The video provides a comprehensive and transparent breakdown of the total cost of a high-value vehicle, including financing and ongoing expenses, which appeals to viewers interested in car affordability and financial planning. The use of on-screen graphics to display calculations makes the information easy to digest and shareable.
Summary
The video breaks down the total cost of a 2025 GMC Sierra AT4, including the base price, various packages, and dealer-installed options, leading to a total dealer asking price of $117,744. It then calculates the monthly payment, total interest paid, and other associated costs like insurance, gas, and maintenance, concluding that an annual income of approximately $230,000 is needed to comfortably afford the vehicle.
Structure
1Introduction of the GMC Sierra AT4 and its base price.
2Detailing optional packages and their costs.
3
Original caption
The cost to own the GMC Sierra 2500 AT4 🧐 • Check out my car affordability calculator, budget tracker, and more at the link in my bio! • #gmc #sierra #at4 #budget #finance
More from @maiehaven
More breakout videos from this creator.
Adding dealer-installed options and the total asking price.
4Calculating financing costs: sales tax, total financed amount, monthly payment, and total interest.
5Estimating monthly expenses: insurance, gas, and maintenance.
6Calculating the total monthly cost of ownership.
7Determining the annual income needed to afford the vehicle at 15% of income.
Product placement
GMC (acts: brand of truck being discussed and shown; removing it would change the video)
GMC Sierra AT4 (acts: specific model of truck being discussed and shown; removing it would change the video)
Hendrick Buick GMC (appears: logo on a sticker; removing it would not change the video)
ReadyLIFT (appears: brand name on a truck part; removing it would not change the video)
Call to action
Check out my car affordability calculator, budget tracker, and more at the link in my bio!
On-screen text
IS THIS GMC SIERRA WORTH THIS??
Car Input
Car Price (Before Tax)
Sales Tax Rate (%)
Monthly Insurance
Monthly Gas
Monthly Maintenance
Annual Income
Calculations
Sales Tax Amount
Total Amount Financed
APR (%)
Loan Term (Months)
Monthly Car Payment
Total Interest Paid
Annual Income Needed to be at 15% of Income Used
Total Monthly Car Cost
Transcript
This is how much you would need to be making in order to comfortably afford this 2025 GMC Sierra AT4. It has a starting price of $71,000. And then as a delivery fee of $2,195. But then it has multiple add-ons. For example, the manufacturer's Duramax 6.6L Turbo-Diesel, $9,990. AT4 Premium Plus, Preferred Package: $4,035. Universal Home Remote, Power Sliding Rear Window, LED Roof Marker Lamps, Power Sunroof, Technology Package: Rear Camera Mirror, Multi-color Head Up Display, AT4 High Clearance Step (dealer installed), Gooseneck/5th Wheel Package: $545.00, Stamped Bed Holes w/caps, 7-pin Trailer Harness: $495.00. Onyx Black. The total vehicle and options is $86,065. Destination charge, $2,195. Total before savings, $88,260. AT4 Premium Plus Package discount, -$500. Total vehicle price, $87,760. But the dealership has their add-ons as well. Signature Plus, Door Edge Guards, Door Cups, Mirror Caps, Complete Hood and Front Bumper Protector, Navigation Screen. $2,395.00. Nitrogen, $199.00. Tinted Glass - 2 windows, $499.00. Wheel Locks, $199.00. Lulalock, $1,495.00. 8" LIFT KIT - 24" Wheel & Tire Upgrade. Delete "Sierra" & "AT4" Emblems. Custom Paint: Tow Hooks, Grille Insert, Staggered Emblems. $24,998.00. Total Dealer Asking Price: $117,744.00. Now, if you want to see if you can afford this vehicle or any vehicle for that matter, be sure to check out my car affordability calculator, budget tracker, and more at the link in my bio. You can find that link in my bio. And they can be bundled together. I did build both of these myself, so any feedback is very helpful and it does help out the channel, so I do greatly appreciate it. But for this GMC Sierra 2500 AT4, if you added an 8% sales tax to that, that adds another $9,419.52 in sales tax, which then brings the total price to $127,163.52. Now, let's say you wanted to finance that total amount was $0 down. You can prove for a 9% interest rate for 72 months, which is a total of six years. Your monthly car payment alone would be $2,292.19. For this GMC Sierra. And over the course of those 72 months of your financing, you would end up paying a total of $37,874.21 in interest. Now, of course, we can't just look at the monthly car payment, we have to look at all the other monthly expenses that go into the cost of owning a vehicle as well. For example, your car insurance, which would be about $210.00 a month. Your monthly gas costs would be about $310.00 a month. And your maintenance would be somewhere around $62.50 a month. If you divide that evenly across all the monthly expenses. Now, keep in mind that these are averages and they're going to fluctuate based on your personal circumstances. Now, if you add all those monthly expenses together, your car payment, your insurance, your gas, and your maintenance, that means you'd be paying about $2,874.69 a month total for this GMC Sierra 2500 AT4. Now, let's say you wanted to keep all those monthly expenses at a comfortable 15% of your average annual income. That means you need to be making about $229,975.26 annually in order to comfortably afford these total monthly expenses at a comfortable 15% of your average annual income. But let me know what you think about this down in the comments below. And if you like this video, be sure to give me a follow. And make sure you check out my car affordability calculator as well as my budget tracker at the link in my bio. Let me know what you want to see next.
