Tim Kuniskis, the CEO of Ram trucks, said something interesting the other day in the course of a presentation about the new 10 year/100,000 mile powertrain coverage that Ram will be offering as standard equipment beginning next year. He said: “Eighty-five percent of truck buyers finance for seven years or more. They keep it for 12 years because everything’s gotten more expensive.”
The last part is of course as much a revelation as the Pope being Catholic. But the former is both revelatory and interesting in that it explains how it is that so many people seem to be buying new trucks that sell for nearly $50,000 to start and routinely “transact” for $70,000 or more. They’re financing them. For a long time.
The Ram 2500 I just finished test driving (and writing about, here) stickered out for just a few shekels shy of $90k, loaded up with the optional Cummins diesel engine, power deployable running boards, heated and cooled leather seats, “dampened” tailgate, rain sensing wipers and 17 speaker Harman Kardon audio system. It is a very nice and very expensive truck.
Who buys these things, I wonder? I ponder the numbers. Ninety-thousand bucks would cost you at least $1,500 per month to pay off over five years. That’s a second mortgage. It’s why the eighty-five percent finance for seven – or more, as Kuniskis mentioned. Even factored over seven years, the monthly payment is titanic – around $1,000 per month and that assumes zero interest, which is an assumption on par with assuming the local Clovers aren’t going to jack up your property taxes again this year.
Kuniskis says this is why it was necessary to reassure the people signing up for these second mortgages – whoops, truck payments – that at least they won’t have to worry about a payment for a new engine or transmission while they’re still making payments on the truck.
“No one has changed the warranty,” Kuniskis said. People are “investing more and more and more money in your brand, but you’re not investing more money to protect them.”
Italics added. 
No one other than ignoramus believes that purchasing a consumer appliance that is guaranteed to lose value the longer you own it constitutes an “investment.” Ask a loan officer about that. Better yet, ask a leasing agent about that. Look up the term residual value. Emphasis on “residual.” As in what’s left of the original value – expressed as the sales price – when the appliance was new.
Kuniskis – who knows better, surely – goes on to speak of Ram (that is, Stellantis) “investing” in longer warranty coverage to “protect” the buyers of Ram vehicles. That’s a line worthy of W.C. Fields or P.T. Barnum.
Ah yes, my little chickadee!
And there truly is a sucker born every minute.
Stellantis – Ram – is not in business to “protect” people who buy its vehicles from repair costs. It is in business to avoid having to pay for them. A warranty can be best understood as a form of insurance, which is to say a species of gyp in that both the warranty coverage and the insurance coverage are very carefully predicated upon stacking the deck in such a way as to minimize the odds of the entity that sold the warranty (or the insurance policy) from ever having to pay. For that is how money is made selling insurance – and warranty coverage.
This isn’t so much sketchy as it is actuary. Warranty coverage is issued after data has determined the point (in miles driven/years driven) that a given component such as a transmission is statistically likely to fail – and the warranty coverage lasts just shy of that point. Put another way, the warranty can be viewed as a kind of sotto voce announcement by a manufacturer that you are unlikely to have a transmission failure for the duration of the warranty coverage. This does have some value in that it provides psychological comfort to buyers, especially in view of how much it costs to replace a transmission in a vehicle nowadays ($3,000 and upward is common). But is that psychological comfort actually worth anything – other than the psychological comfort it gives?
Probably not.
Especially in view of the fact that the warranty – in this case – will run out shortly after you finally stop making those $1,000 monthly payments seven years or more down the road. By which time, the appliance you bought will have lost more than half its original value, if you’re lucky.
More than likely, the just-shy-of $90k Ram truck I got to drive around for a week this year will not be worth $40,000 seven years from now. Of course, by then, going by current trends, a 2032 Ram 2500 will probably transact for $150,000 and that will make buying (financing) a used seven-year-old one for the next seven years seem like a savvy “investment.”
. . .
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1500/m mortgage? haha…. Maybe for a van down by the river.
Average US home buy is 400-500K today.
450K loan, 50K down, 6.5%, 30yr = $2600/m
Plus property taxes, and if you live in Metro areas, adds approx. $1k/m +/-
Our kids will be living in vans down by the river.
And don’t bet me started on how all car/home loans are the biggest scams, paying all interest up front.
they won’t be able to afford one
RE: “1500/m mortgage? haha….”
Wait! What!? That’s less than what a home rents for here in Iowa.
