Question from Sergio. How lenient are the guys with the 23-8 rule? If I plan on holding

my car for its entire useful life, he says I'm referring to Corolla's and civics here,

not Jaguars and Land Rovers.

Oh, is that the end of the grand, the end of the land?

That's it.

Should it probably go over what the 23-8 rule is, too?

Here's the question I have for Claire Fire for you, so talk about the thing you can go over.

I think a lot of people, because if Sergio is probably wondering if he can, the question,

if you're talking about Corolla's and other things, because realize this whole thing is

to be about discipline. We don't want your eyes and your ego to be bigger than what

you're, your wallet can afford. That's really why we have 23-8. And a lot of people have

a sticking point that we have three years. And I'm going to tell you, I'm very rigid

on the fact that I think you should pay off the car within three years. But I am flexible

if that somebody's offering you the same interest rate on a four-year loan or five-year

loan as the three-year loan, take them up on that. I mean, I'm okay with you having

that way if you got an emergency, I like having flexibility. But I still want this car

paid off within three years.

I was going to say, you're saying, if the interest rate is the same, it's okay to take the

five-year payment, but then you need to do the math to calculate what the three-year payment

should be. I think that's fine, strategy. But you are saying, we're pretty strict on 23-8.

Even if you're going to drive it for 10 years, it doesn't make sense to finance it for

five. Even if you're going to have it for that whole useful life, because all that car

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