I'm 58 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, we are finding it impossible to replace it. We can get by, but cant seem to get ahead. My condolences to anyone retiring in this crisis, 40years nonstop just for a crooked system to take all you worked for...
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future. Putting our time and effort in activities and investments that will yield a profitable return in the future is what we should be aiming for. Success depends on the actions or steps you take to achieve it. "You're not going to remember those expensive shoes you bought ten years ago, but you will remember every single morning when you look at your bank account that extra 0 in there. I promise, that's going to be way more fun to look at everyday", I pray that anyone who reads this will be successful in life.....
Well done! Dealers in my area are charging an ADM of at least $2,500-$5,000 over MSRP. Your AT4 was built with the Best options in my opinion..3500, Black, AT4, Duramax, Power boards, 5th wheel etc. Trying to find one like your's would be almost impossible unless you ordered it. Appreciate you sharing the price/cost breakdown! Look forward to all your videos!
I recently bought a 2023 Silverado 3500 HD High Country with every option except power running boards and multi function tailgate (Not an order). Sticker was $86k, however I was able to use the GMS price discount and saved about $7k. The fact the dealer allowed me to use the "A plan" was huge. There are very few dealerships giving discounts like this and fewer HD trucks available without order.
You won't know if you paid too much till you go trade it in or use it to earn income and discover how well it holds up (operating cost). My guess is it handles use and serves you very well, especially considering you take excellent care of your vehicles.
I have a 2019 GMC Denali dually with 49K miles. I was planning to trade it in next year but I’m realizing it will be terrific for another 10 years. By then I will be 80 and will be doing less towing.
With cost of diesel right now and probably the future for a long time I am considering the 6.6 gas with the 10 speed. My duramax is costing a fortune to put fuel in.
Great video. Appreciate your willingness to share. Had to beg for $500 “nice guy” discount when I bought my 2021 Ram 3500 Longhorn MegaCab. Because like you I have never paid sticker price in my life: not even close. The dealer did it so I felt like I got a deal as most others were charging $6,000 to $10,000 over sticker at that time. Great truck JB. Congrats again. I understand why you did what you did and I will understand when you buy your next one which will probably be a Ford. But we will all understand when you come back from the Darkside and buy another RAM😊
Amazed the dealer let you pay that much on credit cards which I can see how it would help with points. Almost all the dealers I've ever dealt with will only let you use a max of 5000 on a credit card. Buying at msrp is about the best you can hope for nowadays although I bought a new 4runner last year and managed to get 2k off the msrp, felt awesome about that. One thing I have going for me is that I have jumpseat travel benefits at my airline so I can go anywhere I need to in order to secure the best price hence why I bought the 4runner in Atlanta. You got a nice truck wish you the best of luck with it. Keep us up to date on how it holds up.
Thanks bro, i couldn’t find my checkbook so in order to get the deal done that day, they allowed me only to run $7k but the rest was paid on debit cards
Yeah, things seem to be turning around on these trucks. My 2022 Denali 3500 HD I got, i paid cash for it. I like the options that came with yours. Did you install the trailer camera and the TPMS monitors on your Cougar. It is a great feature to have. I hope the credit cards you used gave you points or cash back. Thats how i did it to get whatever savings i could get.
Remember to claim that sales tax when you file your 2022 taxes. Also, my accountant recommended that we NOT purchase the truck in the business' name, as even with our LLC, it could be vulnerable to a (unlikely) lawsuit. So we bought and registered it in our personal name, THEN leased the truck (it's a RAM DRW) to our business. That way you can still claim some vehicle expenses for your business. I would verify with your accountant, based on MD law, if that would work for you. #MapYourJourney
In this day and age to get a dealership to sell for MSRP is a miracle in its self buddy. You got some great options on your truck and I think you lost some payload but I don't think you lost a lot of payload even though your Ram had some pretty good payload.
It’s hard trying to get the best deal out there. I guess getting a good deal is a deal that you are happy with and can afford, that way no complaints. My guess on your play load is you went up 100 pounds. I appreciate the insight and I’ll be staying with the 2921 Ram for awhile. Prices are just a little crazy still but maybe in a year or two that might change for the better.
