Cars & Money Apr 8, 2026

Shmee150 Part 2: How to Get a £3M Hypercar For FREE & The Ultimate Finance Loophole EXPOSED

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Pagani Huayra

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How many YouTubers own an SF90XX?

Is it one?

I know there are people who don't like my spec.

The comments are like, what happened?

Did they hit it with the ugly stick?

Because a lot of people think a gold car is number one.

I mean, it's brave.

What's the scariest car you've ever driven?

I know immediately, they let me loose on Dubai Autodrome with it,

and I did two laps, and I came in trembling and scared by it,

and I was like, I can't drive this.

I definitely think Ferrari names could do with some.

Refining, the 12-cylindry.

In English, it's 12-cylinder.

Very imaginative.

So when I got out of the F355 I drove,

that felt like a baby F50.

You can't even compare it.

It's a slow car.

On the M25, a truck drove into the side of me.

We had to hire lawyers.

Them saying it wasn't their fault,

oh, we've lost the video footage from the truck,

even though it was a brand new truck with cameras,

which was very inconvenient.

What's the most you've ever made on a car?

Interesting question.

Rank the four supercar brands, I'll say them,

and then you rank them fourth to top.

OK.

OK, so...

McLaren, Lamborghini, Ferrari, Porsche.

From bottom to top.

Yeah.

There's some pressure here, isn't there?

OK.

Obviously, they're all great brands.

Well done, I will edit that out.

No, no, no, you're not editing that.

They're all great, they're all great brands.

I'll say it between everyone, so it's hard to edit.

I know your video editing games, though.

So, bottom to top, Porsche, Lambo, McLaren, Ferrari.

I'm not having Lambo under McLaren, I think that, like...

Well, I've gone with that order.

But he's experienced different McLarens than what you have, that's why.

I've experienced more cars than me in the end, so...

I think the 675 is the reason you've put McLaren in front of Lamborghini.

For sure, because I love that car.

There you go.

I mean, I've had cars from all of these brands, right,

and done a lot of miles and met a lot of other people

who have cars from these brands, so...

So, why Porsche bottom?

I don't own one.

They're always bottom, aren't they? Everyone will be best.

There's nothing Porsche that makes you go...

They're too good at what they do.

Like I say, I've owned a bunch of Porsches in recent years,

so it's not that I'm not familiar with them.

I struggle with the dealer network, as I mentioned.

I struggle with that relationship with them.

And I feel like so many of the cars

are like the same thing, same thing, same thing, same thing.

You drove one, you drove them all.

A million different 911s are all kind of the same thing.

Plus, okay, forget the hypercar Porsche,

the 911 Spyder, whatever.

I should add to this caveat that while my dream car is an F-50,

by far and away, my second favorite car in the world

is a Carrera GT.

By far and away.

So forget what I call the hypercar versions of a Porsche.

I don't think any other Porsche is a supercar.

I have a very controversial view

on hypercars, supercars, and sports cars

that upsets a lot of people.

I view that you should categorize a car,

which category it's in, based on the base model of that lineup.

So to me, a GT2 RS or a GT3 RS is a sports car,

because it's a base 911, jazzed up.

The GT Black series is also a sports car,

because it's an AMG GT.

SF90XX is a supercar, because the base is an SF90.

I feel like...

I agree with you.

I don't think that...

Totally agree with you.

I think this is often a myth.

Where it gets a little bit controversial recently

is the Corvette ZR1X.

I don't know if you know much about the new Corvette

on this side of the pond.

They've taken the mid-engine Corvette,

1,250 horsepower hybridized twin-turbo V8.

It's faster on any performance metric than W1 or F80.

Yet it's a Corvette.

A Corvette is a sports car,

but it's more powerful and faster than a hypercar.

This is the one, like, grey area.

That is a grey area.

But you're out looking how they categorize.

I totally agree with you.

I've always lived that you should look at the...

You should put it in these, you know,

supercar sports...

Sorry, sports car, supercar, hypercar,

in where the base model is.

Because to a lot of people,

while a GT2 RS is not a base Carrera,

they are still 911s on the same chassis,

on the same platform.

OK, so we've gone wide Porsche 4.

You're not loving Lamborghini, are you?

I love spending time in Lambos,

and I love Lambos as a brand,

and I've visited the factory a lot of times.

They are incredibly kind to me as well, actually.

Considering I don't own a Lamborghini,

the team there are really nice to me

with filming opportunities, with visits.

You know, if I go to my channel,

I think seven of the top 10 videos on my channel are Lambos.

There's a huge Lambos...

Why have you not got a couple of Lambos here?

I feel sad.

Rob has an Aventador Roadster.

Yeah, I think...

I just love that car.

But in a way, it boils down to the fact

that there are so many Lambos on the internet.

Yeah, I suppose.

Let me go the other way.

How many YouTubers own an SF90XX?

Yeah, but you are pink.

You are blue.

Yeah, but that separates men from the boys, doesn't it?

It creates unique content.