“30yr = $2600/m
Plus property taxes, and if …”
Did ya see this bit?:
‘How Housing Bubble #2 Bursts’
https://www.oftwominds.com/blogjun25/RE-bubble-bursts6-25.html
And, just never-you-mind about his next one, ‘Hollowed Out’.
How about a 1990 Dodge one-ton stake bed with a Cummins diesel for $4500? Sure, beat to hell, but still starts and runs like a champ, and I swear it could pull an M1 Abrams.
RE: “a 1990 Dodge one-ton stake bed with a Cummins diesel for $4500?”
Is it For Sale?
Dang, I never see anything like that For Sale here in road-salt-Hell Iowa. Not one which wasn’t absolutely rusted to F, anyway. But then, it’d be priced at ~ $250.
It is to laugh, comrades. Last weekend I bought a running, driving 51 Ford F6 truck for $750. I bought it because i needed a construction dumpster, and it was an old farm truck that was in really nice shape after 50 years of inside storage.
No heated and cooled seats, no AC except the wing windows, no warranty, and no payment. Just honest steel, a big flatbed that dumps, and something I will never lose a penny on and can maintain with a good wrench and a pair of pliers.
Sadly that RAM Cummins will not even last 72 years much less be usable.
Flatheads forever.
Green grass and flatheads forever
Castles of stone, souls and glory
Lost faces say we adore you
As Silverados and Rams bow and play for you
— The Outlaws, Green Grass and High Tides Forever
RE: ” Last weekend I bought a running, driving 51 Ford F6 truck for $750.”
I mean this in the best way possible: !@#$%^&*(
Aren’t you in fellow road-salt-hell Midwest? Oh boy, what a barn find.
It was a barn find, yes. I know the 90 some year old owner, he had it in a barn for the last 17 years after driving it home from someone else’s auction where it had also been parked inside for 20 some years. Also old farm trucks dont rust because they run very few miles in spring and fall. This one has 26000 on the clock and looks it. One small dent, no rust.
She’s a bit big for a daily but I run my antiques in non-salt weather and cheap beaters in the rest.
I had to replace my 23 year old car back in January. Luckily, I found the same model in a 22 year old car to replace it with.
Oh, forgot to mention.
Paid cash. Of course I have to fix some things, but then even new cars quickly have some things that need fixing.
You guys are F-ing annoying me with your barn finds &, “I found the same model in a 22 year old car to replace it with.”
I’ve been looking & looking, & it’s b.s. overpriced tech-crap sheet, everywhere.
That said, good on you, man.
This is one of the reason I gave up on owning and keeping a car for 15 years and started leasing. It’s bad math but worry free driving.
This seems like a good lead for an article for Eric, owning vs. leasing.
I have a rich uncle who did lots of leasing of cars.
It never made any sense to me.
But, I’m not rich, & he was.
I don’t care if they give you a 200k mile warranty on that thing. I wouldn’t ever pay 90k for any type of vehicle, especially one that is going to crow and nag you down the highway and scream for :DEF
Dang, swamprat. It’s like you don’t enjoy being nagged?
I wanted to post a video link from Clint Eastwood’s film, ‘The Gauntlet’ where he says, “Nag, nag, nag” but I couldn’t find one.
This is a kind of opposite comparison which perhaps matches your DEF scream:
Star Trek: ‘Nag! Nag! Nag!’
https://www.youtube.com/watch?v=aAsJcukvhJ0
…Kinda makes me sick/dizzy/nauseas watching it.
“crow and nag you down the highway and scream for :DEF”
I see this as a way to force most people out of their vehicles and into public transportation in metropolitan areas.
RE: “I see this as a way to force most people out of…”
Our overlords call that, ‘a nudge’.
As in, a suggestion. One you have no option, to opt out of.
Mice village, awaits.
Kia/Hyundai started the 10/100,000 warranty years and years ago, 1998 and 2000.
Around 2006, after our third transmission destruction in our American branded car, bought a used Optima for cash…and have never gone back.
Nothing but Kia/Hyundai since then for me. Always used. Never a single major problem. Not one.
Am currently driving a 2006 Hyundai Sonata, loaded with cool features, bought from a Honda dealer back in 2021 for $6000 cash, it had 108,000 miles on it. I’ve put over 50 thousand trouble free miles on it. Not. One. Single. Problem. Everything worked when I bought it; all the electronics, windows, heated seats…everything. Getting a little worn-down now.
