Tag Archives: Clotaire Rapaille

Break the Bondage of Car Payment Slavery


Do you own your car or does it own you?

You’ll always have a car payment! This is the mentality many of us once had, and many still have thanks to living in a car culture as well as constant car and truck advertising and propaganda from the media. What one drives has also become an unconscious symbol of male sexuality, as shown by Edward Bernays who pioneered selling cars this way using the theories of his uncle Sigmund Freud. The modern day ad agency seducer Clotaire Rapaille, author of The Culture Code, who uses Freud’s theories to this day knows the warped, materialist mentality of today’s consumer and automobile culture well:

At the unconscious level, Americans believe that good people succeed, that success is bestowed upon you by God. Your success demonstrates that God loves you.

God loves you and the women will spread their legs because you drive a nice car. Hmmm. Okay. The reality is a car payment is the most insidious destroyer of wealth there is. The car most often owns you rather than you owning it. Comically, a full 4 out of 5 luxury cars are either financed or “fleeced” (a Dave Ramsey-ism for leased). Financers and leasers will go through the most impressive mental acrobatics to justify their purchase…however if someone is wealthy why wouldn’t that person write a check for the luxury car? Many people want to project an image of wealth, when in fact they are chained to their corporate job and become car payment slaves. Not only does a new car become a burden to most people, it is draining their pocketbooks in a way that will keep them from realizing any modicum of financial freedom. Here is an explanation of the high price of a new car, beyond the window sticker.


Most luxury cars are financed or leased

Indentured Servitude

The down payment has been made. What a nice guy your salesman is! He’s having your car cleaned up and its gas tank filled as he fills your mind with emotional pleasantries. You have literally just flushed a few thousand dollars down the toilet, for the minute you drive your brand new car off the lot it will lose that much value. The repercussions of signing on the dotted line have long and lasting negative effects, and will affect your life long after the new car smell has turned into a used car stench. The dealer takes car buyers on quite a ride. Some interesting statistics about car loans:

  • Average term is 6 1/2 years
  • 62 percent of loans have terms over 60 months
  • 20 percent of loans have terms of 72 to 84 months! (6 to 7 years!)
  • The average payment is $479 a month
  • Subprime buyers have an average interest rate of 19%

For a simulation of the financial loss the new cookie-cutter box on wheels represents, roll down the window and let a hundred dollar bill slip out each week for the first year. That’s just the money lost on depreciation.

One in five loans are held by subprime borrowers with an average interest rate of 19%. For those buyers, the financial cost is even higher. As much as half of the average $479 monthly payment will go to line a banker’s pocket, the money these buyers often have to work very hard for eaten up in interest. Usury is appropriately named, for it uses the hell out of people.

Car payments are a huge drain on a man’s most important wealth-building tool – his income

Loses 70% of Value in First 4 Years

The average new car price is now a jaw-dropping $33,500. Even scarier, that new car will lose 70% of its value, for a $23,500 total loss in just 4 years time. That is the equivalent of wiping your behind on a couple of $20 bills every week that you own the car.

This assumes the car is well-maintained, the owner invests in all the scheduled maintenance, cleans and waxes the new ride often, and avoids accidents. As an aside, I purchased a brand new Nissan Altima only to have it slammed into three times, none of which were my fault. That new car quickly lost its luster since insurance companies haggle to get the very cheapest auto repairs they can. After a month in the body shop and my refusal to accept the car three times because the work was not done properly, the car still ended up with value-reducing gaps in the sheet metal and doors that had a gap in them when they closed. Any dealer or experienced buyer would be able to see the car had been hit. A car with an accident history is harder to sell, and sells for a lower price.

This is not including the money lost through interest, and the opportunity cost of tying money up in a depreciating asset rather than investing it.


Compound interest is the most powerful force in the universe, according to Einstein

Ties Up Income That Can Be Invested

Imagine if the average $479 car payment was invested, and the buyer instead bought a $2,000 or $3,000 beater car (with cash!) to drive around while the money is being invested. That low, low monthly payment is actually costing the buyer a big, big fortune. This is how it grows in a mutual fund with an average 12% return, such as the excellent FBIOX fund.

  • In one year, the buyer would have nearly $7,000 with the mutual fund
  • In one year, the buyer would have $5,748 if stashed in a checking account
  • In 3 years, the buyer would instead have $22,400 cash with a mutual fund
  • In 3 years, the buyer would have  $17,244 if stashed in a checking account
  • In 5 years, the buyer would instead have $41,700 with a mutual fund
  • In 5 years, the buyer would have $28,700 if stashed in a checking account
  • After 7 years, the buyer would instead have $66,000 with a mutual fund or $40,000 with a checking account

It’s easy to see how after only a few years it will be easy to upgrade that beater with cash. A cash buyer can also negotiate a better deal on a used car than someone who is asking the master for financing (the borrower is slave to the lender, as stated in Proverbs). An excellent $10,000 used car is well within reach after only a short period of time. However, the object is not just buying a car – it is achieving financial freedom, escaping the lashes of debt servitude and greedy employers.


