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What have you done to your 5th Gen 4Runner today?

Discussion in '5th Gen 4Runners (2010-2024)' started by Bob, Jul 24, 2016.

  1. Apr 12, 2024 at 10:54 AM
    HuskerRunner

    HuskerRunner I joined 2.5 years after Rick G

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    Taco to 4R Mod
    Interest rates being what they are right now, it made sense to write the check for our 4runner. 5% interest is darn near like doubling the depreciation. In the days of 0-2% financing it did make more sense to take out a loan though. Even if you were only getting a 3% return, you made more money having it invested elsewhere
     
    brodeyo likes this.
  2. Apr 12, 2024 at 11:03 AM
    Yotaholic

    Yotaholic New Member

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    Nope, never a good idea in my opinion. When it comes to assets like cars, pay and forget. My peace of mind and emotional well-being are more important than sime measly gains
     
  3. Apr 12, 2024 at 11:08 AM
    SolarOctane

    SolarOctane New Member

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    You guys with 3% returns and measly gains are doing it wrong.

    Nice job @Yotaholic I think that might be the first time you've ever used the words "in my opinion" on this forum.
     
    semprenissart and HuskerRunner like this.
  4. Apr 12, 2024 at 11:09 AM
    Texas-Gorilla

    Texas-Gorilla New Member

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    That's an ever better feeling! I've paid cash for my last 4 vehicles and haven't had a car payment in over 10 years.
     
    kevinRR and Yotaholic[QUOTED] like this.
  5. Apr 12, 2024 at 11:21 AM
    Yotaholic

    Yotaholic New Member

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    I look and feel really good for my age. I have eaten well, slept well, and never had car payments.
     
  6. Apr 12, 2024 at 11:25 AM
    SolarOctane

    SolarOctane New Member

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    You're also very good at patting yourself on the back. Don't forget that!
     
    Texas-Gorilla likes this.
  7. Apr 12, 2024 at 11:29 AM
    Yotaholic

    Yotaholic New Member

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    When I wrote a check for this truck, financially I didn't feel a thing. But if I have to write a check for a half a million dollar Bugatti or something, I will definitely feel it. That's why I don't buy those things. I know my limits. There are folks out there who write checks for Bugattis and boats and private jets, good for them, they can afford them.
     
  8. Apr 12, 2024 at 11:36 AM
    Yotaholic

    Yotaholic New Member

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    A guy or girl who makes $100,000 a year, taking out a loan to buy a $50,000 truck, is like a brain surgeon who makes a million dollars a year, takes out a loan to buy a $500,000 Bugatti. We would definitely tell that brain surgeon to have a surgery of his own brain, but we ignore the youngster who is making $100,000.
     
  9. Apr 12, 2024 at 11:50 AM
    HuskerRunner

    HuskerRunner I joined 2.5 years after Rick G

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    Taco to 4R Mod
    I said "even at" to prove the point that you can come out money ahead in the interest game. I'm fine not going back and forth over who paid their rig off the right way though. Good job to everybody that has
     
  10. Apr 12, 2024 at 11:54 AM
    Yotaholic

    Yotaholic New Member

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    You are probably in the 0.0001% who play games like that. The vast majority are looking at monthly payments, banks love them. 6 missed paychecks and they lose their shirts
     
  11. Apr 12, 2024 at 12:14 PM
    SolarOctane

    SolarOctane New Member

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    That is exactly why I think it should be more important in our society to teach young people about finances so they can make informed decisions.
     
    doublewide, NEguy, HuskyMike and 3 others like this.
  12. Apr 12, 2024 at 12:16 PM
    HuskerRunner

    HuskerRunner I joined 2.5 years after Rick G

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    Taco to 4R Mod
    Meanwhile my wife and I put everything we can on our credit card and then pay it off every month. I've never paid the cc company a penny interest and taken thousands of shirts from them in cash back. That IS a fun game for me. To keep it on topic, my new grille cost me nothing out of pocket, just used some of the cash back balance.
     
    Thepremier141, Marchy, NEguy and 6 others like this.
  13. Apr 12, 2024 at 12:17 PM
    Yotaholic

    Yotaholic New Member

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    Companies like starbucks, doordash, uber, lyft an Amazon will go bankrupt if the younger generation got smart.
     