It's hard to believe a good deal on a truck is 87K these days. I get it that you bought an amazing truck, but c'mon man (a little Bidenism there). 87K. Wow..... We got our 2022 Chevy 2500HD Custom model gasser for 54K and I was like holy crap. We financed 34K with their 2.99 for 60 months and the payments are still 617 a month. I don't know. I'm a lot older than you. Us old guys heads are still probably spinning at how expensive things have gotten over the years. My first house that I bought in 1989 was amazing, and cost 85K here in GA. I love your truck for sure. Could I afford it, yes. But can I stomach paying that much for it, no.....I guess I'm just old....lol...Anyhow great video as always. I'm a huge fan and love your videos!!!
It’s not my fault people went out and bought cars over sticker and drove the prices up lol! I held off for 2 years from buying because of pricing but I needed a good tax write off for my business so I don’t pay $20k in taxes next year. I also bought something that would help with the content on my channel. Btw I only vote red, thanks for sharing 👍🏾
@@JB_WhoWork I agree. Can you imagine paying 5k plus or what my local dealer wanted was 10k over msrp? I actually feel bad for those that did that. They got caught up into this never ending spiral of not being able to have what they want without dropping their drawers and taking in the butt. These are weird times we are living in. Let's go Branden. Lol. Bottom line is I absolutely love your truck. But I love my gasser too. Do I have diesel envy at times, absolutely. But I do love my truck. And I love yours too!!!
You did not lose in payload. I’m sure the number was a significant gain with the GMC. Plus, knowing how you are with numbers, you probably wouldn’t have purchased the truck if that was the case?
If you would have done a business loan, wouldn't you be able to write it off against your business? Just saying, sure you had your reasons. Thanks for sharing the cost breakdown.
All depends on your area and what you have, but in my area, I’m seeing some Laramie & Laramie limiteds on the lot for under $60k with around 30-40,000 miles on them. I’m toying with trading my ‘17 Bighorn, kbb says I should get around $40k for it with 90,000 miles.
Supers crazy I seen a 2019 f250 with 180k for 50k...like who would want that yeah it had a lift and some upgrade but still not worth 50k when it probably wont last 5 more years or be that reliable on a road trip
I never paid a finance charge or interest rate since my first house 25 years ago. Paid that house off in 8 years and after that, paid with credit cards and paid those off every month. Bought our lat 4 trucks and 3 suv's with credits cards and cash. Paid off the cards before the 30 day finance charge and got 3% back on each 10k dollar card. Each time! So win win, and I always tell the salesman I will finance but never sign my name, then when we come to a price we can agree on, I only sign a sales sheet for the OTD price. When I go I to the finance office, I drop 30k with credit then cash, works everytime. Just dont sign the finance sheet, only sign a sales pricing sheet. Screw em.
@@jayboogie7956 sure they do. Gotta be patient and save and or find a side hustle and make extra. I cant imagine financing on a depreciating item. He is another option, borrow from yourself instead of the bank. Take out home equity loan. Often it's at a lower rate and you are using your money and paying yourself back. See, banks loan out money then charge you interest. Where do banks get the money? From consumers, you give the bank money to keep it for you, the banks use everyone's money and hand out loans then charge interest. That's the business of a bank and how they make money, the banks do not make something and sell it for profit, it's a scheme. And they take everyone for a ride, they use your money to make them money. Why not do the same
Even pushing $90K they still want to nickel and dime you! I 💯 get why you traded. But personally I would have walked if they didn’t takeoff that BS subscription stuff after I paid MSRP. It makes absolutely no sense to finance some sort of subscription service. Crazy times bro!
You are not lying, I almost got it taken off because they didn’t know why the price was higher but then the sales person pulled the one out of the deal… very crazy times 🇺🇸🇺🇸💪🏾
Interest rates are definitely higher. Last December I got 2.89 on my truck. Can’t touch that now. I can’t exactly remember your Rams payload but I’m saying this AT4 is going to be between 3700-3900.
I'm 58 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, we are finding it impossible to replace it. We can get by, but cant seem to get ahead. My condolences to anyone retiring in this crisis, 40years nonstop just for a crooked system to take all you worked for...