Why would I ever buy anything else? My next purchase…well…hopefully can keep this one for the rest of my days, be hard to find a good condition early 2000’s Kia/Hyundai I could afford.
Kia/Hyundai had a good thing going back then but I wouldn’t go near one from the last decade. They blow engines like there is no tomorrow, often at pretty low miles too. They still seem to sell pretty good around here though so I guess the company doesn’t care that much.
I was just gonna type, ‘that’s really weird, I always thought those were crap cars.’
I guess, YMM-really-V? Idk. Never owned or drove one.
My oldest daughter just bought a 24 Kia Sorento. Damned nice car and way better than the 16 Cherokee with its funny looks and rock hard seats and general cheapness. We’ll have to see how it stands up but she got it with 2 years and 15k of warranty still on it.
Sigh.
I feel as if this country has become a total racket. Everything is a ripoff designed to enslave me financially. And it seems like this has been a fairly recent phenomenon.
In 2009, the Fed crashed interest rates to zero. I had a 7% mortgage at the time, so I paid it off rather than try to save money at 0% while paying mortgage interest.
But my mortgage at the time was… ta daaa… $400 a month.
In 2008 I got a new F-150. $13,000. They were practically giving them away when gas hit $4.25. BUT the full sticker price on it was only $18,000. I’d buy three of them tomorrow if I could get them again for that price.
So things have gotten really crazy in this country financially in a short period of time. I can’t grok it. If somebody T-bones my truck tomorrow, how am I going to replace it?
I can’t. I sure as hell am not going to spend $50,000-90,000 on a damn truck.
I don’t know how people can get ahead any more.
Every business wants to be the cable company. That is, a monopoly with massive profit margins, ongoing/neverending monthly fees and financial games through ownership of cable networks. That game fell apart with the rise of Internet over cable, the margins are still pretty great if you don’t have to send techs out to fix things.
X: I have a 2001 F-150 (sticker $27,315) that will likely hit 50,000 miles in the next few months. If it is totaled because an air bag pops in a minor collision, I am sure I will be compensated so I can buy an equivalent replacement with 50,000 on the clock, right? Yeah, sure. “Book Value”: $4,000. Equivalent Replacement: $35,000, likely buying “somebody else’s troubles”.
And speaking of T-Bone, have you priced those lately?
Yep. Exactly.
Hi X,
It is possible to get ahead, but one does it through business ownership, taking advantage of bad situations, and refusing to keep up with the Joneses.
The greatest freedom one can possess is being debt free. When you owe no one, no one owns you.
The problem is you cannot be 100% debt free in the current economic reality. Not that you can’t be 100% cash positive but that without some debt your credit score gets dinked. Yeah, I know, social credit score and all. I’m not saying it’s fair. But if you decide to even participate marginally in the game you have to be aware of the rules. If you want to live debt-free then you need to be completely independent. If you are not then you’re being punished. I’ll use the grocery store as an example. They assume everyone is buying with a credit card, which tacks on 3% to the price of everything you buy. If you pay cash then you’re getting a 3% (or actually more) penalty, you’re paying the inflation tax on the cash itself plus the credit margin. So you should put that cash into an interesting bearing account and pay off your credit card without fail. If you have excellent credit then you additionally qualify for a card with perks, perhaps a cash back that drops your effective penalty or maybe even allows you to even it out.
Same with homes, cars, everything. Save the cash to cover, take the loan at favorable terms, get interest on the money you’ve saved and pay off the loan. We could pay off our mortgage but that’s not going to get them to leave us alone. So we keep our mortgage that was written years ago at a very low rate and keep that cash turning over in low risk investments, CDs, commodities, whatever. It just needs to grow more than than the annual rate on the mortgage, insurance and taxes.
It’s exhausting and I wish I could just pay it off but you’re entered into a game you didn’t ask to join and can’t quit. You won’t win, that’s guaranteed, but if you play it intelligently you might not crash and burn or finish last either.
Hi WG,
I did not say one has to pay cash only, but one can still be debt free and use credit cards…I just pay mine off in full each month and I charge my transactions on a no annual fee credit card with cash back rewards.
We paid off our mortgage several years ago. Even at 2.875% it wasn’t worth the noose around our necks. All our cars we pay cash for, because we are able to negotiate a better deal, especially when it comes to private sellers. Also, most older cars the bank will not finance, so cash is the only way to go.
