<prompt> Human: Hey guys! This is my first bike and Im 19 so Im not entirely sure if Im being ripped off. Im from California. So Im dealing with all dealerships through the phone because everyone knows its a bad idea to go into the dealerships excited.EnterHere is the run down.Enter8,999 - Base Price, includes all factory rebate and incentives applicable.Enter350 - Destination charge by the manufacturerEnter130 - Charge by the dealer to set up and service out your new vehicle.Enter235.50 - Title, Document Fee, C.T.R.F. and License feeEnter950.31 - California Sales Tax, Los Angeles County 9Enter10,564.81 Total Cash Price The MSRP is 11,500EnterI dont have that kind of money so I financed. I have a credit score of 675 with four and a half years of credit history and a 20,000 credit line. I talked to them on the phone and they dont have the bike in their lot but it can be delivered within 3 business days once I sign the papers and put a deposit of 500. Yes, I have sat on the bike and its comfortable to me and Im able to flat foot it. I offered 180 knowingly they would deny, then they had a counter offer for 206. I said Ill think about it. Well after shopping around thats the best deal I could find. I called again for a counter offer 200 for 60 months with GAP insurance included. They accepted and Im confused.EnterAll in all. Its 10,564.81 OTD. If financed it would end up being 12,000 after the 60 months. Plus the 500 deposit, which I dont think is going towards a payment. So in total it would be 12,500.EnterAny tips to bring up to the dealer when I go or just advice whether Im being ripped off or not would be greatly appreciated.EnterP.S. Im a full time student and I get a few scholarships here and there. I make 20-30 an hour depending on tips for 25 hours a week as a waiter. And I make 10 an hour for being a caregiver on the weekends for 16 hours a week.  <response>: Financing a motorcycle at 19 years old is a terrible, terrible decision. I know you dont want to hear this, but it would be wiser to use your income to build an emergency fund if you dont already have one. Have other loans? Start paying those down with your extra income. 