Whereas even if I'd been a Lambo collector

and had got up to an SVJ,

there are tons of SVJs on YouTube.

You don't have to look far to find SVJ videos.

So I think part of it, for me,

was that opportunity to create unique content.

And growing my relationship with Ferrari

has actually been amazing for that.

Yes, I know it makes my platforms very Ferrari heavy.

But Ferrari represent about a quarter of the supercars ever made.

I don't think you can have any kind of

supercar platform and not be Ferrari heavy.

Well, that's what I mean,

because a quarter of the supercars ever made a Ferrari.

A quarter of my collection is Ferrari.

A quarter of my videos are Ferrari.

It's going to end that way

because of how many cars they've made over the years

and how powerful the brand is.

You can't get away from Ferrari.

Okay, let's talk about the look

because you said something which I thought was really fascinating

before we went on camera

because I personally, I'm not in love with the new look.

I realised that's just my opinion.

But you know, I am in the market for these kind of cars.

To me, they look very electric, American.

I know you said there might be some throwbacks.

But you made an interesting point that

maybe I'm just not understanding

what they'll look like when we look back in 10 years.

I think it's really interesting

and the next car actually coming up

is the Dodici Cilindri or the 12-cylinder.

Not the 12-cylindri.

Just in case.

In English it's 12-cylinder.

You know, 12-cylinder engine.

Very imaginative.

I definitely think Ferrari names

could do with some refining.

But the Dodici Cilindri from the very beginning

made people go,

what is going on here?

Right, black bar across the front.

Slightly weird looks.

The coupe with its kind of delta wing on the rear deck

is also another angle.

And especially when you compare

to the previous generation cars,

the 812, the F12,

very classically beautiful Ferrari.

Beautiful cars.

Right, the 812 when it was new

wasn't accepted as well as the F12.

You know, when the 812,

I mean, I've been at the launch events

of all of these cars.

So I've got the comments on my channel

from each of these launch videos.

So I can look back and see what people say.

And one of the particularly fascinating ones,

when the F12 TDF came out,

do we all agree that the F12 TDF

is one of the coolest Ferraris?

Oh yeah, I'm a fan of the TDF.

My first video of the TDF,

the comments are like,

what happened?

Did they hit it with the ugly stick?

All the comments.

But now, not that long later,

it's only been 10 years.

We love it.

I certainly love it.

It's one of my favorite cars that I don't own.

Would love to own.

So what I think happens with Ferrari,

and you know, like I said,

I go to all of these events,

so I've been lucky to meet

with Flavio Manzoni,

who's head of Ferrari design,

with Carlo Palazzani,

who's the exterior designer,

well, now responsible for the design

of most of these new cars.

And it's super interesting

to hear the way they talk about it,

because they're obviously playing

a very different game to us.

We're looking at what we know,

and we're particularly,

as buyers at the minute, nostalgic.

We look at things,

we're scared of the future,

we don't want electric,

we don't want change,

all these new Chinese cars.

It scares us,

well, cars beeping at you

every five seconds, right?

We're scared of new.

So change is something

that we don't take very nicely,

and the cars that are

immediately doing very well

at the moment,

they turn out to be pretty free,

because it looks like the old stuff.

The new Aston's, they look beautiful,

new vanquish,

not that used values of vanquish are great,

but people love it,

because it looks amazing.

It is a beautiful car.

It looks like what you've known

from an Aston for the last 10 years, right?

Nothing new to it.

But Ferrari's job isn't

strictly from the brand perspective

about right now,

it's about the legacy for the future.

And if you look at Ferrari cars,

especially if you go back

to the 50s, 60s and all the smooth curves,

then you have the 80s,

and you have Daytona and then Testarossa,

you have, go through the 90s,

things went through a wedgie shape

back into the curves of the F50.

Enzo, again, Enzo's like,

what happened is completely different design.

And Enzo, I was at the launch of the Enzo.

And it was like, what's this?

And everyone was like,

so underwhelmed by the design.

They were like, what's going on there?

I mean, the F50 is a beautiful car.

It's Marmite though.

There's 50% of people don't like the look of an F50.

It's always been my,

when I was a kid, there's my favorite car.

And I love F50s.

So I think it's a beautiful car.

And now they're worth 7 million pounds.

Everyone else thinks they're a beautiful car.

I remember my dad bought the first one in the UK

was £380,000 in 1994.

I think it was 1994.

That was the list price.

And I love the car ever since.

The Enzo, even I was like,

don't know about the design of that.

Now, or say from 10 years ago,

I would look at an Enzo and go, that is beautiful.

So what I find really fascinating about this

is the way that Flavio talks about it

is effectively that they're trying to create

a new design legacy for the future, this period.

They're trying to create a design

that today is different from what's come before

and it will be different going into the future

but creates a distinct identity.

And Ferrari, unlike other brands,

change very quickly.

If you look at Lambo, if you look at Aston,

you know, brands that have been making cars for many years,

the designs, even if it's 20, 30 years old,

hasn't changed much through to now.

