5 Ways Car Dealers Rip You Off (And How to Avoid Them All)

5 Ways car dealerships rip you off and how you can avoid them all.
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Car dealerships can be very profitable depending on the types of customers they sell cars to. You can either be the type that gets ripped off at the dealership, or you can save a lot of money with an understanding of how car dealers make money. Just like any business, car dealers need to make a profit, but not to the extent that you have to pay full-price for everything. I’ll cover how car dealerships rip you off and these include the service/parts department, the price of cars and trades and the financing office. So if you’re buying a car or you need service done, this video is all about saving you money at the dealer. Enjoy and please share!!
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Disclaimer: I am not a financial advisor. These videos are for education/entertainment purposes only. Investing of any kind involves risk, so please conduct your own research.
#honestfinance #carbuying

[@JimmysJunk]

I didn’t like the dealers rates with my perfect credit so I got 2.5% for 5 years at my local credit union. Always check credit union rates!

[@HonestFinance]

Jimmy McGovern Good call

[@hassanabdul-khaaliq9645]

Always use the CU. Got a 2013 Jeep GRAND Cherokee for 18k, insurance gave me 4k, put that down on the truck, made it 14k CU gave me 4.7% with 48 months, paid it off in a year and a half with extra payments

[@skorpyo331]

But the dealers can actually do better interest rates if they feel like it.

[@hassanabdul-khaaliq9645]

@@skorpyo331 dealers are trying to make money

[@kaiserteach8314]

For a new car or a used car ?

[@gemmaniye9035]

I watched your other vids before I bought my first SUV. I used your tactics, especially negotiating, and got a great deal! Thanks for all your advice!

[@HonestFinance]

That’s awesome! Glad it helped :)

[@robertarmstrong905]

15 dealers disliked this post.

[@RealLifeMoney]

We definitely live and learn. I learned that every single warranty, like you mentioned, is not always necessary. If you are able to save more than what the part would be worth then the warranty wouldn't make sense. Same thing with the financing. Its good for credit, but we should always be putting something down for the loan.

[@odbo255]

I got it! Thanks Jason - really glad I found your channel.

[@NaamWynn]

17% interest rate on your first car? Ouch! That's a painful and expensive lesson. You live and you learn.

[@HonestFinance]

You do live and learn, but hopefully I can help others out w better advice than I got

[@RealLifeMoney]

I was thinking the same thing! 17% geez! I financed one of my first cars as well then realized I hated the monthly payments and just paid it off :P

[@HonestFinance]

I paid my loan if in 3 months cuz I had the cash. My first payment had over $400 going towards interest and I at least understood that

[@HonestFinance]

I’ve heard much worse stories w some of the comments on this channel. It’s scary how bad dealers will ruin you if you don’t pay any attention

[@john95800]

Honest Finance mine was 22% for 66 months.

[@mateo5175]

I got it! I’m a while away from buying a car but I like watching your videos to gain any edge I might need. Thanks :)

[@HonestFinance]

Thanks for watching!!

[@Soundlogic40]

Great content. Love your delivery and your info is spot on.

[@HonestFinance]

Thank you. I appreciate your comment

[@allaboutjones]

Thanks a milli for your vids. Just bought a car yesterday. Your videos gave me understanding of what to expect and watch out for. It’s hilarious how they try to move numbers around like I don’t understand math. They want you to focus on monthly payments rather than price. Thanks 💯

[@HonestFinance]

Well then my video was great timing :)

[@christopherchristy6328]

Found u just in time sir!!! Bless u indeed!

[@HonestFinance]

Hey thanks. I’m glad the video helped

[@harangadsingh1434]

Don't stop doing these videos bro. You really are great at it :D

[@HonestFinance]

Thanks! I won’t

[@ttlee]

I got it! I especially like the tip about gap interest, and non-mandatory fees.

[@marym.stevenson2612]

Lots of great info! Thanks for the insider tips.

[@HonestFinance]

You’re welcome! Thanks for watching :)

[@JamesJohnson-sx4rt]

Thanks for all your advice and help 😊 I'm definitely going to be able to get a better deal on a car now. Love the channel and Great job!

