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When I was selling cars, we were willing to cut the most deals towards the end of the month,

because your car sales

cycle as a car sales person is monthly and so you're trying to reach your

quota at the end of the month and so the sales team is going to do what they can

do the management and everything to make sure that you move cars off a lot towards the end of the month and then buying in the evening because everybody's ready to go home.

And so a lot of times you can wear the sales manager down at the end of the night or you can walk away at the night because everyone's tired and they'll call you back for two or three days with a better offer.

Her money is supported by Fidelity Investments.

During this uncertain market, planning for retirement is more important than ever.

Not only can it make you feel better about where you stand today, you'll be more prepared for tomorrow.

Visit Fidelity.com slash Her Money to learn more. Hey everyone. I'm Jean Chatsky. Thank you so much for joining us today on her

money. So when is the last time you got a bargain?

Actually, don't answer that, because I am not talking about that

Madewell 70% off sale that you just killed on your lunch break.

Or the fact that everything at your favorite

store seems to be perpetually 40% off. When is the last time you walked away

from a big purchase feeling like you got a good deal a deal you could be proud of the ability to negotiate and turn our backs on something we want when we aren't offered the deal we need is so important.

And the ability to do it is such an integral part of our overall financial health and well-being.

Well, today we are sitting down

to talk about what it looks like to make smart financial choices,

particularly when it comes to big purchases with money expert Tony Rapley founder of my fab finance

dot com and author of the Amazon bestseller the money, a practical guide to help you succeed on your

...