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Car buying can get a little out of hand these days. For many consumers, the act of purchasing a vehicle is not a purchase for a practical automobile to be taken out for everyday use, but, rather, the choosing of an extension of one's personality that will be on display for all to see.

For this reason, average car buyers are willing to make monthly payments for longer than five years, which will drag down their disposable income possibly for the amount of time they will use the vehicle, resulting in them owing more than it is worth.

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