We're going to start it off with Joe's question.

He says, I have enough cash on hand to pay for my new car and full, but the dealership

is offering me a much better price if I finance.

Is there a catch here?

Or are there any other things to consider before I dive in and make this decision?

Yeah, it's really interesting, Brian.

One of the things, conventional wisdom used to always behave.

If I show up to a dealership or if I show up to purchase a car, if I have just like

an envelope full of cash, I can do my best wheeling and dealing.

If I come in and pay cash, I know that I can kind of like talk them down and negotiate,

but the world's changed a little bit.

I'm going off member here.

I think you had an experience.

It was almost the exact same as Joe's.

We're like, it was a very similar, hey, if you do this, then we'll do this.

Yeah, I mean, the world changes fast.

I mean, this is why when people say, why don't you just do one time plannings and other

things?

I'm like, have you looked around?

I mean, with innovation, technology and the world, it's moving so fast.

You need somebody at all times.

And this, the auto industry is a big example.

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