You know, Lambo with their very edgy shapes,

Aston with their very smooth curves,

golden ratio kind of proportions.

Ferrari, every 10 years, the lineup is totally different.

You don't look at a 458 and look at, you know,

a new 849 and say they're the same company

because there's like nothing between them.

And that's almost their goal.

So the cars of today, we look at in 10, 20 years time

and go, that was a cool design of the 2020s.

And one of the biggest differences,

if you didn't like a car when the Enzo came out,

you maybe told your friends or talked about it

with a small group, but you didn't have social media

to go blah, blah, blah.

So everything's very different now.

I trust the process.

So I'm not going to sit here and say,

I think the Dodici Challenger is as beautiful

as I thought the F12 was the day that came out.

But I trust the process that they know more than we do.

I think they have a better idea of how people

will evolve with design.

They've been studying it for decades and understand it.

Then we do who look in with a very abrupt,

you know, simplified view of it.

But wouldn't you want to buy a car

that you just like the look of?

I mean, I'm not saying I don't like the look.

I'd rather I didn't like the look of.

But you've sort of said that you don't really like the look of it.

You trust for either in 10 or 20 years

you'll like the look of it.

I think spec helps massively.

Right.

So I know there are people who don't like my spec

because a lot of people think a gold car is number one.

I mean, it's brave.

But I do.

And I didn't really like the car as they launched it.

But I guess because I've specced quite a lot of cars now.

I've owned 60, 70, 80 cars.

I've got a lot of experience

of thinking and visualising what it will look like.

And I think that can make a very big difference.

I also think seeing something in person

is often very different to pictures.

100%. I think Ferrari's new design

because the black bar at the front is always very raked.

So in pictures, it looks really prominent.

But in person, it's a much sort of slender,

sleeker design.

So I think in person it gives a much better impression.

I'm not.

How do I say this like totally wrong?

But I guess I don't think I've ever looked at a car

and thought that's 100% perfect.

And I think I've always

would look at something and say there's something I would change

if I was the designer, but I'm not.

I'm the customer.

The biggest thing for me with the dodgy challenge

is they could have made the ugliest thing in the world.

And if I can still in 2025

buy a naturally aspirated V12 Ferrari,

I'm all in.

Because in a few years time,

that's not an option anymore.

It doesn't exist.

So thank you for making that car for us.

And it is a great car, by the way.

It's a phenomenal car.

So I would say I'm a bit torn on that.

But once you've driven a Ferrari

with a V12 that screams up to the top

and I love buying a new car.

A lot of the cars here are new.

I love the spec process and I love going to the dealer

and choosing all the options and building it on the configurator.

I wasn't in a position to order an 812 when they were new.

I thought about an 812 GTS

but truthfully,

given how 812 Superfast had plummeted,

I didn't order a GTS because I thought it would do the same.

And it hasn't.

But that was the curve ball of the particular time

and the market going crazy for a few years.

An 812 Superfast in a year,

you'd spend 325 and it would be 225 a year later.

That's what they did.

That's what all Front Engine V12 Ferraris

done throughout the years.

So the fact that this was just over 400 new,

but the fact that it's

not lost a third in a year,

I'm quite happy about.

It sounds ridiculous to say that

but maybe owning it

will be lucky to secure me an allocation

for something special in the future.

But in the meantime,

I get to drive and own

a custom-spec V12 Ferrari.

Tell that to teenage Tim

and that was a dream.

I remember having an F50

that we paid

£475,000

for.

It was yellow and

an F50 was my poster.

We were obviously the same age born the same year

and it was the ultimate car

and I just remember driving it

with the roof off

at 8 o'clock at night

not even very fast

or anything that's on the road

and I just remember thinking

this is the best experience I've ever had in my life.

Driving my favourite car

that is just

roof off by myself

it was just amazing.

One thing I thought recently,

so I took out an F355 manual

for a video quite recently

and it came to me from that drive

and having been lucky to drive quite a few F50s

probably seven or eight of them

on the road proper

decent drives

is that often the 458s are likened to the LaFerrari.

There's a lot of similar characteristics

between them in the way that they drive

and the LaFerrari was kind of a big 458 when it came out.

The F50

and the F355

have a very similar connection.

There's a lot of just the way they feel

the pedal pressure required

to shift the moves.

You can tell they're both 90s.

They're really there together

differently to cars from other eras

and even the way the cars came after.

And so when I got out of the F355

it was the first time I've driven one

oddly. I've been lucky to drive

all of the big five multiple times

but the first F355 I drove

was only a week ago.

I got out of it and I was like

that felt like a baby F50

so maybe there is a way into that driving experience

and the power though, massively to you.

But I quite like that you can go flat up

to the red line and you're not doing anything silly.

I mean, I'm talking from the perspective

of somebody who's lucky to own the silly stuff

because you go out with a different mindset

if you want to go and bomb down

a country lane versus if you want to turn up

at a drag strip.

