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Automobile dealerships are aware of this emotional buying impulse and often manipulate financing options to make monthly payments seem manageable, leading consumers to buy more expensive cars than they can truly afford. The recommended strategy to avoid this trap is to purchase a used vehicle that is 3 to 5 years old, balancing depreciation and value. Leasing might be a suitable alternative for those with higher wealth who are willing to accept the depreciation hit, especially if they desire new cars frequently. Nonetheless, the key criterion is to keep monthly payments within a reasonable proportion of one's income to prevent financial strain.