and going to school. About 5 months ago she landed a very nice job with good benefits, in a field she loves, making a real difference in the lives of people in need.

She has been working since she was 15 years old. During that time she has driven old cars with lots of miles.

Today she was buying a newer car and wanted me to review all of the details.

She found a car on Facebook Marketplace that was $8,000 under the dealer booking value. She got approved for financing at America First Credit Union at the lowest interest rate possible. She rejected the gap coverage, life, disability, and warranty add on. She only financed what she needed even though the bank told her she could borrow $6,000 more that she paid.

I am really happy she has listened and learned how to navigate a field that eats young people alive. As an insurance agent I see horrible situations of young people getting over their head to buy a car. 20-30% interest rates on cars that are 50% overpriced with thousands of pointless added expenses.