The financial truth behind car ownership. I love cars. I refuse to let them keep me broke.
Aug 28, 2026
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3 min read
Same $400 either way. One path buys a payment. The other builds real money.
Aug 21, 2026
One phone call before the lot changes who negotiates the loan.
Aug 14, 2026
Rolling negative equity does not erase the old loan. It just hides it.
Aug 7, 2026
Same week, same math, two completely different outcomes for two car owners.
Jul 31, 2026
Roll negative equity into a new loan and the old debt just keeps compounding.
Jul 24, 2026
It's not the sticker. It's whether your income clears the bar.
Jul 17, 2026
The same buyers signing $777 payments today are the delinquency print next spring.
Jul 10, 2026
4 min read
Five months later, he was underwater $11,400 - the math never made it into the room.
Jul 4, 2026
AAA released the 2026 number. Depreciation is $4,334 a year. The other lines get worse.
Jun 26, 2026
The dealer's monthly number is the best in the market - for four more days.
Jun 19, 2026
Six line items the dealer never quotes. Two AAA still does not measure.
Jun 12, 2026
2 min read
She drove the 2026 upgrade. The numbers brought her back. The redirect is still sitting there.
Jun 5, 2026
They sold you a monthly number. Here is what that number compounds to instead.
May 29, 2026
5 min read
Most people check the payment. Here is the full math before you leave the lot.
May 22, 2026
What happens when you run the full stack against take-home, not gross.
May 15, 2026
The $411 he did not see coming. Month 8 of owning a CR-V.
May 8, 2026
One in three trade-ins is underwater. Here is what the payment redirect builds instead.
May 1, 2026
22.9% of new car buyers signed a 7-year loan in Q1. Here are the 3 numbers to check first.
Apr 24, 2026
The dealer ran one number. Here are the other three.
Apr 17, 2026
Fake affordability: when you can make the payment but can't afford the car.
