Before you let your heart race over that shiny new ride or get swayed by a smooth-talking salesperson, there’s one thing you need to do first: Set your monthly car payment budget. Trust me, knowing what you can afford BEFORE stepping onto the lot will save you from falling in love with a car that leaves your bank account in shambles.
📊 Your Total Loan Amount = Your Monthly Payment
Let’s start with the basics: The more you finance, the higher your monthly payment. It’s simple math, but often overlooked in the excitement of finding the perfect car. Remember, your monthly payment isn’t just about how much you want to pay—it’s about what you can afford.
Here’s the kicker:
- The loan term (how long you’ll be paying it off) will impact how much you pay each month. A longer loan term usually means a lower monthly payment. Sounds good, right? But there’s a downside: You’ll pay more interest in the long run. And trust me, that extra interest adds up quickly!
- The interest rate also plays a big role. Even a slightly higher rate can make a noticeable difference in what you pay monthly and over the life of the loan.
- The loan amount is the total cost you’ll finance. The more you borrow, the bigger your monthly payment. So, if you opt for a luxury car or unnecessary upgrades, it could push your payment well past what’s comfortable for your budget.
💡 Banks Approve What They THINK You Can Afford (Not What Fits Your Life)
Here’s the reality check: When you apply for a loan, the bank or lender will approve you based on what they think you can afford. However, what fits your lifestyle and budget might be a different story. A bank doesn’t know you have a kid in daycare or that you’re paying off a credit card debt. They don’t factor in the weekend getaways or your emergency savings.
Here’s the takeaway:
- Set your own budget before you even think about financing. Determine what fits into your current financial situation without overextending yourself.
- Consider all costs: Monthly car payment, insurance, gas, and maintenance. These expenses can add up fast. The last thing you want is a car that leaves you with no breathing room in your budget.
📅 Lower Monthly Payments = More Financial Freedom
Now, let’s talk freedom—financial freedom, that is. The lower your monthly payment, the more room you have in your budget for things like:
- Saving for emergencies
- Paying off debt faster
- Planning for the future
- Enjoying life without stressing over bills
Consider These Factors to Keep Your Budget in Check:
- Down payment: The more you put down upfront, the less you’ll need to finance. This can make a significant difference in your monthly payment.
- Loan term: Shorter loan terms generally mean higher monthly payments but less interest overall. If you can swing a 36- or 48-month loan, you’ll end up paying less in the long run. However, if you need a lower payment, you can opt for a longer term—but be prepared to pay more in interest.
- Interest rates: Shop around for the best interest rates. Don’t just accept what the dealership offers; check with your bank or credit union to see if they can beat it.
💡 Pro Tip: Before heading to the dealership, use an online car loan calculator to estimate your monthly payment. Knowing your number helps you stay in control and avoid being swayed by shiny offers that stretch your budget.
💪 Tip: Know Your Number, Stay in Control
One of the most empowering things you can do when buying a car is to know your budget—and stick to it. Knowing how much you’re willing to pay each month helps you avoid spending more than you can afford. It also helps you resist the pressure to add features and options you don’t really need.
Plus, when you have a set number in mind, you can easily compare different cars to see which one fits your budget—and if that luxury car is pushing you past your limit, you can confidently walk away.
You’ve done the research. You know what kind of vehicle fits your lifestyle.
Now the million-dollar question (or, at least, the several-thousand-dollar one):
Should you buy new or used?
This isn’t just a question of budget—it’s a matter of priorities, peace of mind, and whether or not you’re okay with a car that might have a mysterious rattle.
Let’s break it down.
🆕 Buying NEW: The Fresh-From-The-Factory Fantasy 🚘✨
There’s something undeniably thrilling about being the first to drive your car off the lot. That new car smell? That untouched odometer? The knowledge that no one else has spilled fries between the seats? Chef’s kiss.
✅ Pros:
- You’re the first owner: No accidents, no mystery odors, no suspicious stains.
- Full factory warranty: Most new cars come with generous bumper-to-bumper warranties, so you won’t be hit with repair costs anytime soon.
- Latest tech and features: Think cutting-edge infotainment systems, driver assists, and the kind of USB-C ports that future-proof your road trips.
