Deal options

There is a target price for msrp by way of neogation. Are the dealers options and accessories negotiable?

Keep it simple. Apply the target price percentage to the bottom line sticker price. That way you apply the discount to accessories as well.

New cars are for suckers. Why put money into somenting that immediately loses 10-20% of its value as soon as you take ownership??!!

A car's depreciation curve is the most steep during the first three years. Let some other sorry Joe absorb that depreciation and purchase the car at the financially optimal time.

I was lucky enough that my father gave me a car when I graduated (five years ago). I don't intend to buy one for another four to five years.

Not having a car payment is a financially empowering thing. That frees up a considerable amount of additional money for investing.

I don't plan to ever make a monthly car payment in my life. You should follow the same course of action.