I understand the point you are trying to make where one holds debt at a lower interest rate and then deposits the money into an investment vehicle that pays a higher interest rate, but you still have to come up with a mortgage payment each month. I am able to deposit what was once the mortgage and any other cash savings into the same investment and make more passive income.
Fair enough, you’re smart enough to understand but it seems like a lot of people who want to own the title to their home do so from an emotional standpoint. Gotta use your mind and not heart to survive. I’m not the smartest person financially but I was trained practically by the USN, in a way they created a monster of their own doing. The saying was “It’s not personal, it’s just business.”
I solve the monthly with an auto pay, it would be a year or two before the banks realized I am dead based on when the account runs dry and mortgage payments stop. It’s not 1974 anymore, I don’t actually write and mail in a monthly check. The Mrs and I do a lot of traveling so at least once, usually twice a year, we move money around, set up bill auto pays, forwarding and holding services for mail and packages. It does help that the house generates some supplemental income in the months we’re not there. We have property not far where I built a barn. Our plan is to sell the house soon and build something modest on that property. That house will be all cash, no loans.
At this point we’ve already sunk the interest. If I’d have been in a position to buy the house upfront with all cash then the situation would be different. But we’re in the nearly all principle tail of it and paying it off now isn’t going to get back that interest we lost in the first 1/3 of it. Doing things as we did let us help our kids get houses a few years ago, trying to build family wealth over time using their mom and me as the bank instead with the cash we’d put away. So their income is staying and growing in the family, not a vulture bank.
The book that changed my thinking was The Millionaire Next Door. Mid career machinist (who knows when the layoff shoe would drop), kids close to finishing school. It was the light bulb and we’ve done pretty well playing the game, to stop being a wage slave and get the system to work for us. We’re not retired fully and don’t ever figure to be. More like we entered semi-retirement in our late 40s and the “job” is managing the cash flow the past decade.
Yes, I am debt free, and I love it. But trying to pay for stuff is ridiculous these days. Seems like EVERYTHING has doubled in price in the past five years. That’s what happens when they print more money and debase the currency.
Oddly enough, when they print more money, you are better off being in debt, because you pay the debt back in debased dollars. Everything’s upside-down.
Hi X,
Which goes to the point of taking advantage of bad situations. Usually, when someone has a significant amount of debt they usually starting selling assets if they are unable to maintain their current debt load. Right now, in my region, there are quite a few businesses that are closing (for multiple reasons). My husband’s current employer has decided they are going to shutter their doors this fall because the owners are in their 70s and are retiring (not because they aren’t making money). Tons of company trucks, tools, HVACR supplies, etc. they want off their books in the next 60 days. It is a benefit to the owners (quick turnaround on their sale of assets) and benefits the buyers because we are getting many things at cost (or even below cost).
Also, it pays to shop around. We are buying a shed. The current shed supplier in our area wants $13K to build and deliver. Found an Amish guy in PA that will do it for half the cost. We purchased our last shed from him. His costs have increased 10% to us. The local shed supplier increased theirs by 105%. Greed or inflation?
I don’t dispute that costs have increased, but in my business I have kept costs minimal to my clients. Sure, software has gotten ridiculous and my rent has increased 3%, but overall it has been a dent…maybe $25 to $50 a year per client has been added. I am not here to rake people over the coals.
RE: “Seems like EVERYTHING has doubled in price in the past five years.”
There is no, “seems like”.
One example: 57%
https://www.oftwominds.com/blogjun25/hollowed-out6-25.html
Oh wait, maybe the 57% comes from his bit,
‘How Housing Bubble #2 Bursts’
Potatoes, pototoes?
RE: “It is possible to get ahead, but one does it through business ownership”
…So, the message is: all the rest of you hourly wage earners, suck it up, you’re screwed. Only us upper-class have a slight chance of a way out.
I say, I say, I see.
“So, the message is: all the rest of you hourly wage earners, suck it up, you’re screwed.”
Correct.
“Only us upper-class have a slight chance of a way out.”
Incorrect. We keep convoluting business ownership with something only the “rich” can do. Taking advantage of laws that reduce our taxable liability, protect our assets, and have the ability to generate wealth is an option for anyone.
The family that owns the local pizza parlor, the lady that owns the picture studio, or the man that owns the plumbing business need not be millionaires, but they use the system because it provides benefits for risk takers.
‘it was necessary to reassure the people signing up for these second mortgages [with 10-year, 100,000-mile powertrain coverage]’ — eric
… because when wage-slave, truck-drivin’ serfs have a four-figure monthly nut for their loan payment, they can’t afford a major repair. Nor can the manufacturer, when one breakdown can morph that loan ‘asset’ into a repo.