❌ Cons:
- Sticker shock is real: You’ll pay more upfront. New cars typically cost 30-40% more than their used counterparts.
- Immediate depreciation: Your shiny new ride can lose up to 15% of its value the second it leaves the lot—and up to 50% within three years.
- Higher taxes and registration fees: Depending on where you live, newer = pricier paperwork.
Who It’s Best For:
- You love the peace of mind of a clean history.
- You want the latest safety and tech.
- You plan to keep the car for many years.
🧾 Buying USED: The Budget-Conscious (and Sometimes Risky) Reality 🚗💰
Used cars are the heroes of savvy shoppers. They might not sparkle quite the same, but they sure can stretch your dollar farther. Still, buying used does come with a few caveats—and, occasionally, a weird clunking sound you swear wasn’t there yesterday.
✅ Pros:
- You skip the big depreciation hit: The first owner took care of that for you.
- Lower upfront cost: In many cases, you can snag a higher trim model with all the bells and whistles for the same price as a new base model.
- Slower depreciation from here on out: Your used car holds its value better in years 2–6.
❌ Cons:
- Wear and tear: You might inherit some cosmetic issues or mechanical quirks.
- Shorter (or expired) warranty: Depending on age and mileage, coverage might be limited—or gone.
- Potential unknowns: Unless it comes with a full vehicle history and inspection, there’s always a little mystery involved.
Who It’s Best For:
- You’re working with a tighter budget.
- You want more car for your money (hello, fully loaded used SUV).
- You’re okay with a little risk in exchange for big savings.
🤯 Plot Twist: Sometimes, a Used Car Isn’t Cheaper?!
Here’s where it gets juicy: thanks to high demand and weird market shifts, some used cars (especially fuel-efficient or popular models) are actually priced higher than newer base models.
Always compare prices before assuming used means cheaper.
👀 So… Which One Should You Choose?
Ask yourself these questions:
- What’s my budget?
- If you have a tight cap, used might give you more for your money.
- How long do I plan to keep the car?
- Long-term owners benefit from buying new and avoiding issues early on.
- Am I comfortable with risk?
- If a few unknowns don’t faze you, used is fair game.
- Do I need the latest tech or safety features?
- New cars are your best bet here.
- Have I checked certified pre-owned options?
- CPO cars offer a great middle ground: lower price, warranty included, and factory inspection.
🎯 Final Thought: It’s Not About New or Used — It’s About Right for YOU
There’s no “wrong” answer here. A new car offers peace of mind and a clean slate. A used car can offer massive savings and flexibility.
The real win? Choosing the option that aligns with your budget, your lifestyle, and your future plans.
Whether it’s sparkling new or charmingly pre-loved, drive away with confidence.
Because You Can’t Find The One if You Don’t Know What You’re Looking For!
So, you’re ready to start car shopping. Exciting, right?
But before you rush to the dealership and get seduced by that flashy red coupe you didn’t know existed (and definitely didn’t need), let’s slow down and talk about the most underrated part of the process:
The Search Stage.
That magical (and sometimes overwhelming) phase where you figure out what car fits your life — not just your vibe.
Here’s how to crush it, step by step:
🔍 Step 1: Pick the Vehicle Type That Matches Your Lifestyle
Don’t just think about what looks cool — think about what actually works for your everyday life.
- 🚘 Sedan – Great for commuting, city driving, and fuel economy champs.
- 🚙 SUV/Crossover – Need room for kids, pets, or gear? This is your sweet spot.
- 🚐 Minivan – Don’t knock it ‘til you try it. Ultimate space, comfort, and convenience.
- 🛻 Truck – Got things to tow or haul? Or just want to feel like a boss on the road?
- 🏎️ Coupe or Convertible – Weekend cruiser? Low passenger needs? Flex mode activated.
📝 Ask Yourself:
- How many people do I need to carry regularly?
- Do I need cargo space for sports gear, strollers, or DIY projects?
- Will I be driving in snow, rain, or rough roads?
✅ Pro Tip: Be honest about your daily habits, not your dream life. If you rarely go off-road, skip the giant 4×4 unless you truly love it.
🎨 Step 2: What Color Speaks to You?
Yes, it’s okay to care about color — cars are emotional purchases, after all!
- Black/Silver/White = Classic and easier to sell later.