Leave debt servitude in your rearview mirror

Drive Used and Drive It Until it Dies

Once acquiring first the beater car, then the upgrade car with cash, it is important to maintain it well, drive it as infrequently as possible, and continue saving the money that would have instead gone towards some shiny sheet metal. Not only does this increase the life of the car, it cuts down on gasoline and maintenance costs. Depending on your risk tolerance, liability insurance may be an option that will drastically cut insurance rates, allowing more money to be invested.

The goal is to make the gap between the money that comes in monthly and the money that goes out as large as possible. Another goal is a change in mentality. A man who subscribes to minimalism and doesn’t seek the fleeting approval of women, friends and family by buying cars he can’t afford with money he doesn’t have empowers himself. Financial guru and Realtalker Larry Winget tells it like it is:

People hate the truth. Luckily, the truth doesn’t care. The constant need to make everyone else happy at the cost of your own happiness will destroy you. Get in control. Live your life the way you want to live it. Don’t have the money to do that? Remind yourself that your condition is your own damn fault and then commit and constantly recommit yourself to having the money to live any way you want to live.

Next time you think about signing up for a $479 car payment, ask yourself if you wouldn’t rather have that money to spend on something else. Is that car really so awesome you are willing to part with that much money, figuratively wiping your ass on $23,500 if you are the average car buyer? Or is sacrificing for a few short years while empowering and freeing yourself financially a better road? Only you can make the choice and make the sacrifices required to free yourself from bondage. Nobody is going to come and do it for you.

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The Hedonic Treadmill Explains Why You Can’t Buy a Woman’s Love


Money can’t buy love

If the timeless maxim Alpha Fux, Beta Bux has not shunned you from turning yourself into a walking ATM machine for women, the concept of The Hedonic Treadmill will explain another reason it is impossible to satisfy women with material things and why you are ultimately digging a trap for yourself by trying. Never try to buy love. There is a scientific, psychological reason it will not work, beyond the fact you cannot negotiate desire. It is called The Hedonic Treadmill. The textbook definition says:

The Hedonic Treadmill is the observed tendency of people to quickly return to a relatively stable level of happiness despite major positive or negative events or life changes.

What the concept amounts to is no matter what expense a man goes through to make a woman happy, she will quickly get used to her new jewelry, house, or standard of living and expect even more from him. It is a four-step process which works like this:

  1. Becky’s husband works at a job he doesn’t really enjoy an increasing number of hours and with increasing demands on his psychological and physical health to afford her a material life that is comparable to that of her friends. Never mind she doesn’t really need all that stuff, competitive consumption is what women thrive on.
  2. After he buys her what she wants, or as in many cases a single income is not enough to feed this monster and she goes to work herself to be able to buy even more junk, she is temporarily happy showing off her new clothing, accessories, and other baubles to her friends.
  3. The excitement of the new purchases quickly wears off. Becky returns to her previous level of happiness despite the huge sums of money spent and debt accrued.
  4. Becky begins to dream about even more stuff, and bigger purchases. She needs a fancier car, a bigger house, and an exotic vacation at a 4-star resort. Which returns this cyclical process back to step 1, and the cycle repeats until either her husband falls off the treadmill (job loss, heart attack etc.) or she finds a more appealing meal ticket to power her life of vanity.

This infographic explains the concept in further detail.


The best advice: Stay off the treadmill!

Taken for a Ride

Hopping on The Hedonic Treadmill is a great way to waste the best years of your life, and much of your income and investment potential on someone who will never be grateful for the sacrifices you have made. She will expect more, and more, and more. The materialistic and consumeristic culture that has arisen as a way of feeding this monster is a blight on society and a waste of human potential. As Becoming Minimalist puts it:

No one is going to stand up at [Becky’s] funeral and say, “She had a really expensive couch and great shoes.”

Indeed, don’t make life about stuff. Not basing one’s life on the acquisition of shiny things is a difficult concept for women. However, once basic needs are met in Maslow’s hierarchy, more money does not equal more happiness in women (or men). In scientific studies of happiness, the difference in happiness between someone who makes $5,000 and $50,000 a year is huge; however the difference in happiness between a $50,000 and $5 million salary is not all that great. The idea of “mo’ money, mo’ problems” applies.


Today’s advertising appeals to base emotions instead of intellect

People Have No Idea Why They’re Doing What They’re Doing

Today’s advertising and marketing is designed to trigger emotional responses using Freudian psychology, which women are especially susceptible to. In addition to emotional manipulation, it is nearly impossible to get women to restrain their gathering instincts. After all, we are a species of hunter-gatherers and gathering is what women do. Marketers know this, and they abuse this evolutionary adaptation of women at every opportunity.

Consumerism in America is based on the successful manipulation of this quirk of female psychology, and indeed women make up a whopping 80% of purchasing decisions in this economy. However, The Hedonic Treadmill shows us the things women buy, or that men foolishly buy for them will never make them happy. Investopedia explains:

The hedonic treadmill theory explains the oft-held observation that rich people are no happier than poor people, and that those with severe money problems are sometimes quite happy. The theory supports the argument that money does not buy happiness and that the pursuit of money as a way to reach this goal is futile. Good and bad fortunes may temporarily affect how happy a person is, but most people will end up back at their normal level of happiness.