[@HonestFinance]

Thanks! I e got a lot of car videos that should help

[@MoneyGrowthAcademy]

Great video, as a dealer with 17 years of experience, I thought it would be worth it to make a video going over some of the tactics used in the industry from the point of view of an ACTUAL dealer. Hope you enjoy some of the points we made 👍🏽

[@yazminrivera-lopez3980]

Thank you for the video! Very helpful!

[@HonestFinance]

No problem. Thanks for watching it :)

[@taylormcguirt1804]

your videos are so helpful! I'm going to buy my first car tomorrow and I will definitely be using your tips. Wish me luck!

[@HonestFinance]

Good luck!! Let me know how it goes

[@ReaveIdono]

Such an eye opening video. I appreciate it.

[@HonestFinance]

Thanks. Glad you liked it

[@tthaas]

Great video; I get it. Give the dealership as little information as possible to keep them from yanking you around, and remember that everything is negotiable.

[@samuelorozco3439]

Solid advice, very well explained! Thank you for your help, Jason. I am studying up as much as possible before walking into a dealership to negotiate the best I can. Small point of feedback - sometimes I have to go back a few seconds to rewatch what you said, simply because the pacing of words is too fast. For those of us who are a little slow (lol me), making a few more pauses to let your point get across would help immensely.

[@HonestFinance]

Thanks for the tip! I’m always trying to improve

[@Spenceycat123]

Thank you Jason! I got it!

[@lataviamurphy1744]

You’re amazing, God bless you!

[@jimmyc15]

Got it man, great vid!

[@HonestFinance]

Thanks for watching!

[@troyflowers8605]

great video! i learned a couple valuable things!

[@HonestFinance]

Thanks for watching it. What was the best point you learned?

[@thundarwabbit5140]

I Got it! Thank you for the series.

[@winstonjones7912]

Awesome job on another great video. This video came just in time because I will be in the process of buying a new car soon.

[@HonestFinance]

Thanks for watching!! What car you gonna buy?

[@winstonjones7912]

@@HonestFinance2019 Honda Insight. I kind of want to wait to see the 2020 models before I go all in. Great advice on putting a down payment on a credit card. I got a credit card that gives 1.5% cash back.

[@HonestFinance]

Good choice of car. I almost took that out of the video, so I’m glad you liked it. Use your credit card for sure if they let you and you have cash

[@amr47amr]

I got it! Thanks! Good stuff. Your videos are really helpful!

[@HonestFinance]

Thank you!

[@TruFinancials]

The monthly payment trick is a big one. They truly cab manipulate that to work for you, but it will cost you!

[@HonestFinance]

Ya it’s crazy that most of us don’t realize what the lower payment means. Payment is important, but not if you get ripped off everywhere else!

[@HonestFinance]

That’s why we all have 30 year mortgages :)

[@tthaas]

My last car, the salesman kept coming back to payment numbers, I simply told him "I know you can make the payment anything you want -- just finance it over a very long period. Let's talk price, I'll let your finance department see what they can do, and if the payment is acceptable, I'll buy the car." The secret? I had financing in place through my credit union, so I knew what my maximum payment would be anyhow. Turns out their finance department could get me a better APR, so I walked out paying LESS than I expected :)

[@robinpohl2702]

Got it, liked, thanks!

[@HonestFinance]

Thanks for watching!!

[@ayo30s]

Great info as usual, 👍🏾👊🏾✌🏾🇳🇬🇺🇸

[@HonestFinance]

Thanks!!

[@suzannehoetzl8744]

I got most of it. Thanks for the video.

[@HonestFinance]

You’re welcome :)

[@jarridtaylor7778]

Very helpful

[@HonestFinance]

Thank you very much

[@johndbro1]

This was great. I'm glad to know I'm not the only one who got taken advantage of with my first car loan. My kids are nearly at the point where they'll be buying their own cars soon, hopefully I can save them some money.

[@HonestFinance]

Thanks for watching. Consumers just have to be aware of all their sneaky ways of making more money . You’ll save your kids money :)

[@helenposee2508]

Im still here. 🙂subbed! Thanks for the info! I like it that you dont talk fast like youre pulling something on us.