- Red/Blue/Bright Colors = Fun, bold, and stands out in a parking lot.
- Beige/Gray/Bronze = Practical, hides dirt, and doesn’t scream “look at me.”
🚿 Low-Maintenance Hack: Love your car but hate washing it every week? Look for colors that hide dust and road grime like silver or gray.
✅ Pro Tip: Color can impact resale value and insurance rates — flashy cars sometimes come with flashy premiums.
🧰 Step 3: Must-Haves vs. Nice-to-Haves (Don’t Get Caught Slippin’)
This is where temptation gets real. The dealership is filled with bells, whistles, and “oh wow that’s cool” features.
But not everything that glitters is a deal-maker.
✅ Must-Haves:
- ✅ Bluetooth or CarPlay for safe driving
- ✅ Backup camera (now standard in many models)
- ✅ Good safety ratings
- ✅ Fuel efficiency that matches your commute
- ✅ Enough space for passengers, pets, or gear
🤔 Nice-to-Haves:
- 🌞 Sunroof or moonroof
- 🧼 Heated/ventilated seats
- 🎵 Premium sound system
- 🛞 Fancy rims or sport packages
- 🧠 Auto-park or lane assist features
📝 Make 2 lists:
- “I will not buy a car without…”
- “Cool, but not essential.”
✅ Pro Tip: Knowing what’s a “must” vs. a “meh” will keep you from being upsold into an $8,000 trim level just for some heated cupholders.
🧭 Final Thoughts: Search With Purpose
The Search Stage isn’t just browsing — it’s laying the foundation for a smart, stress-free car buying experience.
When you know what you need, what you want, and what you can live without, you hold the power.
You won’t get distracted.
You won’t get pushed into the wrong car.
And you definitely won’t leave wondering, “Did I just buy a car because it came with free floor mats?”
So before you even think about stepping into that dealership, start here. Define your needs. Get specific. Own your preferences.
Because a focused buyer is a fearless buyer. 💪
🚘 Ready to move to the next phase?
Ford just dropped eight recalls in one day, affecting tens of thousands of vehicles going back to 2020. If that sounds like a lot, it is. What’s even more concerning? Most of these recalls are fixes for problems that were supposed to be fixed in previous recalls.
The good news? No stop-use notices were issued, so these aren’t major safety threats. But if your Ford or Lincoln is on the list, it’s worth scheduling a visit to your dealer to get things checked out. Let’s break down the biggest issues.
Maverick Pickup: Multiple Recalls for the Same Issues
The Ford Maverick was hit hard, with five separate recalls, most of which involve repeating past fixes that weren’t done correctly.
- Instrument Cluster Issues (933 trucks, Aug 2021 – Oct 2023): Some trucks that previously got a recall fix didn’t receive the right software update, leaving the instrument cluster failing to display safety information.
- Brake Light Malfunction (141 trucks, Aug 2021 – Oct 2022): Brake lights may turn on without the driver pressing the brake pedal—a problem Ford was supposed to fix already but didn’t.
- Powertrain Control Module Update (2 trucks, Mar – Apr 2022): These trucks may not recognize a draining battery, failing to activate the alternator, which could lead to a dead battery while driving.
EV Recalls: Mustang Mach-E & F-150 Lightning Affected
Ford’s electric lineup isn’t immune from recall troubles:
- Mustang Mach-E (243 vehicles): High-voltage battery connectors weren’t properly fixed in a past recall, leading to overheating risks.
- F-150 Lightning (950 trucks, 2022-2024): Some battery cells may have a manufacturing defect, potentially causing a short. Ford advises owners to limit charging to 80% until the issue is resolved. If your truck is affected, Ford will replace the high-voltage battery for free.
Ecosport Crossover: Rollaway Risk
The biggest recall affects the Ecosport, covering models built between April 2021 and July 2022.
- Issue: Front axle shafts may be improperly installed, causing the car to roll away even when in park.
- Fix: Ford will inspect and replace halfshafts if necessary.
Hybrid Powertrain Issues: Maverick, Escape, Corsair
- 207 vehicles (across the Maverick Hybrid, Escape Hybrid, and Lincoln Corsair Hybrid) may shift into neutral unexpectedly due to a faulty Hybrid Powertrain Control Module update from a previous recall.