Building wealth involves developing good habits like regularly putting money away in intervals for solid investments. Financial management is a crucial topic that most tend to shy away from, and ends up haunting them in the near future. Putting our time and effort in activities and investments that will yield a profitable return in the future is what we should be aiming for. Success depends on the actions or steps you take to achieve it. "You're not going to remember those expensive shoes you bought ten years ago, but you will remember every single morning when you look at your bank account that extra 0 in there. I promise, that's going to be way more fun to look at everyday", I pray that anyone who reads this will be successful in life.....
Even with the economic fluctuations, I’m very excited to have earned $45,000 on my $10,000 investment, all thanks to Expert Richard for helping me
@marketsignal_Richard
@@angelaperez2379 I started from the bottom... now I'm here!
I got the same truck new but in white except no power steps 82k out the door I found a place that actually gave a discount and did not tax!
At4 is the Best I tow fifth wheel 36 foot with 2500 it tows very good love my truck
Got my 2022 F350 XLT 7.3 FX4 SRW LB with basically every option except sunroof cost 67K with taxes
Well done! Dealers in my area are charging an ADM of at least $2,500-$5,000 over MSRP. Your AT4 was built with the Best options in my opinion..3500, Black, AT4, Duramax, Power boards, 5th wheel etc. Trying to find one like your's would be almost impossible unless you ordered it. Appreciate you sharing the price/cost breakdown! Look forward to all your videos!
They’re out there, but few and far between.
Dealership put all these fees on that don’t mean anything to the consumer we loss if we purchase off the lot.
Cha-ching - you did good enough. I like that truck.
I agree, plus i can write off the depreciation so there’s that 👍🏾
I never paid msrp as there was always rebates and I had a trade in. Now..no deals...diesel at $5.89 and gas at $3.55!!!!
I am on hold till summer...
I recently bought a 2023 Silverado 3500 HD High Country with every option except power running boards and multi function tailgate (Not an order). Sticker was $86k, however I was able to use the GMS price discount and saved about $7k. The fact the dealer allowed me to use the "A plan" was huge. There are very few dealerships giving discounts like this and fewer HD trucks available without order.
You won't know if you paid too much till you go trade it in or use it to earn income and discover how well it holds up (operating cost).
My guess is it handles use and serves you very well, especially considering you take excellent care of your vehicles.
I have a 2019 GMC Denali dually with 49K miles. I was planning to trade it in next year but I’m realizing it will be terrific for another 10 years. By then I will be 80 and will be doing less towing.
Two videos in one day hell yeah who work jb reviews 👀
You got a awesome deal. 👌
With cost of diesel right now and probably the future for a long time I am considering the 6.6 gas with the 10 speed. My duramax is costing a fortune to put fuel in.
Great video. Appreciate your willingness to share. Had to beg for $500 “nice guy” discount when I bought my 2021 Ram 3500 Longhorn MegaCab. Because like you I have never paid sticker price in my life: not even close. The dealer did it so I felt like I got a deal as most others were charging $6,000 to $10,000 over sticker at that time. Great truck JB. Congrats again. I understand why you did what you did and I will understand when you buy your next one which will probably be a Ford. But we will all understand when you come back from the Darkside and buy another RAM😊
Great video waiting for those payload numbers 🤔
Amazed the dealer let you pay that much on credit cards which I can see how it would help with points. Almost all the dealers I've ever dealt with will only let you use a max of 5000 on a credit card. Buying at msrp is about the best you can hope for nowadays although I bought a new 4runner last year and managed to get 2k off the msrp, felt awesome about that. One thing I have going for me is that I have jumpseat travel benefits at my airline so I can go anywhere I need to in order to secure the best price hence why I bought the 4runner in Atlanta. You got a nice truck wish you the best of luck with it. Keep us up to date on how it holds up.
Thanks bro, i couldn’t find my checkbook so in order to get the deal done that day, they allowed me only to run $7k but the rest was paid on debit cards
You never want to pay too much for what you got…Enjoy and be Thankful for what you can afford Enjoy your Truck!
Good deal but why didn’t u wait for the refresh?