    BS67 likes this.
  14. Apr 12, 2024 at 12:22 PM
    Yotaholic

    Yotaholic New Member

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    These three are all you are going to find in my wallet, a debit card, $500 cash and my concealed pistol license. And a checkbook at home. Simple life
     
    BS67 likes this.
  15. Apr 12, 2024 at 12:32 PM
    Rob41

    Rob41 Veteran

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    Magnuson Supercharger, CSF Performance Radiator, Eibach Pro-Truck Series 2R suspension, SCS Ray10 Bronze Wheels, Pedal Monster, TRD Pro Grill, TRD Pro Roof Rack
    I haven't used a check book in at least 15 years. Haven't had a land line phone in about 20 :)
     
    FastEddie6, BS67 and Texas-Gorilla like this.
  16. Apr 12, 2024 at 12:32 PM
    HuskerRunner

    HuskerRunner I joined 2.5 years after Rick G

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    Well we can finally agree on one thing; neither of us are likely to go broke at least. Big Friday.
     
  17. Apr 12, 2024 at 12:46 PM
    SolarOctane

    SolarOctane New Member

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    Lack of a drivers license isn't too surprising.....
     
    MeefZah, FastEddie6, Marchy and 2 others like this.
  18. Apr 12, 2024 at 1:07 PM
    Yotaholic

    Yotaholic New Member

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    Isn't that something understood?
     
  19. Apr 12, 2024 at 2:13 PM
    semprenissart

    semprenissart Mèfi

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    Westcott Sliders. Gobi no rise
    you missed the joke
     
    Marchy likes this.
  20. Apr 12, 2024 at 2:19 PM
    SolarOctane

    SolarOctane New Member

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    You included your concealed carry permit which had nothing to do with the conversation about finances.

    Oh right, there’s probably a lot more than 3 things in your wallet, but you felt the need to mention that one. Just your usual plea for attention and admiration….
     
  21. Apr 12, 2024 at 2:20 PM
    laxman09

    laxman09 Gassy Member

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    Post Eibach lift. 1.6" front and .75" rear springs, pro truck sport shocks and struts.

    Dunlops got to go in the fall, hopefully I can squeeze on 285s!

    PXL_20240412_211733056.MP~2.jpg
     
  22. Apr 12, 2024 at 2:21 PM
    Yotaholic

    Yotaholic New Member

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    You need help dude
     
  23. Apr 12, 2024 at 2:29 PM
    Rob41

    Rob41 Veteran

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    Magnuson Supercharger, CSF Performance Radiator, Eibach Pro-Truck Series 2R suspension, SCS Ray10 Bronze Wheels, Pedal Monster, TRD Pro Grill, TRD Pro Roof Rack
    Looks great!
     
    laxman09[QUOTED] likes this.
  24. Apr 12, 2024 at 2:31 PM
    Yotaholic

    Yotaholic New Member

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    No Viper cut?
     
  25. Apr 12, 2024 at 2:45 PM
    HuskerRunner

    HuskerRunner I joined 2.5 years after Rick G

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    Oh my god, it's a bit, right? It has to be a bit.
     
  26. Apr 12, 2024 at 2:48 PM
    laxman09

    laxman09 Gassy Member

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    My save my Dremel for custom gunsmithing
     
  27. Apr 12, 2024 at 2:52 PM
    LCJ77

    LCJ77 New Member

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    Kevin
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    Ceramic Tint, D/S grab Handle, waiting for Brite Box Anytime, may add Raptor lights
  28. Apr 12, 2024 at 3:41 PM
    HuskyMike

    HuskyMike New Member

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    I put 100,000 miles on the TRD Supercharger in my '99 SR5. Only thing I had to do was replace the nose drive at 60,000miles which was a known maintenance item.
     
    Rob41, raimieb and kmeeg[QUOTED] like this.
  29. Apr 12, 2024 at 4:09 PM
    DesertSurfer

    DesertSurfer New Member

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  30. Apr 12, 2024 at 7:40 PM
    Texas-Gorilla

    Texas-Gorilla New Member

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    Removed the raptor lights.

    Initially I ran power to the fuse box under the hood but wanted to install a switch on the dash to turn them on and off. After working on it for awhile I decided I didn’t want to slice the grommet going into the firewall to run the wires to the fuse box by the kick panel. I also didn’t like the idea of having to leave the cover off the fuse box due to the size of the add-a-fuse plug.

    Eventually I just removed everything and I think it looks better without the lights.
     
    Nubes and brodeyo like this.

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