Trailer Brake Issue: Over 10,000 Trucks & SUVs Affected
- A faulty trailer brake controller module could prevent towed trailers from braking when the vehicle does.
- Affects over 10,000 Ford and Lincoln light trucks/SUVs from 2021 and 2022.
- Fix: Ford will provide a free software update.
Final Thoughts: Ford, Please Get It Right the First Time
If Ford had properly fixed these issues in past recalls, this list would be three recalls instead of eight. Instead, thousands of owners now have to make a second (or even third) trip to the dealer.
If you own a Ford or Lincoln, check your VIN against the recall list and get your vehicle inspected. Hopefully, this time, Ford gets the fixes right.
Maserati once had big plans for electric vehicles. Back in 2022, the brand announced it would go fully electric, launching a lineup of Folgore (Italian for lightning) EVs over three years. The plan included six electric models, two of which would be all-new designs, while the rest would be electric versions of existing cars.
Fast forward to 2025, and reality has hit hard. EV sales are slowing, and many automakers are shifting focus to hybrids or canceling EV projects altogether. Maserati is no exception. Instead of six Folgore models, only three have made it to market:
- Grecale Folgore (Electric SUV)
- GranTurismo Folgore (Electric grand tourer)
- GranCabrio Folgore (Convertible version)
Meanwhile, the Quattroporte Folgore has been delayed, and the two all-new EV models? Nowhere to be seen. And now, we have official confirmation: The MC20 Folgore is dead.
The MC20 Folgore: Canceled Before It Even Debuted
Maserati’s plan to electrify its MC20 supercar is officially scrapped due to a mix of low demand and financial struggles.
The news broke via the UK’s Autocar, revealing some brutal numbers:
- Maserati’s global sales plunged 57% in 2024, dropping from 26,600 cars in 2023 to just 11,300 last year.
- Parent company Stellantis pulled a £1.2-billion investment, throwing Maserati’s future into uncertainty.
- The MC20 itself has been struggling—dealers are slashing prices, trying to move models that have been sitting for a year or more.
The verdict? Not enough people want an electric supercar—especially one from Maserati.
What’s Next for Maserati and the MC20?
With the MC20 Folgore gone, Maserati is doubling down on the gas-powered MC20 instead. According to Autocar, the brand will take performance lessons from the GT2 Stradale, refining the 621-hp twin-turbo V6 to make the MC20 even better.
But Maserati’s financial troubles could mean more delays and uncertainty for other models:
- Levante SUV: Next-gen version may arrive in 2027—if all goes as planned.
- Quattroporte: Originally due in 2024, now pushed to 2028 after Maserati killed off the Ghibli to make room for it.
For now, Maserati’s EV ambitions are on shaky ground. The Folgore dream isn’t completely dead, but the future of the brand looks anything but electric.
President Donald Trump’s one-month exemption from 25% tariffs on vehicles and auto parts imported from Mexico and Canada isn’t enough time for automakers to adapt to the ongoing trade war.
After speaking with Ford, General Motors, and Stellantis, Trump granted the temporary reprieve under the USMCA trade agreement—but experts say automakers can’t shift production quickly enough to avoid disruptions.
Why Automakers Are Struggling
- Complex Supply Chains – Moving production is difficult, especially for companies that depend on global suppliers for key components.
- Factory Relocation Takes Time – Automakers can’t build new plants or reconfigure supply chains overnight.
- Past Disruptions Show the Challenge – Trade policy changes, labor strikes, and the COVID-19 pandemic have all slowed production in recent years.
“Shifting production to the U.S. isn’t something that happens quickly,” said John Paul MacDuffie, a management professor at the University of Pennsylvania.
Industry Response
Despite the challenges, Ford, GM, and Stellantis expressed appreciation for the temporary exemption.
- Ford: “We will continue to have a healthy and candid dialogue with the administration.”
- GM & Stellantis: Thanked Trump for the short-term relief.
- American Automotive Policy Council: Praised the exemption for USMCA-compliant vehicles and parts.
Bigger Problems Ahead
Even with the one-month delay, other tariffs are still set to take effect soon:
- March 12: Steel and aluminum tariffs will increase costs.
- April 2: Broad “reciprocal” tariffs will match import taxes set by other countries, potentially hitting automakers hard.
