<prompt> Human: My wife and I are used car shopping and we care more about the total price, but every salesman is convinced that all that should matter is the monthly bill. I wouldve disregarded this as them being dishonest, but my uncle was a car salesman and he gave the same advice to my mom. This makes me think that either they dont know what theyre talking about, or maybe Im wrong? What does rpersonalfinance think?  <response>: They can give you almost any monthly payment amount you want, and then they can ensure they make a ton of money by adjusting the interest rate, repayment period, and total price.Focus on the total amount of money it will cost you when youve finally paid everything back. That is the number one thing to look at.NEVER trust a car salesman. And it looks like in this case, dont trust family either. 