Yeah, things seem to be turning around on these trucks. My 2022 Denali 3500 HD I got, i paid cash for it. I like the options that came with yours. Did you install the trailer camera and the TPMS monitors on your Cougar. It is a great feature to have. I hope the credit cards you used gave you points or cash back. Thats how i did it to get whatever savings i could get.
When I get the chance to get the ford f350 tremor with the high output powerstroke. Towing test between the at4 and the tremor
Unfortunately MSRP or higher is the norm if you want a heavy duty truck right now
Remember to claim that sales tax when you file your 2022 taxes. Also, my accountant recommended that we NOT purchase the truck in the business' name, as even with our LLC, it could be vulnerable to a (unlikely) lawsuit. So we bought and registered it in our personal name, THEN leased the truck (it's a RAM DRW) to our business. That way you can still claim some vehicle expenses for your business. I would verify with your accountant, based on MD law, if that would work for you. #MapYourJourney
Are your interest rates low on your cards to make it worthwhile? I am sure you went up in payload, GMC uses higher gvwr for duramax.
In this day and age to get a dealership to sell for MSRP is a miracle in its self buddy. You got some great options on your truck and I think you lost some payload but I don't think you lost a lot of payload even though your Ram had some pretty good payload.
Just bought a at4 2500 for 7200 off sticker in Florida.
That’s incredible, I found one dealer willing to give $2k off sticker for a 3/4 ton but I need a 1 ton 🤷♂️ What dealer is that?
@@JB_WhoWork Rivard Buick gmc in Brandon.
@@mt-kp2tb They are $10k behind MSRP on 3500 trucks!
@@mt-kp2tbFlorida named a city after Brandon 😂😂
@@JB_WhoWork Maybe you should return your truck and save $10k. Do a video about how it all worked out (or didn't).
TFL offroad did a review recently on a f550 custom build with a 10,600 pound payload capacity . Never heard something so high.
Hey JB what's your business that you own? I don't remember if it was in an earlier video. Thank you for the videos.
$82.88 for license and registration? That must be prorated from your RAM's registration, right?
It’s hard trying to get the best deal out there. I guess getting a good deal is a deal that you are happy with and can afford, that way no complaints.
My guess on your play load is you went up 100 pounds.
I appreciate the insight and I’ll be staying with the 2921 Ram for awhile. Prices are just a little crazy still but maybe in a year or two that might change for the better.
In this economy I’d have just kept the RAM
It's hard to believe a good deal on a truck is 87K these days. I get it that you bought an amazing truck, but c'mon man (a little Bidenism there). 87K. Wow..... We got our 2022 Chevy 2500HD Custom model gasser for 54K and I was like holy crap. We financed 34K with their 2.99 for 60 months and the payments are still 617 a month. I don't know. I'm a lot older than you. Us old guys heads are still probably spinning at how expensive things have gotten over the years. My first house that I bought in 1989 was amazing, and cost 85K here in GA. I love your truck for sure. Could I afford it, yes. But can I stomach paying that much for it, no.....I guess I'm just old....lol...Anyhow great video as always. I'm a huge fan and love your videos!!!
It’s not my fault people went out and bought cars over sticker and drove the prices up lol! I held off for 2 years from buying because of pricing but I needed a good tax write off for my business so I don’t pay $20k in taxes next year. I also bought something that would help with the content on my channel.
Btw I only vote red, thanks for sharing 👍🏾
@@JB_WhoWork I agree. Can you imagine paying 5k plus or what my local dealer wanted was 10k over msrp? I actually feel bad for those that did that. They got caught up into this never ending spiral of not being able to have what they want without dropping their drawers and taking in the butt. These are weird times we are living in. Let's go Branden. Lol. Bottom line is I absolutely love your truck. But I love my gasser too. Do I have diesel envy at times, absolutely. But I do love my truck. And I love yours too!!!
I wouldn’t do anything over sticker, not worth it to me and you know once the market cools, they will be incentivizing them heavily
your payload is lower then the ram bc of the gvwr
You've got to get a business line of credit my friend! You could have put it on the LOC and paid it off whenever you want.
Well I had to pay all these MD fees before I can finance. When I get my ford, I will do this 👍🏾👍🏾
You did not lose in payload. I’m sure the number was a significant gain with the GMC. Plus, knowing how you are with numbers, you probably wouldn’t have purchased the truck if that was the case?