[@HonestFinance]

Thanks. I feel like I talk fast to the camera :)

[@odbo255]

I liked something that isn't in these later videos which was present in the prior videos on negotiation (which causes a lot of anxiety for even the most confident). "Just do XXX and you will be just fine." You said that in most of the 2018 videos and I think it is a great technique, especially because it was repeated once at each of the points you were making where a person may have to do something they weren't comfortable with, or be aware that they are vulnerable during. Creating the "beat" of warning/reassurance is something I miss from videos like this one. I hope you consider incorporating it back in, I think it was very effective.

[@lindaclaudine3029]

odbo255 - Thx - I’ll search out @HonestFinance ‘s earlier videos as I am most freaked by that aspect!

[@odbo255]

@@lindaclaudine3029 Look for the videos and "You will be just fine." :-)

[@coreykeirstead1128]

I got it! Love the info!

[@HonestFinance]

Thank you! Glad I could help

[@albertm.santos6403]

Thank you for what you do for us. Haters is dealers and dishonest mechanics. Wow! What ashame and to the all family damn.

[@Kenny-bp8ux]

I got it, you have been so helpful to me by opening my eyes in car buying.

[@HonestFinance]

Thanks!! Car buying is a serious scam if you don’t do it right

[@Kenny-bp8ux]

@@HonestFinance right. So my credit score is 790 but the auto loan that is in the description is giving me 4.60% for 60 months on a 40k car. What do you have to say about it?

[@HonestFinance]

Can you afford the payments? 4.6% is about as good as they get right now

[@Kenny-bp8ux]

@@HonestFinance I can't, I think that I have to check my bank or credit union. Thanks for the help though.

[@jackieboo6776]

I got it! Thanks going tomorrow to trade in my car! I got so rid off 3 months ago so now I'm doing my homework!!!

[@annahanu1808]

Great advice! I always but used and pay cash. They don't pay a lot of attention to me when I tell them I'll pay cash.

[@HonestFinance]

Ya it’s not what it used to be

[@CSSuccessGamer]

i heard if you pay cash they'll jip the normal price up to 2k+ extra.

[@krickette5569]

I got it! Thanks for posting such great videos. I'm gonna share this one with my daughter. She's getting ready to buy a car. I have a cousin that has been asked not to return to a local dealership because he got Such a good deal on his truck.

[@HonestFinance]

Thanks for the sharing and I hope the info can save you some money. I have lots of videos on car buying, so check them out anytime

[@gene_pool_exotics3261]

Wish we would've watched a couple of your vids before we financed our '16 Explorer. We definitely got ripped off. I literally did everything you warned about in this

[@HonestFinance]

Sorry. We all live and learn.

[@marktxm]

Got it and appreciate the vid 👍

[@HonestFinance]

Thanks! Glad I could help

[@69indian70]

Some dealers charge exorbitant fees for filing for titles and registration with the state's dmv. This is just another profit center for a dealer. Customers should insist that a dealer be very specific in identifying all fees that will be charged. This needs to be done before there is even a verbal agreement to purchase. Thousands are often left on the table trade-ins. Dealers consistently low ball the value by offering only "trade-in" value rather than "retail". They also downgrade the condition report even when the auto traded is in excellent condition. I'm a senior and I still learned the hard way.

[@rabonahh]

Why would a dealer offer you retail on a vehicle youre trading in? That makes no sense, they have to fix up inspect and recondition your trade

[@LocalFiveGuy]

We are going to be looking to buy a new car soon. My wife said that to negotiations with the dealership will be a lot different, because of the COVID-19 pandemic. I would appreciate it if you could please make a new video explaining how to negotiate during the pandemic.

[@angelikasda2299]

YES PLEASE!!!

[@BigAl77545]

Oh yes, I got it. Thank you so much.

[@HonestFinance]

Thanks for watching!!

[@w.j.romano6927]

I got it. Nice presentation

[@HonestFinance]

Thanks for watching!!

[@ka-mekoc6987]

I got it! Thank you

[@HonestFinance]

;) Thanks for watching

[@yuureihaiku]

I got it! thanks!

