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#63 - How To Buy A Car In 2026, Cars Worth Too Much To Drive, The Craziest Negative Equity & More

#63 - How To Buy A Car In 2026, Cars Worth Too Much To Drive, The Craziest Negative Equity & More

Clutch Culture Podcast Jan 26, 2026 75 min
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About this episode

Navigating the car buying experience in 2026 is a hot topic, especially with the rising frustrations around dealership practices and negative equity issues. The hosts discuss the emotional turmoil many face when purchasing vehicles, emphasizing the importance of understanding budgets and making informed decisions. They also touch on the challenges of electric vehicles, the market's current state, and the need for consumers to take responsibility for their choices. Additionally, they share insights on the Mustang's uncertain future and the impact of rising prices on traditional car enthusiasts.

Technical Too Afraid to Ask
Toyota Tacoma
Noah Wulf (CC BY-SA 4.0)
Car

Toyota Tacoma

"...nished last year 8% up, record-breaking year for Tacoma. So everybody's buying vehicles."

The Toyota Tacoma is a tough little truck that people love for its ability to drive on rough roads and carry heavy things. It's popular because it's reliable and holds its value well over time.

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Concept

direct to consumer

"...the best idea to abolish the whole system. And I can tell you if you've seen probably the biggest direct to consumer brand in the car business, Tesla..."

Direct to consumer means that companies sell their products straight to people without using stores or dealerships. Tesla is a good example of this.

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Brand

Tesla

"...the biggest direct to consumer brand in the car business, Tesla, we're pretty unique here in Vegas. What I get to witness, first of all, we got two massive Tesla distribution centers..."

Tesla is a car company that makes electric cars and sells them directly to customers instead of through traditional dealerships.

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Brand

Rivian

"And before anybody says it, well, my friend has a Rivian and my friend has a Lucid and might I've had lemon laws with all of them."

Rivian is a company that makes electric trucks and SUVs. They are known for their focus on outdoor and adventure features.

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Brand

Lucid

"And before anybody says it, well, my friend has a Rivian and my friend has a Lucid and might I've had lemon laws with all of them."

Lucid is a company that makes high-end electric cars, especially known for their luxury sedan called the Lucid Air.

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Term

lemon laws

"might I've had lemon laws with all of them. And shown Rob the paperwork on that. Literally all of them."

Lemon laws are laws that help people who buy cars that have serious problems that can't be fixed. If a car is a 'lemon,' the buyer can often get a refund or a replacement.

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Term

MSRP

"...we give them the options at $40,000 because that's the logical thing to do. They then go, why don't like those options? They walk themselves back onto the car lot, say, how much does this cost? You go, well, that's $60,000."

MSRP is the price that the car maker suggests the dealer should sell the car for. It's a starting point for how much you might pay for a new car.

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Civic Type R
MercurySable99 (CC BY-SA 4.0)
Car

Civic Type R

"I want this M3 or I want this type R."

The Honda Civic Type R is a sporty version of the Honda Civic that is built for performance. It has a powerful engine and is designed for driving enthusiasts.

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BMW M3
Matti Blume (CC BY-SA 4.0)
Car

BMW M3

"I want this M3 or I want this type R."

The BMW M3 is a fast and sporty car that is part of the BMW 3 Series. It's designed for people who love driving and want a car that performs well.

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Term

manual transmission

"...we showed you all these sports cars, manual transmission under $40,000. He goes, well, not in my area."

A manual transmission is a car system where you have to change gears yourself using a stick and a pedal. It gives you more control over how the car drives compared to cars that change gears automatically.

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Term

out-the-door price

"But the whole part of this is, and then you say, what's the out the door price? I don't give me the out the door price."

The out-the-door price is how much you will actually pay for a car after adding everything together, like taxes and fees. It's the total amount you need to hand over to buy the car.

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Term

trim models

"Know the car you're going to buy and what trim models are in there. Go in there and say you want to walk out the door with this price."

Trim models are different versions of a car that have various features and options. For example, one trim might have a sunroof while another doesn't, or one might have a more powerful engine.

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Term

financing

"...They just, they don't have to deal with financing. I've, I've done nothing but cash deals on my own cars."

