Are You in a Situation Where You Need a Car?

Are you in a place where you're trying to upgrade your car or are you in the like, I need a car. If it's bare necessity, get me there safe, that 20 percent down payment is probably going to be in step four of the financial order of operations. Step eight is when you get to daydream, is this when I pay for the kids college? Is this when I do the really fancy vacation or by the fancy car?