identity and heritage, not because of a strong passion for cars.
• 😀 Despite owning the car for 3 years, the speaker doesn't feel the desire to switch to a different model, including the 911, because he's satisfied with the Cayman.
• 😀 He mentions that many car owners experience an initial excitement when they get a new car, but this feeling fades after a few months.
• 😀 The speaker enjoys driving his Porsche, but he avoids engaging in reckless driving behaviors, such as excessive street racing.
• 😀 He has used the car for track events and drift practice, finding joy in exploring the car's capabilities in safe and legal environments.
• 😀 The speaker has driven the car for about 35,000 kilometers in 3 years, and he has had the engine oil changed four times.
• 😀 He has extended his warranty for the car, especially after hearing about potential issues with the PDK gearbox, and he plans to extend it further for peace of mind.
• 😀 The car was financed through a loan of 40 million KRW, with a repayment plan set to be completed in about a year.
• 😀 While reflecting on his financial choices, the speaker acknowledges that he could have invested the money in more productive ways, like in stocks or real estate, rather than purchasing the car.
• 😀 He now plans to focus on saving and investing wisely, with a goal of purchasing property in the next few years to build more financial stability.

Q & A

Why did the speaker choose to buy a Porsche despite not being particularly fond of cars?

The speaker appreciated the Porsche brand's identity and heritage rather than having a deep love for cars themselves.

What is the speaker's opinion on the Porsche Cayman’s design compared to the 911?

The speaker finds the Cayman design a bit lacking compared to the 911, especially due to its angular elements, which contrast with the typically rounded design associated with Porsche.

What is the speaker’s approach to driving the Porsche Cayman?

While the speaker uses the Cayman mostly on weekends and for occasional track sessions, they avoid using it in daily traffic or winding roads, feeling it would be a waste of the car's potential.

How does the speaker feel about the costs associated with owning a Porsche?

Although the speaker mentions that the costs (like maintenance and insurance) are higher than typical cars, they don't find it burdensome and continue to enjoy their Porsche.

What type of insurance and warranty does the speaker have for the Porsche?

The speaker has extended their warranty, planning to keep it until 15 years, especially in light of potential issues with the PDK transmission sensor, which can be costly to repair.

How did the speaker finance the Porsche purchase, and what was their experience with loans?

The speaker used a car loan to finance the Porsche, opting for a manageable repayment plan. They have nearly finished paying it off, and while initially worried about the debt, they believe it was a worthwhile investment.

What is the speaker's perspective on using leverage for purchasing the Porsche versus investing?

The speaker acknowledges that using leverage for purchasing the Porsche might not have been the most financially optimal choice. They believe that if they had invested the money in assets like stocks or real estate, they could have grown their wealth more effectively.

How does the speaker plan to adjust their financial strategy in the future?

The speaker plans to save more carefully, focus on creating a sustainable income, and aim to purchase property using a more strategic approach, balancing loans and investments to build long-term wealth.

What are the speaker's views on the balance between enjoying life and making responsible financial decisions?

While the speaker initially embraced a 'YOLO' mentality, they have now realized the importance of being more financially responsible and are focused on building a more secure future.

What additional expenses did the speaker face after purchasing the Porsche?

The speaker mentions that owning the Porsche led to increased spending, such as attending more social gatherings and indulging in hobbies like golf, which added up over time.