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Car buying tips

💥

20/4/10 rule. Put 20% down, finance no more than 4 years, keep total car costs under 10% of gross income. Most people violate all three.

📈

72-84 month loans are a trap. You will be underwater (owe more than the car is worth) for years. Stick to 48-60 months max.

💰

Negotiate the total price, not the monthly payment. Dealers love monthly payment talk because it hides how much you are really paying.

Shopping for a car? CarGurus and AutoTempest aggregate listings from every dealer so you can see real market prices.

Know the real costbefore you sign.