THE GUIDE EVERY CAR BUYER NEEDS BEFORE SETTING FOOT IN A DEALERSHIP

Most car buyers think they are negotiating the right way.

They focus on one number:
“What can I afford per month?”

That single mistake quietly costs Americans thousands of dollars every year.

In this eye-opening booklet, you’ll learn how dealerships use monthly payment conversations to manipulate loan terms, hide interest costs, roll in expensive add-ons, and keep buyers trapped in long-term car debt.

This is not just another basic car-buying guide.

It is a practical, real-world breakdown of:

The monthly payment trap
72- and 84-month loan dangers
Hidden dealership tactics
Negative equity cycles
Add-on financing tricks
How buyers unknowingly overpay
Why “affordable monthly payments” can become financial disasters

Inside, you’ll see real mathematical examples showing how two loans with similar monthly payments can differ by thousands of dollars in total cost.

You’ll also learn:

How to negotiate using total-cost thinking
What questions to ask before signing
How to avoid being underwater on your car loan
Why long loan terms create financial stress
How to protect yourself from dealer financing games
The smartest way to structure an auto loan

Whether you are buying your first car, upgrading your current vehicle, or helping a college student learn financial responsibility, this booklet gives you the tools to make smarter decisions at the dealership.

If you have ever heard:

“We can get your payment down to just $499/month”
“Most customers choose the 84-month option”
“It’s only a little more per month”

…then this booklet may save you thousands of dollars.

Perfect for:

College students
First-time car buyers
Parents helping teens buy cars
Young professionals
Anyone financing a vehicle
Personal finance learners

Stop negotiating monthly payments.
Start understanding the true cost of the deal.

From the Build Wealth Retire Rich Personal Finance Education Series.

personal finance booklet

Digital Booklet (Downloadable PDF): Americans Are Making This Expensive Mistake at the Dealership