What This Means for Car Buyers
Higher tariffs could force automakers to increase prices, reduce production, or delay investments. If manufacturers can’t adjust quickly, consumers may see:
- Higher vehicle prices due to rising costs.
- Fewer new car options as companies cut production.
- More demand for used cars as buyers avoid price hikes.
“The uncertainty in the auto industry is holding back investment,” said Brett House, professor at Columbia University. “Companies don’t know what the future holds.”
With time running out, automakers face tough decisions—and consumers may feel the impact sooner than expected.
The 2026 Genesis GV70 is getting a sleek refresh with new design elements and upgraded interior features. However, prices have increased by up to $3,235, depending on the trim.
Performance and Pricing Updates
🚗 2.5T Turbo-Four (300 HP, AWD)
- Base Model: Now starts at $49,345 (+$1,695 from last year)
- 2.5T Select: $52,335 (+$1,685) – Adds power adjustments, panoramic sunroof, and wireless charging
- 2.5T Sport Advanced: $56,885 (+$3,235) – Leather upholstery, heated steering wheel, ventilated front seats, Bang & Olufsen sound system
- 2.5T Sport Prestige: $60,245 (+$685) – 21-inch wheels, sportier design, extra leather trim, third climate zone
🚀 3.5T Twin-Turbo V-6 (375 HP, AWD)
- Sport Advanced: $64,865 (+$4,615) – Previously, the V-6 was available for $60,250, but the trim now offers a lower price than before (-$1,785)
- Sport Prestige: $71,545 (+$1,695) – Top-tier luxury and performance package
Key Upgrades for 2026
✅ New 27-inch OLED display across the dashboard
✅ Microlens-array headlights for a sharper look
✅ Improved interior finishes for a more premium feel
Electrified GV70 Updates (Pricing TBD)
The EV version gets:
⚡ Larger 84.0-kWh battery for extended range
⚡ New standard NACS charge port for easier charging
Genesis hasn’t announced the Electrified GV70’s price yet, but it’s expected to start around $67,000 when it launches after the gas-powered models debut this spring.
NASHVILLE, Tenn. – INFINITI has been recognized as one of the top luxury automotive brands in the 2024-2025 Automotive Reputation Report, securing second place with a Reputation Score of 738. This ranking highlights INFINITI’s dedication to delivering exceptional customer experiences and adapting to the evolving needs of luxury car buyers.
Commitment to Customer Engagement & Transparency
In today’s digital-driven market, online reviews play a critical role in shaping consumer decisions. INFINITI has proactively engaged with customer feedback, enhancing its credibility and transparency across its retail network. The brand has consistently performed well in Reputation’s annual rankings, previously earning the top spot in 2023 and 2021 and finishing second in 2024 and 2022.
“For 35 years, INFINITI has been redefining luxury and setting new standards for customer experiences in the automotive industry,” said Craig Keeys, Group Vice President, INFINITI Americas. “Our recognition in the 2024-2025 Reputation Report underscores our commitment to providing personalized, client-focused experiences that exceed the expectations of today’s luxury buyers.”
Innovative Customer Experience Programs
To further enhance customer satisfaction, INFINITI has invested in a range of innovative sales and service initiatives, including:
✔ INFINITI NOW – A modern retail experience designed to streamline vehicle shopping.
✔ INFINITI Premium Care – A comprehensive maintenance program for new vehicle owners.
✔ INFINITI Valet – A convenient service pickup and delivery solution.
✔ ICAR-X™ Sales & Service Apps – Technology designed to simplify the sales-to-service journey.
✔ INFINITI Client Experience Coordinators & MyINFINITI Experts – Personalized support services designed specifically for the all-new 2025 QX80.
Industry Recognition & Reputation Score
The annual Reputation Report evaluates automotive brands and dealerships across North America based on a proprietary Reputation Score—ranging from 0 to 1,000—that measures key factors such as:
✔ Customer sentiment analysis
✔ Engagement levels
✔ Online visibility across digital platforms
INFINITI’s strong ranking in the 2024-2025 Automotive Reputation Report is a testament to its customer-first approach and unwavering commitment to luxury excellence.
