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New 2027 or keep my current 2020?

Farmer 5500

Farmer 5500

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My accountant and I were discussing the need for a depreciation write off this year. I have some depreciation recapture from selling some company equipment (dump truck) in under 5 years. My current 2020 Ram 5500 is fully depreciated and paid off.

Some of the reasons to sell 2020:
1. Will need 6 new tires in next 6 months ($2,500+)
2. Fully depreciated & paid off for a year.
3. 2020 has enough power, but would enjoy the bump from 800TQ to 1075 TQ
4. Aisin 6 speed has been fine, but ZF 8 speed looks to be an improvement.
5. Warranty expires in 2,500 miles (currently have bumper to bumper 7yr/75,000mile warr). Can extend warranty for $3,500.
6. Sounds picky, but mirror don’t power fold and we have very narrow back roads. Really annoying. Could be retrofitted for ~ $1,200.
7. New truck will have 10yr/100K warranty.

Some reasons to keep the 2020:
1. No mechanical or major/minor issues
2. Looks very good for 6 years old
3. Has winch bumper & 25 K Sherpa winch that would have to be removed and installed on 2027 truck. Unknown if bumper will fit 2027.
4. Only has 73K miles on it. Still very tight & strong.
4. Has EBY Aluminum HD bed installed and it still suits my needs pretty well.

There’s probably other reasons to keep/sell I haven’t listed, but those are the first that come to thought.

If I install new tires, extend warranty and install power-folding mirrors, I’d have to spend about $7,500. That could be a partial deposit on a 2027.
New truck looks like it’ll be $95K equipped the way I want. I haven’t nailed down a potential selling price for my 2020, but $40,000-$50,000 looks to be a starting selling price range.
 

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Farmer 5500 said:
My accountant and I were discussing the need for a depreciation write off this year. I have some depreciation recapture from selling some company equipment (dump truck) in under 5 years. My current 2020 Ram 5500 is fully depreciated and paid off.

Some of the reasons to sell 2020:
1. Will need 6 new tires in next 6 months ($2,500+)
2. Fully depreciated & paid off for a year.
3. 2020 has enough power, but would enjoy the bump from 800TQ to 1075 TQ
Click to expand...
Where are you seeing any CC will have HO power? This hasn't changed from 360/800 that I've seen. CC have always been "derated."

Farmer 5500 said:
4. Aisin 6 speed has been fine, but ZF 8 speed looks to be an improvement.
5. Warranty expires in 2,500 miles (currently have bumper to bumper 7yr/75,000mile warr). Can extend warranty for $3,500.
6. Sounds picky, but mirror don’t power fold and we have very narrow back roads. Really annoying. Could be retrofitted for ~ $1,200.
Click to expand...
Mirrors will auto unfold at speed...
Farmer 5500 said:
7. New truck will have 10yr/100K warranty.

Some reasons to keep the 2020:
1. No mechanical or major/minor issues
2. Looks very good for 6 years old
3. Has winch bumper & 25 K Sherpa winch that would have to be removed and installed on 2027 truck. Unknown if bumper will fit 2027.
4. Only has 73K miles on it. Still very tight & strong.
4. Has EBY Aluminum HD bed installed and it still suits my needs pretty well.

There’s probably other reasons to keep/sell I haven’t listed, but those are the first that come to thought.

If I install new tires, extend warranty and install power-folding mirrors, I’d have to spend about $7,500. That could be a partial deposit on a 2027.
New truck looks like it’ll be $95K equipped the way I want. I haven’t nailed down a potential selling price for my 2020, but $40,000-$50,000 looks to be a starting selling price range.
Click to expand...
 
I was told moving into 2027 all models will have a base torque of 1075, but that was just a ram trucks salesman at local Ram dealer.
 
What year is that?
If it stays at 360/800 I’d have more reason to keep my 2020
 
Talked to the tech that has serviced my truck for warranty work and most maintenance (I bought a contract & ext warranty at purchase) about a new truck.
He’s a pretty chill guy, but got a little animated when I told him I was thinking about a 2027. He told me he sees a disproportionate amount of 25/26’s coming in for service. Says reliability is going downhill. That kind of blew me away. He said it’s a “good thing they’ll have the 10/100 warranty, they’ll need it”.
I take everything with a decent dose of skepticism, but this dude’s a pretty straight shooter. He pretty much talked me into extending my warranty and running mine a few more years.
Decisions, decisions….
 
