Any thoughts on how willing you think dealers will be to negotiate once the "end of year savings" are over? I know a lot of the "savings" is just hype, and the dealer is going to still want to sell vehicles after December is up. But, a difference of 1-4k would be extra incentive to at least try my credit union and the resource provided.
FWIW, the only variable I am iffy about on the job is the exact percentage to allot for taxes and other withholdings, since this is my first full-time real job. In my spreadsheets I accounted for about 34% in total withholdings, but I have some buffer built into other calculations. Of course it seems nothing is a sure thing in this economy
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