Why You Must Do the Math Yourself
Monthly payments hide bad deals. Bi-weekly payments hide them even better. Most buyers think: Bi-weekly × 2 = monthly payment. That is wrong. Bi-weekly payments are calculated 26 times per year, not 24. That means: You are making 2 extra payments every year — without realizing it. A $300 bi-weekly payment is not $600 per month. It is actually $650/month equivalent. Dealerships love bi-weekly because: • the payment sounds smaller • the math sounds friendlier • the buyer feels comfortable • the real cost disappears This is why you must always do this: 1️⃣ Multiply the bi-weekly payment by 26 2️⃣ Divide by 12 → This is your real monthly payment Then compare: (Real Monthly Payment × Term) – Taxes = Your Vehicle Price If the math doesn’t make sense — the deal doesn’t make sense. Always negotiate price first — never payments. The money is lost at purchase — not at sale. If you’re buying in the next 30 days, comment ‘BUYING’ below and I’ll tell you your first move.