Do you guys think there is any validity to the 7.2 Cummins rumors? I know that 2027 is an emissions tier bump, and it makes sense that they'd swap the 7.2 over to the Ram. Then again, there's a lot of reasons they might not also.

I just mention that because IF they're really headed that direction, I would hold off on buying a new truck until I see all the specs and info on the new engine.
 
WXman said:
Do you guys think there is any validity to the 7.2 Cummins rumors? I know that 2027 is an emissions tier bump, and it makes sense that they'd swap the 7.2 over to the Ram. Then again, there's a lot of reasons they might not also.

I just mention that because IF they're really headed that direction, I would hold off on buying a new truck until I see all the specs and info on the new engine.
Click to expand...

I used to think the same thing, but from everything I read, the 6.7 is stayin’.
 
With the number of issues Ram has had from just a few minor changes to the motor and electrical architecture, I would recommend staying away from the first two or three years of the 7.2. The only reason I’m still willing to move forward with purchasing a 2026, despite seeing so many reported problems, is that I understand it’s not affecting everyone — but it’s still concerning.

I can’t imagine they’ll get the 7.2 — which is a completely new engine, along with new emissions components and likely other changes — fully sorted out in year one, or even year two.
 
techman said:
Enough said! Drive it until it falls apart.
Click to expand...

From a practical standpoint, that’s what I want to do, but then there’s the business end of it from my accountant.
I have 10 fairly significant pieces of equipment, 2 trucks, 4 farm tractors, 2 diesel zero turns and 2 trailers. They are all depreciating on different schedules. Sometimes selling or buying at key or specific times can save you a lot of money.

I would never drive a truck until it falls apart because I would not be able to conduct a reliable business.
 
NDanecker said:
With the number of issues Ram has had from just a few minor changes to the motor and electrical architecture, I would recommend staying away from the first two or three years of the 7.2. The only reason I’m still willing to move forward with purchasing a 2026, despite seeing so many reported problems, is that I understand it’s not affecting everyone — but it’s still concerning.

I can’t imagine they’ll get the 7.2 — which is a completely new engine, along with new emissions components and likely other changes — fully sorted out in year one, or even year two.
Click to expand...
Are you convinced the 7.2 is a reality? Everything I read or hear says no.
 
Farmer 5500 said:
Are you convinced the 7.2 is a reality? Everything I read or hear says no.
Click to expand...
I think so especially if GM and Ford release their larger size motors. Not if but when for Cummins IMO. If I remember correctly every ISB motor, albeit in a different tune, trickled down to RAM so there is that too.
 
Talk about a dream. Just imagine, in a hypothetical world, that Ram released a ground-up total refresh of the HD truck lineup, with the 7.2 Cummins and an updated 450 HP/500 lb.ft. Hemi as the base engine. Powerline 8 speed for them all. Wow... that would be amazing.

But that'll never happen because they would sell too many trucks, and we can't have Ram selling more trucks than the competitors. Nope, don't want that.
 
Even just a non-derated 6.7 would make me happy. Don’t get me wrong my “lowly” 360/800 gets the job done, but would be nice not de-tuned.
IMO, an in-line six can do what a V-8 can do by just making more torque at lower RPM.
I’m like 80% sure I will just hold onto my 2020 a bit longer. I guess if I get really bored, I could do a low-moderate HP tune, but even at the weights I tow, I still haven’t found the need.
 
sstoner911 said:
Not sure why HP is a focus...torque is your friend when towing.

Even the 18 wheelers are only pushing 450-600 HP.
Click to expand...
It’s not my focus. Torque is my focus. I don’t know when I said otherwise.
I’m towing 19 tons and sometimes more.
I have an International dump with a 9.3L 310 HP engine, but it has 1150 torque. It’s great.
I run 4 pretty decent size farm tractors- all in-line 6 cylinder diesels, and am well aware that torque is where the power comes from when it comes to working a truck, or tractor.
I’d rather have a 7.2L with 350/1100. The extra displacement and torque is what I prefer.
 
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