1d • General discussion
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.
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Why You Must Do the Math Yourself
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