I'm talking in the way of

the era of when that car was

new compared to its competitors.

It's a slow car.

You put it next to a

993 turbo.

Yeah.

You can't even compare it.

It sounds nice.

I'd rather have a 993

turbo.

That's a really, that's a great car.

Not for me.

That's one of the only

Porsche that I

really have a connection with.

I love that car.

Anything behind that

or after that

doesn't do it for me.

Is there any brand

that you

dislike you just, you wouldn't have one?

Well, the brand that I should have

more of is definitely Porsche.

I would have thought Lamborghini.

I've had an STO. The problem I have

with Lamborghini is

I love the cars when I drive them

but they're not so much me

because I'm not that

really out there

like I sense weird set with all

this around. I was going to say

the normal cars you have.

The normal kind of

Lamborghini things.

Not exactly incognito, mate, are you?

I'm more of a first

focus is driving dynamics.

I loved McLaren and I wish McLaren

had been, and maybe they will in the

future, more what I hoped

they would be. My first

proper supercar was a 12C

and I followed it with a 650S and then

a 675 LT coupe and then a 675 LT

Those were my first four proper supercars.

I really loved what McLaren was

and I feel that

talking Ferraris, I love what they've

done in the recent years and I tend to go through waves

depending on the cars and I'm sure

there will be a Lambo period but

right now

I wasn't completely blown away

ever by a Vantadors. It was just not

my thing. I found them too

big and clunky and

I just never really

loved it for a one-time drive but

occasionally I borrowed friends' cars and did

rallies with them or whatever so I've done

a week of every day in an Aventador

and I'm good. I'm fine with that.

You're Aventador out.

I'm not

like I say, I'm not anti-Lambo.

I just feel like it hasn't landed

that there's the right car that I

really want. The one I would

love is a Murcielago SV

but that's another one that the

ship has sailed. There were

times when I was offered one at 300

K and I was like, should I buy it?

And hindsight is a wonderful thing. I should have bought it

but we are where we are.

I would also quite like a Gallardo.

I'd love to get in into a Gallardo

maybe like a first-gen

Performante. The one that everybody doesn't

realise it's called the Performante.

How they change with the Huracan. Superleggera convertible.

Exactly. Undervalued. Something like that would be cool.

Yeah, 100.

120. That's one I sold 120.

I think that's a pretty cool collectible.

The car really rare.

They didn't make a lot of them. Looks cool.

It's one of those cars if you know what it is.

It's Performante.

But whenever I share a picture on a video

if I ever talk, if I see one in a video at an event

and I walk past it and say Performante

guaranteed someone in the comments will say that's not a Performante.

They only know that as Huracan.

But anyway, I kind of like that.

So I could see

like I say, when the Euro millions

I'd buy an SV in a Performante for sure.

So it's not that I'm anti-Lambo

nothing from the current lineup makes me go

I want that or that works for me

or correction.

Nothing that goes that I go that works

in my collection. Temerario wonderful car

but so suited to your person

who has one extreme supercar

because it's practical usable.

It's going to be quite reliable

relatively speaking. Like it ticks a lot of boxes

but it doesn't have the thrill factor

and nor does it have the like

collectibility factor of the Ferraris.

So it's kind of lost a bit for me.

And a very specific

personal problem

is that

I always find Lamborghini

seats really uncomfortable

like when I was a bit younger

I broke three vertebrae in my lower back

so I do get kind of

comfortable in certain cars

and the car seat that I love the most

is a Ricciaro pole position

which guess what is in the black series

so it works very well for me

it fits the curve of my back

the shape of my back and

you know that's a personal thing

the next guy doesn't have the same problem

but the Lambo seats have a higher ridge

and they leave your lower back quite unprotected

Yeah, you got to sit your ass right back

with a cushion I can kind of

work it out with a seat pillow and what not

but with a standard seat it's really horrible for me

like after half an hour I'm already sore

so that does change

what I can do.

Ravuelto and Tamarario seats are better

I think Ravuelto is a cool car

but it came out at the time

I was already feeling burnt on SF90s

and I was like these are going to do the same

the 600 grand if you speck it up nicely

what are they now?

I've got one that was 580

it's not a year old

and it's 510

they've got more room to come down

for sure

I think delivery is quite

short on them cars for new cars

I don't think there's an influx in

a minute there's going to be 38 cars

for sale on AutoTrader

they're not supplying too many through

this is what Lamborghini tell me

they are pushing the Tamarario

is going to be a high volume car

so I was going to say

after the Ravuelto conversation

what about a Tamarario? I drove it on track

at Estaril in Portugal and it is phenomenal

brilliant car

insanely fast

like to give you some perspective of speed

I was lapping the Tamarario

fast around Estaril and I could lap my Senna

around Estaril

not by a lot but faster

down the start straight Senna was doing

285 ish

Tamarario to

from 285 km

into the three teams

so over 310

it's nuts fast

driving

computers are so clever

they borrowed some preformer McLaren text

so they have some cool ideas behind

how they're doing it

driving dynamics if you want to drive fast lap

it's clued up for a fast lap

very clever car

but what are they spec to?

