I moved from KY to NYC 3 years ago and I left my paid off car (2017 Toyota Rav 4 with 32k miles) back home. It was not being used ever, unless I came home to visit so recently I decided to drive the car back to NY and use it for bit then sell it. The problem is I still have to go through the title transfer (it was under my moms name), register it, insure it, and then find a place to park it in the city when not using. At this point, do you think I should’ve just kept it back home, paid the insurance on it and save it for future use or sell it and get a car when I eventually need one again?
A car is a depreciating asset. If you are certain you will have no need for it in the foreseeable future, I would sell it and invest the proceeds.
It will never be worth more than it is now. Sell it and put the money in a HYSA to save for a future car purchase or part of a down payment a NYC apartment.
The used car market is great for sellers right now. Especially for something like a Toyota or Honda. I personally would sell it. If down the road you need to purchase another vehicle, hopefully the market will have calmed down (for buyers).
I would just sell it since you don’t need one in the city.
Thank you everyone! Has anyone had any experience with selling a car through Carmax? Is the difference between using a service like Carmax and selling privately drastic? I’d love to hear all the details
Sell it, but don’t transfer the title to yourself beforehand.
Keep it and set aside whatever your payment was per month. Then you can buy your next car with cash. Keep repeating that cycle and you’ll never have a car payment again.
If you don’t need it you will save money by selling it. If you’re going to end up buying another car in the next year or two you probably just want to keep it. If you’re staying in NYC long term I’d sell the car and just rent one the few times / year you need it. You should be able to see rental rates in your area and calculate the break even point on rent vs own. My friends that moved to NYC after college didn’t take a car then just bought a new one when they moved out of the city. I think that makes sense.
If you need a car in the future how much is that going to cost. That said where is it? I’ll buy it
Definitely sell it. May be worth checking out the markets in NY vs KY for how much you could get it for in each place.
Personally, I would just sell it and put the money into an S&P 500 index fund. No need to own a car if you live in NYC. Wish I could say the same for Houston.
Sell it. Not only is it losing value every day, letting it sit is very hard on a vehicle.
Absolutely sell it – do some research whether you can get more for it in KY or NY.
If you plan on staying in NYC where won’t need a car often, take proceeds to put towards a 6 month emergency fund, any remaining invest in ETF
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