[@HonestFinance]

Thank you for watching the video! Hope it helped :)

[@PhotonTheta]

Calm, cool, and collected. I got it!! I got the money in my pocket and if they want it...

[@HonestFinance]

Thank you for watching!!

[@melaniefluker81]

Thank you got it

[@HonestFinance]

Thanks for watching! Hope it helped :)

[@ramah-gwilson3125]

Got it.. thanks

[@ramah-gwilson3125]

I will use this guidance in the next week or so.. Thanks Jason

[@zacharypeloquin340]

That was really humble of you to tell us that it took you three hours to do spark plugs. 😂😂👌

[@hugenhardiman6030]

Hi Jason. I am planning to close the deal on a used car tomorrow at a used car lot when I realized there are numbers doesn't make sense. The price of the car is $25,990, then another items: After 2,995 down - advertisement Prep/Reconditioning - 1,995 Total: $30,980 Plus Tax/title/fees & payoff And, on the terms and conditions will expect coat for license inspection, destination charges, finance charges, lender fees or dealer prep charges extra. Thx!

[@PanAmPatti]

I would love to see any suggestions on auto insurance. Especially in the area of which cars pay a higher rate. I own a 2007 Kia as well as a 2014 Ford explorer. I’m in California, Los Angeles area and I noticed recently that I am paying more on the Kia when it used to be a lot less than the Ford Explorer. It used to be that a rate went down the older a car got.

[@HonestFinance]

I know what you’re talking about. I’m starting to research insurance to do future videos on :)

[@sdcashman45]

I got it. I work as a Warranty Administrator for a dealership.

[@Benmeglei1]

My man doing a lightstream auto loan commercial in the middle of his how not to get scammed video. 😂 gotta pay the bills somehow.

[@dominiquestewart6609]

And this is why I didn't sign the dotted line yesterday... Went to a dealer and they were wanting to charge me 345 a month in a payment for 72 months .. on a car that's only 13k... See I knew something was not right .. my payments shouldn't be that high... I kept asking what the interest rate was gunna be and they never told me just kept beating around the bush .. the interest had to be in the 20s for the payments to be so high... I Kno it's my first car loan but I have good credit everywhere else .. just not car credit... They were trying to set me up

[@HonestFinance]

Good call. All that info needs to be transparent before you sign anything

[@lisawilliams9405]

This video is only for people with excellent credit. If you don’t have excellent credit sometimes you have to over pay to get your credit back on track. That’s what I had to do but only once. My credit score was super low.

[@josetorres.8845]

Hi I' ve got ripped off twice big i mean big So I want to advice you that when you are buying a car never sign any paperwork until you check all this things 1. When you choose a car that you like and when you are sure that that is the car you are going to buy alway take a picture of the price tug lacated on the car take two or more picture from close and far because they can chage the price on the paperwork for exemple if the car has a $12,000 price tug they can raise the price to $16'999 And if you didn't check that the price is the same on the paperwork they got you. 2 always check interest how much is the bank charging you and ask the salesperson if the interest is per year or for the five or six years And always ask how much total profit the bank is going to make on your purches or buying Ask the salesperson how much you are going to pay for everything during 5 or 6 years payments including the tug price of the car and the total interest or the bank profits Including the extra insurance that they make you buy And you can alway ask the salesperson to ask the bank to charge you less interes For exemple if the bank want to charge you 12% and interest you can ask the salesperson to ask the bank who acepted your credit to drop it to 8 or 10 % I 've ask them them And they have drop it down. Then after the salesperson has explained every detail about your purchase and you agree then you can sign the paperwork And if you don't agree you can deny it and walk away.the Also make sure that they show that they have added the dowpayment or trade in and don't let them pay you low money for your trade always ask for more

[@dexterhorton1854]

I got it and thank you

[@HonestFinance]

You’re welcome!

[@dadgummit7431]

This world is full of scammers. Hard to trust anyone.

[@troyflowers8605]

i didnt know that we could decline fees (like the "Dealer prep" fee) that are not mandated by the state or federal government .