Mazda is celebrating 35 years of the MX-5 Miata, the world’s most beloved roadster, with an exclusive 35th Anniversary Edition of the 2025 model. Priced at $36,250 MSRP, this limited-production Miata will be available in just 300 units across the U.S., making it one of the rarest Miata models ever released.
Exclusive Anniversary Design
The 2025 MX-5 Miata 35th Anniversary stands out with a refined and sporty aesthetic, featuring:
✔ Artisan Red Metallic exterior – a deep, luxurious hue crafted using Mazda’s Takuminuri three-layer paint process.
✔ Beige soft top for a classic convertible feel.
✔ Bright-finish 17-inch alloy wheels for an elegant yet sporty stance.
✔ Color-matched rear spoiler and serialized badging on the rear fender, marking its exclusivity.
Inside, the 35th Anniversary Miata blends heritage-inspired design with modern luxury:
✔ Tan Nappa leather seats with embossed 35th Anniversary logos on the headrests.
✔ Matching tan carpeting and floor mats for a seamless interior look.
✔ Color-matched trim around AC vents and upper door panels, allowing the Artisan Red hue to shine inside the cabin.
✔ A bespoke leather-wrapped key fob sleeve, adding a unique collectible touch.
Premium Features & Performance Enhancements
Built on the Grand Touring trim, the 35th Anniversary Miata includes an impressive list of premium features:
✔ Heated seats for added comfort.
✔ Bose premium audio system for an immersive sound experience.
✔ Wireless Apple CarPlay & Android Auto, plus Alexa Built-in for seamless connectivity.
✔ 8.8-inch Mazda Connect infotainment system with navigation.
To enhance the Miata’s legendary driving dynamics, the 35th Anniversary model is equipped with:
✔ Asymmetric limited-slip differential for improved handling.
✔ Shock tower bracing for added chassis rigidity.
✔ Sport-tuned Bilstein dampers for a sharper, more responsive ride.
Limited Availability & Special Owner Experience
Mazda is offering this anniversary edition exclusively with a six-speed manual transmission and a soft top, staying true to the Miata’s pure driving experience. With just 300 units allocated for the U.S., owners will also receive an exclusive invitation to a special Mazda event—a once-in-a-lifetime celebration of Miata heritage and performance.
The 2025 MX-5 Miata 35th Anniversary is the most refined and capable version of Mazda’s legendary roadster to date. Interested buyers should contact their local Mazda dealership or visit MazdaUSA.com for more details.
Congressional Republicans are stepping up scrutiny of the Federal Reserve, just as the central bank is grappling with stubborn inflation and concerns about its role in regulating banks. This could have a direct impact on US consumers, especially when it comes to interest rates, inflation, and job stability.
What’s Happening?
- A new House task force is being launched to investigate the Fed’s policies, dating back to its creation in 1913.
- Lawmakers are questioning whether the Fed’s dual mandate—which focuses on both price stability (inflation control) and maximum employment—is too broad.
- The task force will also look at whether the Fed missed early warning signs of inflation in the aftermath of COVID-19.
Why Does This Matter to You?
1️⃣ Impact on Interest Rates 💳
If the Fed faces more political pressure to focus solely on inflation, it could result in higher interest rates for longer. That means:
- Higher mortgage rates for homebuyers 🏡
- More expensive car loans 🚗
- Higher credit card interest payments 💳
2️⃣ Cost of Living & Inflation 💰
With inflation still a concern, the Fed’s actions will affect how much you pay for food, gas, and everyday essentials. If Congress forces the Fed to tighten its grip on inflation, prices might stabilize faster—but at the cost of slower economic growth.
3️⃣ Job Market Stability 📉
If the Fed shifts its focus away from job creation and prioritizes inflation control, we could see higher unemployment as companies cut costs. That means fewer job opportunities and slower wage growth.
What’s Next?
The Fed is already conducting its own five-year review of its strategy, but with political pressure mounting—especially from Trump’s allies like Elon Musk, who claims the Fed is “overstaffed”—major changes could be coming.
The big question: Will Congress push the Fed to tighten its policies, even if it risks a weaker job market? Or will they let the central bank operate independently? Either way, your interest rates, your job security, and your cost of living are all on the line.
🔹 What do you think? Should the Fed focus more on inflation or jobs? Drop a comment!