350

what's that going to be in a year?

350 is not

that's not with the livery extra

you can get for 27 grand

350 is going to be 250 in a year

I feel a bit like

with Ferrari

that happens

but being in the Ferrari club

has a lot of upsides I absolutely love

the potential for limited cars

but also the community and being a collector

it's very hard to focus on collecting multiple brands

because it takes a lot of time

to go to these events

and so if I was going to do the Lamborghini thing

I'd want to fully do the Lamborghini thing

Tamarario or Vuelta or SSC

go crazy with everything

that's a lot of the D word

there's a lot of it

and I don't know

if the upside rare cars are the same

because if you look at STOs

they made

I don't

I'm going to guess quite a lot more than you'd think

I think most people would guess it's probably 1500

something like that

3544

really?

there's not a rare car at all

that's really not a rare car

so all of a sudden you turn around

you go

I mean

they cost 320ish new and there was a point

they hit 220 and they've come up a bit now

I think you get 260ish maybe

again now but

what's the next car

is the like

Revuelta or SV

or the Tamarario or STO

it's an unknown playing field

so it's a lot of commitment to collect Lambos

I think Porsche would have been the obvious go to

it's so weird

and I've never actually really done a video about this

but I bought my Taycan Turbo S

and I bought my 718 GT4

I bought both cars off the deal a lot

so they got good money for both of them

and I thought at the time

that was going to be like

I'm going to start a relationship with Porsche

I own a bunch of Porsches but

it just got to the point where they would never call back

they would never have any information about anything

you just get left feeling as a client

I mean you know this because you're dealing with customers

if you leave the customer and they have a feeling

that they're not a valued customer

you just go somewhere else

and a lot of people

I would say 9 out of 10 people

won't be vocal

about their feelings

but their actions will speak louder than words

they'll do what Tim done and just walk away

instead of saying

look guys

I'm being like a mushroom here

is there any chance you can like come back to me

I want to be a client

which is kind of probably what I would say

but a lot of people think you know what

they don't want to get back to me

they don't want me to be a customer

I'll go to Ferrari or whoever else

and I'll become their customer

I have a great relationship

with my contacts at Ferrari

my sales team

at the main dealer that I use

can you say what dealer you buy

HRO

and HRO and Hatfield

do all the servicing for the whole group

but the sales teams at both know everyone

I think they're all brilliant

the service team that I use at Hatfield are amazing

I exchanged a message earlier to book in the SF90

for its fourth year service this morning

come back to me straight away everything

there's that convenience

when you're living a busy lifestyle

but also that relationship that you have

means that you're in constant contact

so you know when something exciting might drop

or there's a new model

you're talking about it already because you're enthusiastic

and you're having a nice conversation

it makes it very easy

and you know they

understand me to the extent

that there might be a new model

and they'll put together a little configuration

and say what do you think

I'm chit-chat about cars

I'm in a position where I'm spoiled to know a lot

about what's coming in the future with different cars

and there are things even that I can't share with the dealers

sometimes has to be a little bit secretive

but off the back of that it means

that you're talking as friends

and car guys

it's a very fun relationship that I have

with them and that's part of buying so many Ferraris

what are the sales guys

at HRO

in Hatfield

lives in my village

where I live which is

that's not very local

it commutes every day

how far is that

in the morning

it definitely would be two hours

I wouldn't want to do it

at five o'clock on a Friday

and why I know this is

I recently sold a LaFerrari

and

it had a warranty and there was some warranty work that was being done

and the guy wanted to send it to

HRO in

so I said the guy I sold it to also lives in my village as well

and I said why do you want to send it to

HRO when we've got Greypool

which is literally five miles around the corner

he's like oh because my contact there

is a friend

so I was like how do you know the guy from

why are you so close with the guy from Hatfield

he's like he's not from Hatfield

he lives in Solly Hole

he lives five miles away

it's a relationship game

at the end of the day none of these things

it's not one of these necessities

not one of them

they are pure because your heart says

or your impulse feeling is that you want to buy it

so it comes down to your relationship and your emotion

it's the whole point

nobody needs a 1000 horsepower or more car

nobody needs to spend this much money on a car

so I think that relationship

that you have with the person

who is ultimately your connection to the brand

is absolutely critical

it's why I've gone through waves with the different brands

I had a phase when I bought quite a few Mercs

because my contact

the AMG rep at my dealer

became a really good friend

and that's your link

that's what keeps you connected

I think it's known

but I still think even today it's not appreciated enough

and yes it's difficult because a different type of customer

also wants a different type of sales contact

oh yeah I'm not everybody's cup of tea

really?

