Blog

Short blog posts, journal entries, and random thoughts. Topics include a mix of personal and the world at large.

Waiting for the weekend

The thing about this car enthusiasm hobby is that you can only kind of do things on the weekends. The workday is where you put in the hours so that you can afford the enthusiasm. But it can be a challenge because for five days out of the week, you’re kind of anxiously looking forward to the other two. And my brain just can’t comprehend forsaking 70% of a week, being unsatisfied.

I can see how some people’s enthusiasm is so great that they make the thing into their career. They cannot fathom only focusing on their passion two days out of the week. Life is too damn sacred to be miserable for any amount of time.

There are tradeoffs, of course. There’s a chance that you will lose the passion if your actual livelihood is dependent on that thing. How enthusiastic can you be about photography when an angry bride is yelling at your face? Or you might have to turn in an end product that isn’t completely satisfactory to your standards. Because you absolutely need a monetary return.

I don’t think the passion pursuers actually factor in the tradeoffs. Their guiding star is that they are so enthusiastic that they must do the thing. No exceptions. Life isn’t worth anything if they are unable to do what they love for every single day of the week. They just kind of naively pray and hope the money issue will figure itself out. Not a leap of faith, but an insatiable will to follow the heart.

Thankfully, or unfortunately, I am not enthusiastic enough about anything to make career-level moves. A boring 9-5 job is exactly what I want and need to fund the few hobbies that gets me out of bed on weekend mornings, instead of wanting to sleep in. That’s good enough for me.

Old man enthusiast

In my early 20s of car enthusiasm, the prime thing to do to a car is to lower it. The wheel gaps from the factory always seem to be a tad high. Of course then the first modification item I bought for my purely pedestrian Toyota Corolla was a set of lowering springs.

In my now late 30s of car enthusiasm, I have no desire to do the same to my current Golf GTI. Yes, the wheel gaps are rather enormous on it too. But with experience comes wisdom, and what starts at lowering springs can quickly spiral into many unintended consequences.

So let’s say the car is lowered. Job done, right? Well now the wheels look kind of sunken into the body. You can remedy this by either putting on wheel spacers to punch out the wheels a bit, or go the full route and buy an entirely new set of wheels with a lower offset specification. That’s money you didn’t intend on spending, but soon as you put on lowering springs, you’re already in quick sand.

Lower offset wheels creates a new problem: rock chips. The wheels sticking further out means less of the existing fender work can protect the debris being constantly flung. The car’s lower rear quarter panel gets pummeled. You can either live with stone chips, or put paint protection film onto the quarters. Ah yes, more money to spend.

A lowered car naturally means the bottom of the bumper is closer to the ground. Poorly graded driveways are now the worst enemies. Leaving a gas station onto the road is an exercise of angular contortion to avoid scraping the front. Meanwhile, that normal person in a stilted SUV simply drive straight without a care.

These days I want my cars to work without any fuss. Driving should not be stressful! Limiting NVH - noise, vibration, and harshness - matters greatly to me, as if I’m a boomer retired grandfather. The GTI rides relatively superbly from the factory, with an excellently insulated cabin space. The last thing I want to do is to begin ruining that by installing shorter springs and stiffer suspension components, purely for looks.

I am once again asking for competence

As a car enthusiast, one of the pain points is needing a third party to perform service to your car. Which is entirely unavoidable unless you’ve got a garage with all the tools possible. It is a pain point because competence is difficult to find. I’m not even asking for attention to detail; I just want the job done correctly! I don’t expect another person to treat my own car as nicely as I do.

The sad reality is, you live long enough and you’d no doubt been burned by some automotive repair place. I can remember an auto body shop failed to remove a rubber trim before repainting a damaged panel (denied responsibility.) Then there was a shop that scratched up the interior whilst installing window tint. When I recently got the GTI tinted as well, another tint place had to redo the job three times. At least they gave me a discount in apology, which is why I’m not linking to their website.

Because competence is not often encountered, I do well to remember the ones that perform to par. I recently changed the wheels on the GTI, retaining the same set of tires. The tire shop I chose did the job exactly as prescribed. They even filled the tires correctly to the specified pressure on the door jam. And made sure each rubber stayed at the same corners as before, so as to not mess up the wear rotation. When you find capable shops like this, you make sure to continue patronizing.

Some additional shoutouts: the parts department at Volkswagen of Marin has excellent communication. The America’s Tire location in Milbrae has done over half a dozen set of tires for me over the years and has yet to disappoint. ZTF Automotive is the best indy VW/Audi mechanic in the Bay Area.

Unfortunately, we can’t all be Thanos and do it ourselves.

Waning enthusiasm

I guess gas prices (in the San Francisco Bay Area) is just going to stay in the five dollars per gallon threshold? We’re never going to see the number 3 again in front of the decimal point are we? Unless of course we move to other parts of the country where not only do they have cheaper gas than California, but they also have higher octane! (93 versus 91.) If I’m getting reamed in the butt on petrol price, at least give me the best gasoline possible.

It’s a good thing then that I’ve only driven 4,000 miles since the previous September. Paying over $70 to fill up the BMW M2 is so not the business. As much as I like driving, the cost of gas adds up very quickly. At least that is something I can control. The higher insurance premiums that we all received in our last renewals? Nothing I can do about that.