My 2021 Silverado 2500 (Duramax) has a payload of 3330 lbs.... so I'd be guessing you'd be around 3700-3800 with the 3500 AT4?
My 2021 ram was 70000 dollars my payments are 1166 d
If you would have done a business loan, wouldn't you be able to write it off against your business? Just saying, sure you had your reasons. Thanks for sharing the cost breakdown.
A lot of Time GMC give nice options in the price not chev
Worth it .
I am thinking my $60K Cummins 2018 might still be worth $60k. Pricing the new trucks at over $100 K is nutz.
I got $70k for mine so you shouldn’t be that much further off depending on miles, Trim, options, and cab 👍🏾
All depends on your area and what you have, but in my area, I’m seeing some Laramie & Laramie limiteds on the lot for under $60k with around 30-40,000 miles on them. I’m toying with trading my ‘17 Bighorn, kbb says I should get around $40k for it with 90,000 miles.
Supers crazy I seen a 2019 f250 with 180k for 50k...like who would want that yeah it had a lift and some upgrade but still not worth 50k when it probably wont last 5 more years or be that reliable on a road trip
Justin, I think you were happier with your easy going Ram. Would you be better going back?
Still surprised you got a black truck with black interior.
Yup, I was here long ago, I remember what you said about never doing that! 😂
You def gained payload.
Lol, never say never
don't worry Biden and the Democ going to forgive all debt🤣🤣🤣🤣🤣🤣🤣
I never paid a finance charge or interest rate since my first house 25 years ago. Paid that house off in 8 years and after that, paid with credit cards and paid those off every month. Bought our lat 4 trucks and 3 suv's with credits cards and cash. Paid off the cards before the 30 day finance charge and got 3% back on each 10k dollar card. Each time! So win win, and I always tell the salesman I will finance but never sign my name, then when we come to a price we can agree on, I only sign a sales sheet for the OTD price. When I go I to the finance office, I drop 30k with credit then cash, works everytime. Just dont sign the finance sheet, only sign a sales pricing sheet. Screw em.
Sounds awesome, but not everyone in the truck search has those options. 😞
@@jayboogie7956 sure they do. Gotta be patient and save and or find a side hustle and make extra. I cant imagine financing on a depreciating item. He is another option, borrow from yourself instead of the bank. Take out home equity loan. Often it's at a lower rate and you are using your money and paying yourself back. See, banks loan out money then charge you interest. Where do banks get the money? From consumers, you give the bank money to keep it for you, the banks use everyone's money and hand out loans then charge interest. That's the business of a bank and how they make money, the banks do not make something and sell it for profit, it's a scheme. And they take everyone for a ride, they use your money to make them money. Why not do the same
@@2025willbebetteryetOk honestly didn't know all of that information. I was never taught it.
Completely had no idea 😐
👍👍
Thanks bro 👍🏾👍🏾
Even pushing $90K they still want to nickel and dime you! I 💯 get why you traded. But personally I would have walked if they didn’t takeoff that BS subscription stuff after I paid MSRP. It makes absolutely no sense to finance some sort of subscription service. Crazy times bro!
You are not lying, I almost got it taken off because they didn’t know why the price was higher but then the sales person pulled the one out of the deal… very crazy times 🇺🇸🇺🇸💪🏾
Unfortunately that's a GM thing, not the dealer, they're adding that to all of the GM trucks and I think the SUV's too!
Yep brand new GM's cars and trucks now make you buy the 3yr subscription service
🤑🤑🤑🤑🤑🤑🤑
Too bad money doesn’t grow on trees, I would be the most successful tree picker this world has ever seen
@@JB_WhoWork hardwork pays off! Now I gotta like, comment and share every damn post to help pay for this beautiful truck of ours!!🤑
Lol!
Just curious but not any of my business, why do you get a new truck every year....tax write off?
But still a solid truck. 👌
Sounds like they ripped you off. You should of waited for the redesign to come out.
Interest rates are definitely higher. Last December I got 2.89 on my truck. Can’t touch that now.
I can’t exactly remember your Rams payload but I’m saying this AT4 is going to be between 3700-3900.