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I don't know how to word this correctly but when you put down a $10k down payment, it doesn't add to the cost of the car. If I'm buying a car with a MSRP of $50k and I put a down payment of $40k on that car, I'm not paying $90k for the car. The next time you buy a car you may want to take someone along to help you out, it may save you a lot of money between financing, warranties, negotiating, etc it sounds like you could use some help. Not trying to be a dick, just seeing a lot of potential money being saved.
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