So this is what the car biz has turned into: selling extravagant status symbols to people who are barely keeping their heads above water and, truth be told, probably should be riding a bicycle or a scooter to work.
This morning brings news that Democrat socialist Zohran Mamdani won the NYC primary ‘on an optimistic message about affordability and the rising cost of living,’ according to the Slimes, sending the decrepit, moth-eaten old vampire Andrew Cuomo to his political grave.
‘Mr. Mamdani ran a relentless and cheerful campaign focused on affordability in a city that has grown too expensive for an expanding circle of residents, with zippy videos and catchy tag lines like “freeze the rent” and “free buses” that told voters he cared first about their wallets,’ reports the NYT.
Catchy indeed! When Trump’s successor imposes full communism by executive decree on Jan 20, 2029, you’ll hear the next evolution of this slogan: Free money, free beer, free love! 🙂
Call me crazy but the drive train in a vehicle should last 7 years easily with no problems what so ever. The catch will be in the fine print; if it bolts onto the engine is it covered? Items such as water pumps, manifolds, thermostats seem to fail a lot faster than they used to and can cost a lot to replace especially when the bolts holding them in snap as is common now with exhaust manifolds. The steal of course will be in the fine print.
The next question is how much will they charge for an extended warranty covering the electronics as that is where parts and labor costs have gone crazy?
You nailed it Landru. The contract language will tell the tale. My bet is it doesn’t cover a lot of misc. stuff past the normal 3/36, or 4/48, or whatever. We’ll see. But it will get people to buy them.
Touch screen bricks? SOL.
RE: “the drive train in a vehicle should last 7 years easily with no problems what so ever”
That’s, ‘The Best’ “we” can do?
…After automobiles have been around for X-number of years, that’s, the best “we” can do? 7
> “Eighty-five percent of truck buyers finance for seven years or more.
Which means that 85% of pickup (not “truck”) buyers will be “upside down” on their payments, meaning if they wreck the vehicle, the insurance payout will not pay off the outstanding loan balance.
Enter “gap insurance.” If you need “gap insurance” you are a financial idiot, IMO. Mr. Kuntsuckus asserts that describes 85% of buyers. This way to the egress, folks.
Many years ago, the finance manager at an auto dealership told me they make more on financing than they do on the sale of the vehicle. Step right up, folks.
Don’t forget Adi that when negotiating the price on your future disappointment is to never say you’re paying cash. Negotiate the best price then talk to financing then tell them you’re paying cash. There are some good videos that explain this online.
Oh, yeah.
They hard sell on “payment” for sure.
Hmm, never heard this before:
“when negotiating the price on your future disappointment is to never say you’re paying cash. Negotiate the best price then talk to financing then tell them you’re paying cash.”
THAT, seems like another good subject for a future EPautos article.
Hi Helot.
Apparently since they can make up for the profit they lost when you haggled over the sale price by charging a higher interest rate. They won’t cut you a “deal” then if they know you’re paying cash.
Of course. That’s why they run the credit check before showing you any cars. Have to find out how much of a monthly payment you can tolerate.
That’s not a new revelation. When we bought our new Toyota in 2016 we had the cash but negotiated without saying so until we came in with a checkbook. The salesdrone was actually pretty good, didn’t waste our time. She laid her cards on the table and suggested we should apply for a loan anyway, since she assumed we had an excellent credit score.
At the time the “well qualified buyer” rate they were advertising was 2.something percent but they offered us literally zero, as in take our agreed cash price and divide it equally into payments. No catches, buying points, early penalties, etc. But it had to be 24 months.
The reason for this is they bundle loans. They need good notes to offset poor ones since CDO and CLOs are rated on margin but risk, too. We did the loan, left 12 payments in the savings account (that got a small interest rate), the balance went into a 12-month CD with decent interest that when it matured we used to pay off the loan. We didn’t make out like bandits but got some oil change and gas money from the house. Who really wins is Wall Street of course, but if you’re forced to into the casino at least try to tilt it a little bit.
RE: “That’s not a new revelation.”
Maybe, to you.
Recent interview with a former GM engineer about bean counters and how they force the race to the bottom in terms of reliability. VERY interesting.
https://m.youtube.com/watch?v=mNnKCEnwp6c
This is where the car market is going – to NEVER be out of warranty and thus always be making payments.