One of the most successful marketers in the 21st century, Clotaire Rapaille, who was a psychologist before realizing he could make much more money manipulating people psychologically for advertisers than helping people, explains how disconnected from reality people are when it comes to buying things:

My experience is that most of the time, people have no idea why they’re doing what they’re doing. They have no idea, so they’re going to try to make up something that makes sense. Why do you need a Hummer to go shopping? “Well, you see, because in case there is a snowstorm.” No. Why do you buy four wheel drive? “Well, you know, in case I need to go off-road.” Well, you live in Manhattan; why do you need four wheel drive in Manhattan? “Well, you know, sometimes I go out, and I go—” You don’t need to be a rocket scientist to understand that this is disconnected. This is nothing to do with what the real reason is for people to do what they do. So there are many limits in traditional market research.

Rapaille works for 50 of the Fortune 100 companies helping them sell their wares, and his specialty is using Freudian psychology to sell luxury items. He sold the Hummer to women by appealing to their limbic or “reptilian” brain as he calls it.

The campaign for the Hummer—the Hummer is a car with a strong identity. It’s a car in a uniform. I told them, put four stars on the shoulder of the Hummer, you will sell better. If you look at the campaign, brilliant. I have no credit for it, just so you know, but brilliant. They say, “You give us the money, we give you the car, nobody gets hurt.” I love it! It’s like the mafia speaking to you. For women, they say it’s a new way to scare men. Wow. And women love the Hummer. They’re not telling you, “Buy a Hummer because you get better gas mileage.” You don’t. These are cortex things. [The key is to] address the reptilian brain.

So, advertisers are screwing with our minds and the minds of women in ways we don’t even understand. In addition to not buying lasting happiness, a life of consumerism contributes to huge amounts of waste, and keeping the materialism machine running exploits men who turn themselves into Beta providers.


Do not be exploited to feed women’s lust for consumerism

Male Utility Exploited

A mistake men often make is attempting to be the resource provider for women they are romantically or sexually interested in, only to find themselves caught in a trap they cannot get out of. Thus, they have to work harder and harder and sacrifice more and more of themselves only to end up used, broke, and alone when their utility value has been totally exhausted. The Predatory Female, a Red Pill men’s classic book, offers this sage advice:

Any combination of money, romance, and excitement – the scent of these accommodations will have [a woman] rising like a cobra in a wicker basket. The provider of such diversions occupies center stage in her life, but his identity is unimportant to her, and it’s a temporary position. Nobody can amuse her forever. All pied pipers eventually fade into the past.

You will fade from her life once your provisioning capability has been taken past its limit. Attempting to satiate women’s desire for useless crap is the wrong strategy. It is much better to be the man who challenges her and stands up to her rather than the man who gets exploited. Men should consider walking out on, or reducing their participation in a system that is rigged to take advantage of them in this way. Continuing from The Predatory Female:

The matriarchal system could never operate efficiently without the hordes of male drones it has created. These men, preconditioned by their mothers and suffering from a self-imposed order of chivalry, consistently front for the system and its predatory female masters.

If you allow her to become your master, women will readily use sex or even the promise of it without delivering to extract the resources they want from men:

In the advanced stages of sexual hypnosis, the male may subconsciously want to crawl into the vagina and live there. Most normal, healthy men are capable of becoming total slaves to a well orchestrated sexual enticement and the predatory female is acutely aware of this. If necessary, she will stretch that vulva right over his head and smother him to get what she wants.

So, what action can men take to keep from being turned into a walking wallet?


Women naturally gravitate towards a confident man who invests in himself rather than in women

Look Out For Number One

The best advice for men is to adopt a philosophy of continuous self-improvement by investing in themselves instead of women, and to Learn Game in a sexual market that no longer provides any modicum of respect for the Beta provider. Men will be much better off this way; the alternative is working themselves into an early grave only to be discarded once a more affluent meal ticket comes along for the woman he is providing for, or he becomes overextended and can no longer maintain her shopping and eating out lifestyle after a job loss, injury, or disability.

Another alternative is to give up on women completely as many MGTOWs have done. For the man who enjoys sex or female companionship, this may not be an appealing option.

Men do not naturally look out for themselves in the same calculating way that women do. Call it a genetic weakness built into male psychology. After all, reproduction is job one biologically speaking and in the past a man who could provide served a crucial niche in the sexual market. Since an abundance of material things and money are floating around in today’s society and sexual restraints have been lifted from women, this tactic has been rendered virtually useless.

It is time for men to put their own self interests above those of women. Women will naturally gravitate towards a self-confident man who invests in himself rather than a man who lets women shamelessly exploit his finances and self-respect. If men do not put their self interest first, they can find themselves either caught up in the unforgiving machinery of the hedonic adaptation, bankrupt, alone, or all three.

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