Hey, what's up guys my name is John and I'm an emergency medicine
Physician Assistant I have some exciting news I bought a new car.
It is a sleek, sexy, 2018 Audi S5 coupe. Or how I like to say it – because I speak French.
Coupé.
So in this video I'm going to share with you guys why did I buy a new car, kind of
what cars I was searching for, my dealership experience, and the finances behind a new car.
The reason I'm making this video is some people want to know about the life of a Physician
Assistant so I wanted to be a bit transparent about what's going on. A lot of PA students
work really hard and there's no light at the end of the tunnel and hopefully a video like
this will serve as some sort of motivation for some young 20-something year old out there.
So I crashed my baby. It was a 2015 Audi A3. I love that thing. I got it,
believe it or not, as a Christmas gift.
It had 55,000 miles on it. I wound up driving it to 115,000 miles, more or less.
I was probably gonna drive it for another year or two. There was really no issue with the car.
In the meantime, I was saving up every month for a new car
but there was really nothing wrong with my 2015 A3.
It had leather seats heated interior it was all-wheel drive
it looked nice I mean could seat five people it had enough cargo capacity for one single person
the sound system was great I loved the sound system yeah overall it was a great car
believe it or not it was, I mean, it was fully paid off for all I was paying for was gas and
stuff I didn't have a car note it was a good setup for me and unfortunately one day going to work
I crashed the car and Geico in the end decided that they were going to total it and give me
11 I consider myself a car guy I've always had an interest in cars so I'm not really
the type of person that is a car only gets you from point a to point b, blah blah blah.
No. I actually like to drive. At a random 3 AM in the middle of the night sometimes I'm wide awake
I'll go for a nice night drive. Sometimes, you know, I just take my car out for a spin.
Likewise I'm a young single individual. I don't have kids or anything like that.
I'm not transporting a bunch of people. I'm not transporting a bunch of goods so
in terms of practicality I don't really have a ton of practicality requirements.
You know, I live in Pennsylvania. We do get some harsh winters at times.
I definitely wanted something all-wheel drive that could kind of save me in a poor snowy
condition situation like it has in the past. All-wheel drive is not a substitute for good
snow tires, but at least it's something a little better than having nothing, right?
So after I crashed my car I was on Car Gurus. I was on carfax. I was on all of
these car browsing websites in addition to dealer sites.
I was looking at used 991 911s, used Porsche Boxsters, Macan Turbos,
used bmw M4s, I was looking at even some 550 coupes.
I, I did look at some Audi RS 3s, S5s. A6s, etc. etc. and ultimately, I mean, I liked Audi. I
wanted to stay with Audi. So back a couple years my brother had a 2013 Audi S5 that was manual and
it was very nice. It was a very nice car he kind of sold me on the S5. I started looking at S5s in
the end I zeroed in on two different cars both of them were in my immediate vicinity one was white
prestige all the bells and whistles red interior it was a 2018 it was for 42 thousand dollars it
had 20 000 miles on it the other was a black S5 it didn't have the navigation it didn't really
have the upgraded wheels it was three thousand dollars less but it had forty thousand miles on
it so I went to the go see the white one first and as I get to the dealership the guy's like
I sold that car an hour ago I test drove the black car. I mean, I really liked it
um I told my brother what was up he came in with the assist he lives in the dc area and he found
this gray 2018 S5 all the bells and whistles i was like sure i'll check it out. I mean,
more or less I was it was a big dilemma for me I was really between these two cars
going to the dealership in a time of pandemic was a little strange my only gripe was that
Audi rockville attempted to make us pay for a 300 pre-installed security system that they added on
kahu now I've never heard of this thing in the dealership i looked it up and you go to the
website and kahu at least at the time everything there was marketed towards dealerships the pitch
was car dealerships could increase their roi they can track the vehicles they can protect
their fleet from theft you know if the car is on the lot and someone steals it at least the kahu is
tracking where it is right and then they can find your car if you don't pay your car note i mean
granted they started telling me all these security features that the kahu added and i was like
literally please listen to me i don't want to pay 300 on something that i am not going to use at all
like the first thing I'm gonna do when i come back to pa is I'm gonna uninstall it and i know
people are like oh my god you're buying a 40 000 car and you're gonna make a big stink about three
hundred dollars yes ex um car salesmen will tell you you know these add-ons are essentially bullsh
just a quick way for the dealerships to make an extra thousand two thousand dollars first of
all you're paying three hundred 300 for security system you're not going to use that's a whole car
payment ultimately i talked to the manager i talked to people i was like man it'd be a shame
if i'd have to buy this really nice car and then leave a really bad review because you guys forced
me to buy something that i don't want in my car that is an optional add-on thing there was an ipad
and i got to unselect the security system and the sales guy would reselect it and i'd unselect it
again and be like i don't want to pay for this I took a small win that day they uninstalled it.
I checked the paperwork very carefully I made sure there was no other nonsense
really going on in there and it was fine in the end bought the car not an issue.
Let me talk about finances. I like to talk about personal finance, so personal finance means
everybody's personal situation is a little bit different than someone else's, right?
I don't recommend every new grad PA run out and buy a new car. Actually, I think you should pay
down really high debt first. You should start building up wealth and accumulating wealth.
I budget very religiously where every dollar goes in terms of transportation so my car note my gas
my maintenance car insurance and repairs all come in at under seven percent of gross yearly earnings
so I'm spending less than seven percent on transportation a year my student loan debt
burden is really low compared to my peers I'm actually net worth positive um in terms of my
total net worth and finances right now I have lots of money in a Roth IRA i have
lots of money in my 401k. I'm still saving up money for a down payment for a house or
a rental property with my brother. I'm still reaching all of my financial goals
even though I bought this car. I think in terms of personal finance it's all about
identifying your priorities and kind of working from there, right? Because I'm still saving up
money I still pay myself first in terms of all my investments and I had to really look closely
and I ran the numbers before I purchased this car saying yes you know I can swing this car
and not be hurting at all in any sense um with it so I don't really have regrets
I know people will say, “oh the new car smell will wear off,” or whatever.
I kind of disagree.
Even with my old Audi A3 four or five years later I still love driving that thing I still love
turning around and looking at it in the parking lot I still took it for drives I still
really enjoyed it and even though it wasn't brand new it was still my baby i love that car and i
already know that I'm gonna treat this new Audi the same way in terms of driving the car i love
driving the car I've owned it for a couple months now it is a beautiful car it's an amazing car it's
a great experience and it feels nice because the A3 was very much like the entry-level Audi that's
very good it'll meet your needs the S5 to me is a more adult version it's sportier it's nicer
it's sleeker i really like driving it I really like being in the car I really have nothing bad
to say about the car I mean maybe two years from now you'll see me make a video because i had a
horror story with it or something like that but in my experience the Audi brand has treated me
pretty well i haven't really had any issues with it and yes, I do save up monthly for maintenance
and regular costs and stuff so if I do need to switch a bunch of tires or something it doesn't
bother me it doesn't burden me that's how I came up on this decision to get this lovely Audi S5 I'm
so happy with the decision I hope you guys enjoyed the video hope you have a great rest of your day
if you liked the video hit the like button if you didn't like it hit that dislike button
let me know in the comments below what you're thinking I'll be happy to answer questions or
comments obviously check out my channel I got more PA, Physician Assistant related videos on there.
I'll be up... I upload something new every week every other week so um hit me up check me out.
Hit me up on Instagram if you want. I got photos of my car there too if
you want to see more photos stay safe out there have a great day