One common mantra of the EV disciples we hear about “But the batteries are factory warranted for 8yr/150k miles!!!!!”
And then what?
Then consumers – terrified of now being responsible for repairs – head right back to the dealer and take on a new car loan/warranty.
>always be making payments.
Isn’t that called “leasing?”
Not that there is anything wrong with that.
I leased my last new car (2013) and was quite happy with my choice.
Tip: whether leasing or buying, carefully peel off the window sticker, and save it. If you should total the car, the window sticker is proof of how it was equipped, which prevents the insurance company from “low-balling” you on the residual. Worked for me.
RE: “carefully peel off the window sticker, and save it.”
That’s f-ing bizarre. …Rip-off World.
One very strong stream of wealth used to pay for toys like this Ram 2500 is the entire Woke/DEI movement itself. Jews, using their control of banking, government and media, have infiltrated society at every level and forced white people to discard white meritocracy and accept “diversity”. In government, NGO’s, and in big business. Diversity is overrepresented in every HR department across the west.
The vast majority of these woke/DEI jobs are extremely overpaid since the most important requirements are ethnicity, gender and Judea-Communist connections. On top of that, since the vast majority of these people never had to work to prove themselves suitable for the job, most of them are amoral and prone to looking for any kind of “benis” or gibs on the job. Cheat on overtime? Take advantage of TDY? never.
As a consequence of this Judeo-Communist takeover, diversity has entered the upper middle class, and diversity also loves “the safety” of oversized armored car sized SUVs.
One thing diversity is well known for, is its propensity to go into debt. Hence as this new entitled faction in society plunders society and gains an ever bigger slice of the pie, it also increases the amount of debt beyond what one might think in terms of per capita.
Warranty is what I did for a living when I was an auto-insider. Coverage NEVER had anything to do with testing at the manufacturer that I worked for. Coverage length was determined by marketing and what the competition was offering. Eventually, the ‘quality’ organization was built up around this after realizing long warranty periods were very expensive. We tried to feed the ‘lessons learned’ back into the design process. Nobody would listen. The financial reporting arm of the company then uses the ‘quality performance’ (or lack there of) as the reason why the company misses its quarterly Wall Street estimates perpetually. Pathetic.
“Pathetic”
Term of the decade(s).
It seems that the auto makers are doing “planned obsolescence” on themselves or they are delusional thinking the public will continue to pay those exorbitant prices. Either way, America is going to look like Cuba piecmealing autos to keep them running or going back to horse & buckboard wagons like in the 18th century in the near future.
RE: “or they are delusional thinking the public will continue to pay those exorbitant prices”.
That’s what I once thought, too. Like, who is going to pay $10,000 for a rusted out Chevy pickup? !!?
I said that in the 1990’s.
…Turns out, quite a few million people will pay $10,000+ for a rusted out Chevy pickup with 200,000+ miles on it.
Obscene.
Trust me, horses are expensive, unreliable, and high maintenance. There aren’t and won’t be enough of them to go “back” to.
“Ninety-thousand bucks would cost you at least $1,500 per month to pay off over five years. That’s a second mortgage. ”
…
“Who buys these things, I wonder? I ponder the numbers.”
Libertarianism pretends to be color blind, and that is its greatest weakness. Eric has said himself that basically no one is illegal as long as they come to work. The problem here is that our society and our neighborhoods are forced to adapt in many disadvantageous ways to mass immigration and, more importantly, invasion of cultures and ethnicities hostile to our own.
As Scott Adams famously quirped: White people should get the hell away from Black people
Resegregation is happening all over, it is why Detroit and Cleveland are carcasses crawling with parasites. No one wants to ride on the train or send their kids to school with feral diversity.
Suburban white race realist mothers are afraid of diversity and as a consequence they want to drive their babies and themselves around in what are becoming ever more like armored cars.
So they make their choice. Rather than pulling up in a Prius to the stop light next to blinged up gangsta SUV, they drive up in the equivalent to a 1944 White Power Wagon armored car.
Is it worth an extra $700/mo? They think so.
They don’t call it dieversity for no reason.
Are you, ‘in The Pay’, or just stoopid? “Libertarianism pretends to be color blind”
What manner of human being are you?
Are you a vampire?
Because, “No one wants to ride on the train or send their kids to school with feral diversity.” is that a diversity problem? Or, is it a goobermint caused situation?
https://www.lewrockwell.com/2010/06/john-taylor-gatto/against-schools/