I totally agree with the financial nightmare part.Im finally out of the negative equity trap.It was easy to fall into it,but took years to get out of it.I kept buying and trading and I got so buried it got to the point where I couldnt even buy anything anymore.I finally had to buy a bare bones 02 Dodge Caravan,not even a CD player!!!I had to keep it for the full 6 year term to eat up all the negative equity from all my other cars.I hated that van,but it was a nessecary evil.Now I have my 07 Ram starting from square one.Im at about 27 k otd,and thats adding some other stuff as well.

I know we all get excited when buying a new vehicle and we think "Well,thats not so bad" take a deep breath and think about it for a second.The decision you make could affect you for many years.

Yep, the biggest reason I say do not discuss monthly payments! If you did your homework you already know what you can afford. I could lower you monthly payment, sweetening the deal but the price of the truck actually went up!

i discussed my payments and i told the dealer either you get me the payments i want or you can keep it so after 2 hours of going back and forth with the salesmen i got it at almost what i wanted it for only 8 dollars more.