[jrc1122]

First off, Thanks for your service. I served in the USAF for 10 years. It was a great time, and a great career builder for me.

But to the Original Point:

Well, I will come at it from a different point of view.

When you finance you pay interest. When you pay interest you plain and simple over pay for you vehicle. So putting 10K down is a great thing, Lowers the amount financed, which mean you pay less interest overall.

I am just now coming around to the realization that I have always been a fool with money. Sure I paid my bills on time, every time. But If I calculated just all the finance charges and interest rates I have paid over the years. I could have a few really nice cars sitting in the garage paid in full, and a fat bank account.. All you need to do, is put your wants on hold for a little bit and save up the cash.

I'm not preaching.. I haven't even lived by my own advise. But I am going to start. No more credit cards, no more auto loans, especially financing nearly the full amount for a car.

if you can drive a beater for lets say 4 years, and then save extra hard for the car you want. You will not be paying any interest, thus being able to save the cash to buy the car in a few less years, than the payments would be for.

You will then be able to go buy your Camaro outright. and have no payment, and keep the savings going. In theory if you put your dreams on hold for about 4 years. You can have a new car every 4 years and pay no interest, and own each car outright!