$100K Tesla Cybertruck: $1,700/Month Mistake?

The $100,000 Tesla Cybertruck with a $1,700 monthly car payment shows exactly why bad car loans are one of the biggest personal finance mistakes people make today. The Tesla Cybertruck might turn heads, but between high monthly payments, steep depreciation, expensive repairs, and questionable build quality, this truck is a financial disaster waiting to happen.

If you’re thinking about financing a $100K Tesla Cybertruck or taking on a massive auto loan for any overpriced vehicle, this is the kind of purchase that keeps people broke. Car loans with sky-high payments, rising interest rates, and the pressure to “keep up” financially are some of the worst traps out there. People think they’re buying freedom, but most of the time they’re buying years of stress.

From the insane $34,000 pothole repair bill to Tesla charging $20,000 extra for a Foundation Series badge, the Cybertruck proves that just because you can finance something doesn’t mean you should. This is the same cycle I see with trucks, SUVs, sports cars, or even family vehicles—buyers stretch their budget, take on bad auto loans, and end up paying for a car that’s worth less than the loan balance.

🚗💰 Personal finance and cars overlap more than people realize. A bad vehicle purchase can wipe out savings, add years of debt, and hold you back from financial freedom. High car payments take money away from investing, saving for retirement, or simply keeping more of your paycheck. The average car loan is getting longer, the average monthly payment is climbing, and the average buyer is struggling more than ever.

Too many people think about the monthly payment instead of the total cost. They sign a six or seven year auto loan just to afford a vehicle that drops in value the moment it leaves the lot. It doesn’t matter if it’s a Tesla Cybertruck, a lifted Ram, or a luxury SUV—if the numbers don’t work, you’re just locking yourself into years of financial regret.

The Cybertruck is a perfect example of how hype and status drive bad financial choices. Paying over $1,700 a month, watching resale values drop, and then seeing repair bills that cost more than an entire new Toyota Tacoma shows how broken this system is. It’s not just about Tesla—it’s about how people make car buying decisions in general.

What happens when you get tired of the payment? What happens when the warranty runs out? What happens when insurance companies don’t want to cover it? These are the same questions anyone financing a car should be asking, whether it’s a $20,000 used sedan or a $120,000 Cybertruck.

I’ve seen people finance brand-new trucks only to get crushed by fuel costs, repairs, and depreciation. I’ve seen people chase low interest rates without realizing the vehicle will be worth half its value by the time the loan is paid off. And I’ve seen too many buyers trade financial freedom for a car payment that eats away at everything else in their budget.

At the end of the day, cars should take you from A to B, not take every spare dollar from your wallet. If you’re spending more on your car payment than you are investing for your future, that’s a bad deal no matter what you’re driving. The Cybertruck just makes this mistake obvious because the numbers are so extreme.

Chapters:

0:00 $100K Tesla Cybertruck Overview
0:38 Foundation Series Costs & Add-Ons
1:00 Tesla Cybertruck Loan Interest Rate
1:38 $1,700 Monthly Car Payment
2:10 Is the Cybertruck Worth $100K?
3:00 Paying Extra Just for Attention
4:00 Cybertruck Depreciation & Resale Value
5:00 Tesla Cybertruck $34,000 Pothole Repair
6:40 Tesla Cheap Build Quality Issues
7:30 $120K Cyber Beast Problems
8:00 Cybertruck Light Bar Failures
8:40 Why Bad Auto Loans Hurt Your Finances
9:00 Final Thoughts on Car Loans & Debt

More about this video:
The Tesla Cybertruck is marketed as the future of trucks, but when you look at the numbers, it’s one of the clearest examples of a bad car loan. Spending $1,700 per month on an auto loan just to drive a vehicle that drops tens of thousands in value overnight is exactly why so many people are stuck living paycheck to paycheck.

High car payments are one of the biggest reasons families can’t save money. Between rising interest rates, record auto loan balances, and lenders stretching out terms to 84 months or more, car financing has turned into a trap. Instead of building wealth, buyers are trapped in debt that lasts almost as long as a mortgage.

Financial freedom doesn’t come from driving a truck that costs six figures. It comes from controlling your spending, driving cars you can afford, and keeping more of your paycheck instead of giving it to the bank, the dealership, or the repair shop. If you want to build wealth, avoid debt, and stop overpaying for vehicles, the first step is avoiding loans like this one.

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