<prompt> Human: My mom got a letter in the mail 4 days ago from a dealership that wanted to but her 2012 Hyundai Accent at standard KBB trade in value. The salesman showed her a brand new Dodge Avenger, that is really the best value the dealership has. 3500 in cash rebates. 3000 off sticker. Its really a good deal. But what my mom just doesnt want to understand is that the car note she will be looking at will be 33 of her gross income. Its a standard 72 month car note for roughly 560 a month. My mom makes 21-22k a year. Her current car note is 360 a month. I just cant get her to understand how stupid it is to basically take out a comparable mortgage on a depreciating asset. The only thing she keeps saying is how she needs a brand new car because she doesnt like her current one, how her current one has 60k miles on it, how is she doesnt trade it in now she wont be able to trade it in next year for another car. Meanwhile the salesman just keep talking about how much of a good deal the brand new car is. Going to his clip board doing the math and adding up all the cash rebates and money off sticker price, but completely ignoring my objection about the bottom line. All my mom sees is a brand new car. She has never owned a new car, and she has always wanted to have one. All the salesman talks about is how much of a good deal is available, and how it wont be available next month. All I see is the bottom line and fucking stupid financial decision on a depreciating asset. Meanwhile I cant help but feel a little angry T the salesman because I cannot see how he can make this sale in good conscious considering how grossly disproportionate it is to my moms income. update: I literally had to get on my knees and beg. But disaster averted.  <response>: Good god, a fucking Avenger? She wants to get rid of a Hyundai Accent with an Avenger?! That is the worst car currently bestowed on the face of the earth, including its clone the Sebring200. Tell her to buy a used car of any other company, or maybe a new Versa, but not an Avenger. An 89 Corolla 3-speed auto with heavy rust and some accident damage would be infinitely better. 