believe it or not

I come across quite aggressive

because a lot of people who I deal with

they like to be dealt with

but isn't it interesting

I understand that I can't deal with everybody

so I have a sales manager

who can sit and have a three hour

coffee conversation with you

and if you don't buy is perfectly fine with you

not buying a car and wasting three hours of your time

like you know

where I am

I'm a hybrid

my dad is a different level

my dad is like

so after 15 minutes he's like so are you buying this car

you know

to the point

because I've got things to do

you know exactly what I mean

some people will want to quick whatsapp chat

some people will want to sit down and have a coffee

you've got to cater for everybody

so I think from a dealer side

you do have to offer that

you do have to have a person who suits each client

because your young

tech guy who's made a load of money in his young twenties

is a very different buyer to your retiree

buying his first supercar

completely different treatment

and then you get a guy who buys a supercar a month

and he wants to send me a whatsapp

Carl what's the best deal on the center

750

I'll give you 725 I'll pay you tomorrow

that's the conversation

and then you get other people who

they want to come out they want to see the car

they want to come back out with their son-in-law

because he's into cars and you know

there's book and appointment for another four days

then he comes out he wants to drive the car

then he wants to sit and have a coffee

but Robert

my sales manager does and he's very good at it

and he's got great patience and you know

but you need to cater for everybody

pound for pound best car you've ever owned

pound for pound not the most expensive

pound for pound best car

675 LT

good call you've tempted me on that

phenomenal car for the money even better

when it's today's price not what I paid

and you've got one for two

200 slightly over it might be

two to you

slightly over but I'll do you

see where that's going

even if it's 220 it's a good buy

no the thing there you go

should

get the 675 LT

or the SF90

what's the better buy

that's a really interesting question

they're quite different experiences

the LT I would say is more compromised

it's more awkward to get in and out of

it has a pretty horrible turning circle

it's very very low

it's out a lot unless you're running with the lift up

so it's the less

in one way usable car but then it does have a

decent frunk

but what I will say it's always good to buy a car

when it's on the up rather than a car that's

on the down and an SF90 at the minute

you know it's still kind of on the down

no one really knows

where they are where I think the 675 has

reached its lowest point which was high ones

it's been in that 180 to

200 bracket for a long time

they're starting now to go low

twos so they do I need to make more videos

and big them up yes please

make your net worth 20 million

just in that just in an LT

LT is a 10 minute car

it's a really good question I mean

to haven't to

haven't to drive

the SF90 is a better car

I mean it's an amazing car

to live with and use on a more regular

basis the SF90 probably to own and

collect and take out occasionally

I agree with that

so 100 grand

where could you put it in a car

that's got the best chance that one day

that's a million pounds like in maybe the

next 10 or 15 years

100 grand can you finance

yeah we put 100 grand down

100 grand

you took some big numbers here

but maybe you know 100 grand maybe more

viewers could get in on a car

on that kind of number

I mean to say a million you know

it's quite a tough

it's quite a tough thing to do

but I think there's cars out there that

are at the most

Tim it's going to go up the most

that's under 100k

100

I think

I'm trying to think what Ferrari is

best suited because I really do think

Ferrari is so strong

can you get 355 for 100

you get 355 for 100

I think too many of them

11,000 cars

but you only want a manual

and you can't get a manual for less than 100

there's too many anyway

I don't think it can be a huge

I'm more in the like

are we at a generation where a 599

80k is looking like a goodbye

expensive to run

but once again there's a mass produced car

yes it will go up

it will go from

I'm not selling them for less than 100

so there are over 100 now

let's say 100

they might go to 200

but I don't think they're going any further

we can't get into an SLS I think

they're going SLS

they're 200 minimum

minimum

I used to buy them for 75 grand

I saw one recently for 260

but it's done 900 miles

do you think that

maybe not a million pound car

but certainly half a million pound car

I think one of the difficulties with this question

is that

over the last five years

a lot of the cars that you could have put in this category

have already done it

you know your E46 M3's, your Clio V6

these things that were super cheap

have come up significantly

and that makes it quite difficult

because

at the more attainable

price range more people were gambling that they would

and what's happened with many of those cars

like E46 M3's

cool cars when we were young

