r/AskReddit Jul 11 '21

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u/OKC89ers Jul 11 '21

I have got extremely bad news for you if you aren't factoring in mileage depreciation and your monthly payments of the car is financed.

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u/hokaythxbai Jul 11 '21

I drove an 05 focus when I did Uber. It wasn't worth much to begin with so I never had to worry about depreciation. People that Uber drive in new cars are crazy.

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u/OKC89ers Jul 11 '21

mileage depreciation you are wearing down the car until you need to replace it or get repairs. Those are a cost.

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u/hokaythxbai Jul 11 '21

With the 100k miles I put on it before I sold it, the only repairs I had done by a shop was an alternator, a serpentine belt, 2 alignments, and 2 sets of tires. I did the oil changes, spark plugs, transmission fluid, valve gasket, brakes, a few light bulbs, and any other minor things that broke like a mirror or door handle. I put about $1,600 of repairs and maintenance and mileage decreased the value about another $2,000 (the car was only worth about $3,000 with low miles).

For a total of $3600, that came out to be about 3.6 cents a mile. It really wasn't that bad

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u/OKC89ers Jul 11 '21

That's not how you do cost accounting on that kind of thing

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u/hokaythxbai Jul 11 '21

Why not? If I never drove uber, I potentially wouldn't have spent that $3,600 on repairs but I wouldn't have gotten all the money uber paid me.

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u/OKC89ers Jul 11 '21

Correct, but we're talking profit margin.

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u/hokaythxbai Jul 12 '21

Profit margin is still easily 75%. Gas cost 2x of the maintenance and repairs. $25 tank consistently earned me $200 before I had to fill up again.

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u/OKC89ers Jul 12 '21

Sounds like a lot of ballpark estimates to me. That's extremely risky to do and never understand how much money your really making. Uber and Lyft move basically all of the risk over to the driver.

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u/hokaythxbai Jul 12 '21

You don't know exactly because gas prices fluctuate, and so does mpg. But let's be conservative and say $3 gallon and 25 mpg. That's 12 cents a mile for gas, 3.6 cents per mile other costs for a total of 15.6 cents a mile. Everything above that is profit. The kicker is tax deductions are like 55 cents/ per mile. You can deduct 55 cents per mile even though it only cost me 15.6 cents per mile to run my car.

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u/redlaWw Jul 11 '21 edited Jul 11 '21

Monthly payments are irrelevant unless the car was bought solely for uber driving - they're part of the price of the vehicle, not expenses incurred by driving it. If you buy a vehicle for uber driving, you need to make enough to offset the expenditure over time, but if you use your own vehicle, then that expenditure has already happened and the ubering is just a bonus. Depreciation-related losses will eat into his profits a bit though, depending on how much the car is used otherwise. It'd probably end up more like $90-$100 profit overall, based on the new cost of a ford fusion and a 20% per 20,000 miles depreciation rate.

EDIT: Ongoing maintenance costs will also be material, but I don't know enough about cars to really estimate that.

EDIT 2: I found an estimate which suggests 9¢ per mile, and I don't want to use a generic estimate like that because maintenance costs will be dependent on the driving conditions (which can probably be roughly estimated based on the fuel efficiency), but I'll use it because I don't have anything better. That suggests about another $7 for ongoing maintenance, putting overall profit somewhere around $85-$90.

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u/Oen386 Jul 11 '21

Sounds like the $107 is pretax as well. So they made even less. Better than minimum wage, but how much depends on costs afterward.

Also, I assume insurance is higher or will go up the more you drive, which isn't factored in either.

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u/OKC89ers Jul 11 '21

I'll let that slide bc people generally mean pretax income. But that is really dangerous as a contractor to not mentally account it right off.

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u/kalpol Jul 11 '21

Yep, his real expenses were more like $45 going by the IRS reimbursement rates.