Two things you should always do:
1. Shop around for ANYTHING you're buying
2. Negotiate the price of your vehicle (new or used)
Failure to do either of those things isn't an admirable quality. It's naive and dumb.
I would never make a purchase (over, say, $50) without having done research or shopped around. A purchase of over $20,000? Yeah, you better be well educated and ready to negotiate. This isn't about either having the money or not, it's about being smart with the money you have.
Give to charity if you want to give away your money.
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