have gone up and they've come down again

they're kind of bucking the trend right now

with a lot of cars from the 90s and early 2000s

because a few years ago

money was available

the world wasn't quite as messed up as it is now

and people were able to take a chance and they did

but now they need out of them

I mean you look at things like a Lancia Delta Evo 2

you know that's a car

that is not very expensive

you'd buy one for a mere touch over 100

that could be something that in the next three or four years

it hits a peak where

there's a massive want for them

and they could double treble even

okay I'll let you go up

to maybe near a 200

if you can get anything that you could think

could be the next million pound car

SLS

SLS Goldwing is

I don't know but I'm trying to think

could a really clean 458

a nice spec 458 regular car

there's too many

there's always a better one

I get offered one with a 5,000 miles

I think wow that's amazing and then I know

somebody who's got one with 2,000 miles

and then I know someone who's got one with 1,000 miles

and then you know there's always a better one

okay

tough question Rob

675

675 is a great car

I think that is heavily linked to the future

of McLaren as a company

if McLaren succeed as a company going forward

there will be more people who want to collect them long term

and that will massively pull up the values

and I think one of the reasons for

Centres and LT's and whatever

losing money in today's market

or until today is that

there isn't a desire to collect McLaren's

there are a couple of McLaren collectors

but it's a small number of people compared to Porsche

or Ferrari or whatever

and then they have one car which is the most collectible car in the world

yeah

so they've gone from one model

which is the most collectible car in the world

and I think one day will probably

be the most expensive car in the world

the F1

to every other model that they make

not being collectible at all

I find even P1's an interesting topic

P1's are phenomenal cars

one of the best looking cars of the last 15 years

absolutely amazing

but by the time you factor in

they were 866,000 pounds new

in 2013

factor that to today and a car on today's market is 1.2, 1.3

something like this

1.5 really

but that's pretty similar money to what they cost

in today's world

go stick that money in the bank and you'd have

one and a half today

so they haven't gone up

so you think they're underpriced

I think they are

low units 349

I think again it's linked to

where McLaren go

I think at the moment the problem is

people who generally own a McLaren

or two McLaren's it's one or two

there are lots of people who own

10 Ferraris or 10 Porsches

what's the most you've ever made on a car

interesting question

the cars that have appreciated the most

I've not sold

SLS Black Series, SF90XX

458 Speciale now

the 4GT certainly at a time

so which one has made you the most

even if you haven't sold it

probably in today's money

the SF90XX I would think

from list

I'd say the Black Series

they're probably both in the

300-400

profit

I think the most I've ever sold a car

for at a profit is in five figures

probably my first 675LT

because there was big demand for those

and I only sold it because initially

McLaren had said there would never be a spider

they changed that, of course there was small company

so when the spider came out I ordered

that as well so I sold my coupe after nine months

and what's the most you've lost on a car

Senna, well unrealised

maybe SF90 but realised

Senna

best part of 200,000

was it worth it?

I think I never look back at a decision

and let's say regret it because

you made the decision based on what you knew at the time

and I got to own a Senna for five years

you know and I didn't just own it

I drove it, I had a couple of days at Spa

I did a load of Nurburgring laps

I did a sub-7 VTG at the Nurburgring in my Senna

like this is ridiculous

so I don't regret it

but I certainly would have

come out of it with a happier memory

if I had lost less on it

and maybe if I hadn't appreciated so heavily

I would have kept it

I begrudged that and I lost a lot

because I had a little bump with it

I was about to touch on that

15 miles an hour on the M25

a truck drove into the side of me

which was very inconvenient

when you say a little bump

only cosmetic, so 15 miles an hour

nothing to the suspension or anything like that

but isn't that expensive on a McLaren?

oh yeah, six-figure repair bill on the insurance

a couple hundred thousand

it took 21 months of legal proceedings to get it back

I remember when you posted the video

literally you're done on your phone

didn't you on the side of the road

the problem was or the unfortunate thing was

you never want to show

negative stuff around cars

I try and keep things positive

in the earlier days I certainly uploaded videos of some crashes and things

but I've always in more recent times

tried to be very positive

but the challenge in this particular case was

Silver has crashed, it's back to its price in 1974

and I'm going to buy more

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it was on the day of the Goodwood Festival of Speed