Perhaps my car enthusiasm is waning? I don’t know. I took the M2 in to the dealership for service last week, and I keep thinking what a hassle it is. Even though I’m not removing a single bolt myself, it’s still time out of my day to drive it to the dealership (on the other side of the city). Imagine if I didn’t own a car at all - how much simpler it would be. No gas price shocks, no insurance premiums, no maintenance costs, no worries about parking it somewhere and risking some asshole damaging the car.

Of course, it’s not tenable to not have a car. I rely too much on Costco trips to fight the ongoing inflation. But I’m thinking maybe I don’t need to own a high-strung sports car. It would be cheaper and less stressful to instead own a car an old man would drive. Something boring, something dead nuts reliable. That can only mean one thing: a Toyota.

Change is the only constant, right? I’ve like cars since I was a kid. Who knows, maybe that enthusiasm does come to an end.

No Porsche for broke boys

Porsche announced today mid-cycle updates to the 992-generation 911 (992.1). My first reaction was: Jesus Christ, a base poverty-spec Carerra starts at $120,000 now?! That is not a lot of car for a crap ton of money. And that price is before you check any of the hundred of boxes on the options list. You want your 992.2 911 in traditional Guards Red color? That’s will cost $1,800 extra, whereas it was an no cost option in the 992.1. Kind of blasphemous.

Porsche seems to be evolving into a Ferrari-like way of doing business: charging extravagantly for its cars - because it can. The demand for its sports cars remains insatiable, so why not raise pricing across its lineup? Heck, the special edition 911s - the ones enthusiasts ejaculate over - are all at Ferrari level pricing anyways, after the dealership tacks on $150,000 of additional markup.

Can’t hate the player, nor can I hate the game. Dealerships charge markups because someone out there is willing to pay. Us broke boys can’t be mad that we don’t got (or unwilling to spend) the money.

New Porsche sports cars are for the wealthy car enthusiasts now. No car guy making middle-class income should be throwing down $120,000 (at least) for a new 911 (or any six-figure car). That’s not a value judgement, it’s just math. I know auto financing can stretch into seven or eight years these days, but one look at an amortization table should scare anyone off. A $120,000 car, putting a 10% downpayment, for an 84 months loan at 5.99% will equate to over $27,000 of interest alone.

You can buy a brand-new Toyota Corolla with that money.

Can you though?

As a car enthusiast of over two decades, I am extremely familiar with stretching our dollars in order to buy cars. People spend money on eating out, we spend it on cars. If I weren’t a car enthusiast with a penchant for switching (brand-new) rides every three years, I would have immensely more wealth in investment accounts right now.

Obviously, they don’t give out medals for having the most money going to the grave. In this life you got to spend your money on something. It’s all about balance.

What my brother is planning to do is very far off balance. He’s put in an order for a car that is three times his annual income. Fair enough: he’s been saving diligently for as big a downpayment as possible. And apparently, with “exotic” cars, there exist banking services that would finance them for far longer terms than the typical mainstream vehicle. That is how my brother plan to “afford” this supposedly incoming car.

I’m sure the man-maths are working overtime to justify this move. However, the mistake is trusting the numbers on paper are static. Just look at recent inflation: gas, insurance, and maintenance costs have increased dramatically. The monthly fixed costs seem to be going ever higher. I guess my brother can save on gas by not driving the car, but then… what the heck is the point?

Then there’s the variable costs, with life being the variable. Pinching every possible penny to afford a car means any surprises down the proverbial road - and there’s always going to be surprises - will put my brother into the negative immediately. Can he afford an unscheduled wheel and tire replacement (unfortunate encounter with a pothole, let’s say) when he can barely afford the monthly payments? The only way the math is going to work is if life goes absolutely perfect. That’s simply not possible.

I’ve told my brother all of this, of course. Hopefully it’s enough to steer him from an enormous financial albatross.

The math is not math-ing

The most dangerous time for a car enthusiast, is when they are about to pay off their car. No more car loan debt means that money is freed up for something else: another car, naturally. The mind wanders at the possibilities. Perhaps it’s time to buy a car with a drivetrain layout you’ve never had before. Or perhaps it’s to re-purchase a car you shouldn’t have ever sold (thank goodness I cannot comfortably afford to buy another Porsche 911 GT3).

If there’s money in the bank account, you have to spend it. Isn’t that the American way? This entire economic house of cards is dependent on people’s continuous, often times reckless, spending.

My 2021 BMW M2 Competition will be paid of in a few months. And boy is the itch to buy another car itching intensely as that date draws nearer. I’m not being irresponsible! It will be the same money that would have gone to the M2 each month! It’s very easy to rationalize to yourself any purchase. The only reason I don’t have a mortgage is because the banks wouldn’t lend me the money.

But, as I like to say since last year: “Not in this economy!” Some people think that because they can afford the monthly car payment, they can afford the car. Don’t be like those people. We have to take in account the total operating cost. That means insurance, gas, and maintenance. And unless you’ve been living under a rock, all three of those things have gone up a lot in recent years thanks to inflation.

Never mind the fact that new cars have gotten rightly expensive. (Average transaction price in America is $47,338 as of this January.) High interest rates also means that monthly payment will be up as well. It’s really not a good time to be buying a second car, taking on tens of thousands of debt for another five years. I am going to keep telling myself that this entire 2024.