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💡 Car Buying Tips

• Keep your car payment under 10-15% of your monthly take-home pay
• A 20% down payment helps avoid being "upside down" on your loan
• Shorter loan terms (36-48 months) save thousands in interest
• Get pre-approved from your bank or credit union before visiting dealers
• Consider total cost of ownership: insurance, maintenance, fuel, and depreciation
• Don't focus only on monthly payment - negotiate the total price