on the M25 in a traffic jam

so every second car going past

was somebody I knew or somebody taking a photo

so there was no hiding

no choice

so once you've committed that you can't hide that it happened

the most important thing

is to explain it yourself

and say the truth of what happened

so explain the situation

upload it, end of story

rather than people making up

oh you were driving and weaving through traffic

and this that and the other

it's like no it's a traffic jam, accidents happen

it will get fixed, we'll move on

I think the biggest thing that scared me with the center

which a lot of people haven't necessarily clocked on to

is they're quite expensive to run

they're not like SLR, Carrera GT expensive

but they're not cheap like 675

the 675 gets a service a year

for like £800 to £1000

insurance tax off you go

the center every five years

the dampers need reworking

the accumulators need replacing

that's a five figure sum

the service is a lot more, warranty is very expensive

if you want to renew it

on the car of that level you kind of do

so the center

it scared me a bit from the point of view of

if I keep it I'm going to spend a lot of money

and I'm not really going to do much with it

but if you drive it it's a 600 quid oil change

yeah they're cheap aren't they

it's a very easy car to just sit there

and I don't feel bad if I don't do anything with it

I feel bad if a car

isn't being used a lot and costs a lot

you're not getting the value for it

yeah of course

you know speciale

I don't mind if I don't really do much with the speciale

because again it's £1000 a year for a Ferrari service

off you go doesn't really need a warranty

because it's a 458

they do a great job

one month legal

yeah it took 21 months to go after

so obviously we had to hire lawyers

well to claim the insurance

yeah

because obviously it was a truck

it's a guy doing his job

it was unfortunate that it happened

but you had that whole situation of

them saying it wasn't their fault

oh we've lost the video footage from the camera

from the truck even though it was a brand new truck with cameras

we have no statement from the driver blah blah blah

so it just went on and on and on

and it's actually

it was a really frustrating time because a few days

after Goodwood

I flew the 4GT out to the US

to go and do a trip in America with it

literally a few days later

so this incident happened

on the first day of the Goodwood Festival of Speed

which for somebody like me is full on

that is running around like a headless chicken

filming videos talking to people

and then straight after Goodwood

US time zones

so I was like waking up two hours before I needed to be awake every day

calls with the lawyers every day

I was thinking at the time if I was like

billing my hours for how long I'm spending

dealing with this that's going to be an enormous

bill alone

is that the most expensive crash you've ever had

it's the only

so you've never crashed

no that's the only time

I mean I'm not counting a wheel curb

or a very tiny bumper of scuff or something

that's the only like

significant bit of damage yeah

that's good garlic

considering the miles you do and the cars that you

you know I should normally try and touch

them would when I say this somehow considering

the cars I drive the miles I do and whatnot

I've never had any points on my license

me that continue

this week

never in 21 years

of driving I'm clean for accidents

or that's incredible yeah that is

that's surprising

and really good

it helps with talking with my insurers

yeah

so now the question is

pound for pound like value

like wow this car should be so much

more expensive what's the best

supercar you've ever driven

can I say my might like

probably the biggest smile and laughs I've had

in a cheap car yeah my clio

1.2 that's got a 2 liter in it

because you just accelerate

in that thing and obviously it weighs nothing it's

probably a thousand kilos but it has 200 horsepower

and every shift it's like power

on the back and it's worth probably less than

a thousand pounds so that wins a pound

for pound in terms of supercars

I think it's a

struggle with any of the new cars I think newer

cars are hard

to get out of now and say yeah that was

the best thing ever they're so powerful

they've all they've all headed towards

the same too much power too much aero

too too crazy

I'm yet to drive any of the gma cars

I don't think you class them as supercars their price

point is up towards hypercar but I would imagine

that they're really

at the height of driving experience

in the supercar

About this episode

A wide-ranging chat on hypercar/supercar definitions, brand relationships, and the real costs of owning “silly money” cars. They debate why Ferrari design choices age well, how spec and seeing cars in person change opinions, and why McLarens can be less collectible than Ferrari/Porsche. Ownership stories include a scary 1,500hp Zyrus Huracan drive, an M25 truck crash that triggered a long legal fight, and the emotional highs of cars like the F50, F355, and McLaren F1 GTR. They also touch on finance/“loopholes,” dealer-client dynamics, and tax on gifted items.

Aston Martin Valhalla Aston Martin Vanquish BMW 3 Series BMW M3 Chevrolet Corvette Dodge Challenger Ferrari 812 Superfast Ferrari F355 Ferrari F50 Ferrari LaFerrari Ferrari Testarossa GMC Safari Lamborghini Aventador Lamborghini Gallardo Lamborghini Huracan Lamborghini Murcielago Lancia Delta McLaren 650S McLaren 675LT McLaren F1 Mercedes-Benz Clk Gtr Mercedes-Benz G-Class Nissan GT-R Pagani Huayra Porsche 911 Porsche 914 Porsche Carrera GT Porsche Taycan Renault Clio V6

Original notes

Special guest Schmee150 drops the filter to rank the Big Four manufacturers, sparking a heated debate over why Porsche consistently lands at the bottom despite its technical perfection. He also reveals the staggering financial reality of supercar ownership, detailing a single mishap on the M25 that led to a six-figure repair bill and a 21-month legal nightmare. From Pagani test drives with Horacio himself to the brutal truth about investment cars that actually lose hundreds of thousands in value, this is an uncompromising look at the beauty, the ego, and the crushing costs behind the world’s most exclusive machines Sponsors: ➤ Tom Hartley Cars - http://www.tomhartleycars.com/ ➤ Money.School - To Make, Manage & Multiple More Money & Scale Your Income. Join us at www.money.school.com BEST MOMENTS "We’re looking at what we know and we’re particularly as buyers at the minute nostalgic. We look at things, we’re scared of the future, we don’t want electric, we don’t want change” "Meeting my hero and being very generously insured - it was everything I hoped it was going to be." "I’m not everybody’s cup of tea. I come across quite aggressive because a lot of people who I deal with, that’s the way they like to be dealt with” For More Cars & Money Content: ➤ Shorts: https://www.youtube.com/channel/UCYS-7tYpRkJmrVIUq8-WV_A ➤ Facebook: https://www.facebook.com/people/Cars-Money/61579331221620/ ➤ Tiktok: https://www.tiktok.com/@carsandmoneyofficial ➤ Instagram: https://www.instagram.com/carsandmoneyofficial/ Connect with Carl & Rob: ➤ Rob’s Facebook: https://www.facebook.com/robmooreprogressive/?locale=en_GB ➤ Rob’s Instagram: https://www.instagram.com/robmooreprogressive/ ➤Carls’s Instagram: https://www.instagram.com/carlhartley1/