sister had trouble making the car payments, and when I asked to read her loan documents, I was floored. I investigated. I asked, “How did you buy this car? How did you negotiate?” She replied, “I told the dealer I wanted a payment of $399 per month.” Her tragic mistake wasn’t negotiating weakness, but financial illiteracy. The dealer gave her exactly what she requested, and by doing so, she got ripped off. She bought a car for thousands above sticker and borrowed at near illegal rates. The dealer gave my sister exactly what she wanted: a car payment at $399/month, and