Financing means getting a loan to buy a car, so you can pay for it over time instead of all at once. It's a common way for people to afford more expensive cars.

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Term

cash deal

"...I've always had a fund of buying and selling cars personally that that money's always just reinvested quote unquote, reinvested back into cars that I want. So when you do a cash deal, the worst thing you can do when you're paying cash is walking to dealership and go, I'm going to be paying cash."

A cash deal means you pay for the car all at once, instead of borrowing money to pay for it. It can make buying easier, but it might not give you the best chance to negotiate a lower price.

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Toyota Land Cruiser
TTTNIS (CC0)
Car

Toyota Land Cruiser

"...dealer that had tons of Land Cruiser LX experience. If I don't search eBay, again, I miss out on the deal."

The Toyota Land Cruiser is a tough SUV that's great for off-roading. The LX is a version that usually has more luxury features than the standard model.

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Company

Bring a Trailer

"Um, that, that, you know, again, I've told you guys, these auction sites aren't your friend, make sure you do your due diligence, just like you do it a dealer because they are a dealer, essentially."

Bring a Trailer is a website where people can buy and sell cars through online auctions. It's known for having interesting and classic cars available for bidding.

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Term

22 year old vehicle

"I was buying a 22 year old vehicle at the time."

A 22-year-old vehicle is a car that was made 22 years ago. These cars can be special because they might be considered classic, but they may also need more care and attention than newer cars.

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Jeep Gladiator
Noah Wulf (CC BY-SA 3.0)
Car

Jeep Gladiator

"...he best things about them anyway. I didn't watch Gladiator 2 for that reason. I didn't either."

The Jeep Gladiator is like a Jeep but with a truck bed, so you can carry stuff while still having fun off-road. It's great for people who love adventure and need a vehicle that can do both jobs.

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Term

engine

"But the insurance and if the engine blows up, it's going to cost me 70 grand"

The engine is what makes the car go. It turns fuel into power so the car can move. If the engine breaks, it can be very expensive to fix.

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Concept

one of one

"Like, I think he even showed an orange spec, like a one of one kind of spec. One of one, by the way, that nobody wanted."

'One of one' means there is only one car made with that exact combination of features or colors. It's special because no other car is exactly like it.

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Term

rare spec

"So now it sells for 1.2 because it's considered a rare spec. It's ugly as sin."

A 'rare spec' means that the car has special features or colors that are not found in most other cars of the same model. This can make it more valuable to collectors.

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Concept

delivery miles

"...because they were basically delivery miles or under 600 miles on all of them. Things nobody would have wanted back then."

Delivery miles are the miles a car has driven before it was sold to a customer. If a car has very few delivery miles, it means it's almost like new and hasn't been driven much.

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Term

supercar

"...the exotic supercar YouTube world, right?"

A supercar is a very fast and expensive car that is designed for high performance. These cars are often rare and have special features that make them stand out.

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Ford F-150
UltraTech66 (CC BY-SA 4.0)
Car

Ford F-150

"...somebody buys an F 150. They don't think they have to adjust their fricking headlights..."

The Ford F-150 is a big truck that many people use for work and everyday driving. It's known for being strong and able to carry heavy loads.

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Jeep Grand Wagoneer
Kahvilokki (CC0)
Car

Jeep Grand Wagoneer

"...I have a Jeep Grand Wagoneer that was 101. The lady wanted to change it in for a time for maybe some catalogue..."

The Jeep Grand Wagoneer is a big, fancy SUV that can handle rough terrain while offering a comfortable ride. It's great for families and people who like to go on adventures.

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Jeep Grand
Alexander Migl (CC BY-SA 4.0)
Car

Jeep Grand

"Like, what do we do? Because I have a Jeep Grand Wagoneer that was 101. The lady wanted to change..."
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GMC Yukon
OWS Photography (CC BY 4.0)
Car

GMC Yukon

"...or a Yukon, and she still owed 99 on it after having it..."

The GMC Yukon is a large SUV that can carry many passengers and their gear. It's comfortable and has a lot of features that make driving easier and safer.

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Term

crossover

"A crossover, really? A crossover, right?"

