In 2015, I was closer than expected to getting a brand new Mercedes Benz.
Being contracted with a sales agency at the time was an advantage in this case since they preferred their agents to have flashy vehicles for recruiting purposes.
The filthy rich co-owner of the company was willing to pull some strings to make this awesome idea a reality for me.
But under no circumstances did I want my manager to know about any of this.
I knew how his mind worked in these situations and I strongly believed that he would try to stop the Benz thing from happening.
This was because he knew that my financial situation was fucked up. Me getting that type of car would’ve taken my life from nightmare to major league catastrophe.
Well, the muthafucka found out anyway and told me exactly what I knew he would:
Getting that car would be a terrible idea and until I could show him a bank statement with at least $20,000 in my account, he advised me not to get it.
Long story short, I ended up not getting the car and it wasn’t entirely my choice. I was frustrated but I didn’t let it get me too down in the dumps.
Three Years Later…
I was on a walk and I thought back on that Mercedes Benz incident. At this point, I had also gained a lot more clarity and good sense.
Even though I was again without a car at that moment, I thought about how incredibly lucky I was to not get that sweet ass Mercedes a few years earlier.
What I didn’t mention about the status of my life when I was trying to get the Benz is this:
The 2006 Chrysler 300 that I had gotten in 2012 had just been repossessed, and my earnings with the sales agency had been declining for months.
Since my income was 100% commission based, and I had zero savings, poor credit and overdue bills, I was a damn fool to even think about buying a $35,000 imported luxury vehicle when the $14,000 used domestic one proved to be too much for me to handle.
As I considered all of those details while on that walk three years later, I shook my head at my younger self’s unbelievable irresponsibility and short sightedness.
With my horrific credit rating and the elite status of the Benz, my monthly payment would’ve easily been north of $1,000 per month. I was already paying $433 per month for my ’06 Chrysler in 2015.
When I factored in the actual cost of ownership for the brand new Mercedes that I was aiming for, the amount of money required monthly would’ve been instantly overwhelming for me.
From premium fuel, car washes and detailing to the cost of batteries, tires and everything else, that Benz would’ve ruined my life. I believe repossession would’ve been guaranteed in less than five months.
If you’re even remotely as irresponsible and airheaded as I was in trying to acquire an expensive luxury item that you’re nowhere near prepared for, STOP.
Try to think rationally, avoid the relentless pull of temptation and hold off on what may very well become the biggest regret of your life:
Getting what you want.