Ok not really, but pretty close.
When I was 18 I came up with the idea that I would buy my own car. It will be fun, I thought. It will be exhilarating, I thought.
It would ruin my life.
I financed my first car with Santander, and with an interest rate of around 9% my car note was $404.77. I remember that ridiculous note down to the cents. The salesman waived his hand in dismissal of the price stating that after a year of on-time payments I would be able to refinance for a lower payment, and the naïve me believed him.
“It should go down about $100.”