A crossover is a vehicle that mixes the characteristics of a car and an SUV. It usually has a higher seating position and more space, making it popular among families.

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Subaru Outback
IFCAR (Public domain)
Car

Subaru Outback

"Cause Subaru has killed it by having the Outback, which was essentially a wagon. It was just a little taller, but not always."

The Subaru Outback is a type of vehicle that combines features of a car and an SUV. It's good for families and outdoor activities because it has more space and can handle rough roads better than regular cars.

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Chrysler Pacifica
Bull-Doser (Public domain)
Car

Chrysler Pacifica

"...ke they are now. Um, by the way, did you see the Pacifica Grizzly? No, keep talking."

The Chrysler Pacifica is a big family van that has lots of room for kids and their stuff. It's designed to be comfortable and easy to use for families on the go.

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Toyota Sienna
Dinkun Chen (CC BY-SA 4.0)
Car

Toyota Sienna

"...this feels like a missed opportunity. This is just a Sienna. Like people already liked regular Sienna."

The Toyota Sienna is a family minivan that offers a lot of space and comfort. It's especially good for families because it has features that make it easy to use and drive.

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Volkswagen Passat
Vauxford (CC BY-SA 4.0)
Car

Volkswagen Passat

"...there was nothing. I had a 16, 17 year old kid's Passat in my shop because his dad's a great customer of..."

The Volkswagen Passat is a roomy car that's good for families and everyday driving. It's comfortable and has a nice feel when you drive it.

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Car

American Pacers

"..., I'm not going to watch like, you know, Nuggets Pacers. I'm going to go ahead and just, you know, I wil..."

The AMC Pacer is a quirky little car from the 70s that people remember for its unusual shape. It's not very common today, but some folks really like its retro style.

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Ford Mustang
Hans-Jürgen Neubert (CC BY 4.0)
Car

Ford Mustang

"...calling up Ford and the dark horse SC and all the nonsense of not doing anything with the Mustang. You and I've actually talked about how..."

The Ford Mustang is a popular sports car that has been around for many years. It's known for being fast and stylish, often associated with American car culture.

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Term

analog gauges

"But that was kind of the summary. And then also he pointed out that in 2026, Ford's bringing back more analog gauges moving away from the 12 inch digital cluster, which I think is cool because I do like regular analog."

Analog gauges are the round dials in cars that show things like how fast you're going or how much fuel you have. They use needles to point to numbers instead of digital screens.

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Term

digital cluster

"...moving away from the 12 inch digital cluster, which I think is cool because I do like regular analog."

A digital cluster is the screen in a car that shows information like speed and fuel level using numbers and graphics instead of dials. It can often be changed to show different information.

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Porsche Cayman
Vauxford (CC BY-SA 4.0)
Car

Porsche Cayman

"...n boy. Although now he switched to a 20 year old Cayman S for his hot rod. Pretty cool."

The Porsche Cayman is a fancy sports car that drives really well and looks great. It's designed for people who love speed and want a fun car to drive on winding roads.

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Chevrolet Camaro
Ermell (CC BY-SA 4.0)
Car

Chevrolet Camaro

"...tell your friends you bought a Camaro, there won't be none the wiser. There's no distinctiveness to the Mustang anymore."

The Chevrolet Camaro is a sporty car that is similar to the Ford Mustang. It's designed to be fast and has a cool look that many people like.

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Dodge Ram
Mr.choppers (CC BY-SA 3.0)
Car

Dodge Ram

"...wnfall. We're watching your electrical issues at Ram and Dodge as a whole. We know."

The Dodge Ram is a big truck that can carry heavy loads and is great for work or play. Just be careful with some older models, as they might have electrical problems.

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Term

British Racing Green

"...that racing green. You know, that racing green. It could look like a Lexus or something like that. Lexus green, like, yeah, that could be our British racing green directly."

British Racing Green is a specific shade of green that many British race cars are painted. It's a classic color that represents British racing heritage.

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Brand

Lexus

"...It could look like a Lexus or something like that. Lexus green, like, yeah, that could be our British racing green directly."

Lexus is a brand of luxury cars made by Toyota. They are known for being comfortable and reliable, often featuring high-end technology and design.

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17 cars featured

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