Maybe I’m doing it wrong? I negotiate the deal, trade in my old car, buy the new car outright... off my line of credit. Have the bank pay the car off quarterly for a year, via gains and dividends. Rinse and repeat. I suppose I’m losing money but it’s so much easier to have no car payment.

Thanks. With 10 MSDs, what does the top tier credit Money Factor on a wagon (use 2018 as a proxy...) drop to?

Here we go again on the MSDs.

better off buying Amazon stock lol.