Episodes / Can Ray Afford It? #2

The Cheapest Lamborghini Costs 17 Years of My Rent

Oct 31, 2026 · 4:36 · Watch on YouTube On YouTube soon

Premieres in

Sat 31 Oct 2026, 17:00 UTC

Can a guy who makes $24 an hour afford a Lamborghini? The cheapest new one is the SUV, and it costs about 17 years of my rent before options. We do the broke math: the monthly payment, gas, the gas-guzzler tax it doesn't pay (legally, it's a truck), insurance, tires, the bill that never arrives in the mail, and the cheapest way in: a used one.

17 rent-years

Chapters

The Receipt

The Urus, before options: ~$260,000
Texas sales tax (once): ~$16,000
Value it loses in 5 years: ~$95,000
Insurance, 5 years: ~$21,500–$33,200
Gas, 5 years: ~$12,300–$19,900
Tires, 1–2 sets: ~$3,500–$8,100
Scheduled service: $0 (free for 5 years)
Owning it, 5 years: ~$150,000–$170,000
= Ray's work hours: 6,200–7,200
Rent-years: 10–11.5
Verdict: No. Truck: also no.

Total: The biggest bill never arrives in the mail.

Sources

Numbers in the episode are estimates built from these. If you spot a mistake, tell Ray: hello@brokeray.com.

How we counted: a rent-year is $15,000 (my rent, $1,250 a month). Price: $252,007–$280,736 depending on the source; the 5-year math uses $258,636. Payment: no money down, 72 months, 7.17% (average bank rate). Gas: gas only, 15,000 miles a year, premium at $5.31 a gallon. Insurance: quotes for a 40-year-old with a clean record. Five years of owning one: Texas sales tax + expected loss of value + insurance + fuel + tires, even after you sell it; scheduled maintenance is included for 5 years. Work hours are at $24 an hour, before taxes. Used Gallardo: Hagerty's value for a 2004 car in good condition (Oct 2026). Flagship: Revuelto MSRP $608,358, about 40 rent-years; its ~$4,500 gas-guzzler tax is our reading of EPA's 15.0 mpg rating against the IRS table.

Not financial advice. Narration: synthetic voice (ElevenLabs). Script and animation made by hand.