[@Dcc357]

I got 1.9% APR plus a 13% employee discount for a new VW GTI. However, tax, registration, wheel and tire coverage (good idea where I live), made the price go way up. Back to MSRP numbers. MSRP on the sticker is NOT an out the door price, but I turned it into that lol. If I can pay it off faster I'll pay less for it in the long run too.

[@VivaSanNico]

I got it....Muchas Gracias

[@HonestFinance]

Thank you for watching!

[@lachave7409]

Got it 👍

[@Inspire_andrew]

I got it thanks

[@paintballerz12]

Got it!

[@HonestFinance]

Thanks for watching

[@lavayuki]

My dad came with me to buy my first car at a Toyota Dealership and haggled the price down. The dealer was really pushy with all these extras. For servicing and body work I always used third party mechanics as opposed to the dealer

[@HonestFinance]

Good call bringing your dad. First time car buyers can easily get ripped off

[@soullessid]

Thanks for the tips man, "I got it", question though, how much do you think you should pay maximum for your first car at 17 years old? I have a job and I want a camaro XD it's about 12k-15k for whichever one I get and i did the math for the monthly payment and i think I could make it happen but I want your advice

[@HonestFinance]

How much money do you make?

[@HonestFinance]

And do you have any other expenses?

[@meanbean98]

it is a shame you ended up paying everything for that car but from what i know i see it all the time turning 21 is the time we have become of age where you think you know it all as well as girls very very gullible in some situations i have seen some heart breaking instances... anyway Its awesome that your sharing all of your knowledge and past mistakes in which ive been through some myself I love them because they are very helpful. however I think it would be cool if you use these same video if you can and name it... 21 and want to buy my first car somewhere along those lines actually all your videos are so informative and if you can also keep them under the names that they are now how cool that would be reaching that audience as well...just my 2 cents either way keep them coming I certainly am learning too :)

[@TiberiusStorm]

I tried to negotiate with a dealer today. It was beyond stressful and the guy was a prick! The deal I got out of him was shit. $10k down for 48 months at $221/bi-monthly or every 2 weeks 2.99% financing. It was for a Hyundai Kona. He also tried to make it seem like I was wasting his time. The fools could have sold me a car but after they insulted me, I had to give up and walk away empty handed!

[@hip2dadip]

😱😥 I'm guilty of making every mistake you mentioned. My last car purchase of $18,000 ended up costing $27,500 after warranties and add-ons.💲👎

[@HonestFinance]

Uhhh I’m so sorry. It happens to lots of us

[@InvestX]

Oh thats what we call getting “pounded”, its better if you paid that as fast as you can so you wont have to pay a lot interests

[@CSSuccessGamer]

wow they scammed you for an extra 9k+.

[@madaboutmel]

Got it! :))

[@HonestFinance]

Thanks for watching!!

[@ineedmondayoff]

We need professional car buyers for car salespeople and dealerships.

[@leonardocamejo4715]

Will I get approved for a loan from Lightstream Auto Loans with a credit of 684 (Fico Score 8) and 15% Downpayment? First car buyer, I have never had a Loan in the US, only 1 credit card and I'm a permanent resident.

[@HonestFinance]

You can always try, but I don’t know their recipe for approval

[@cretnotonic]

I'm looking for my first new car and it's stressful just thinking about all the lies that go on in a dealership.

[@susana5052]

Got it.

[@rabidhobo561]

I want to buy a 2019 used Jeep Cherokee. I know interest rates are better at credit unions but I’m not sure how it works since my other cars have been cash. So when I go to the credit union and apply for a 25k loan, do they give me 25k cash so I can go buy that car cash? Then I just pay back the credit union? Or does it work differently than that?

[@HonestFinance]

You just get pre approved for a certain amount, then buy your car and sign based on the actual numbers. Then you’ll just start paying back the loan to the credit union

[@HonestFinance]

It’s easy

[@MOF.P]

I got it 💪🏾💯

[@HonestFinance]

Thanks for watching!

[@peterbiere9384]

So what's considered good credit? I have an average of 704. I have been paying down my cc significantly and ck says it should go up in the next few weeks and my average could increase by oh idk 5 to 15 points putting me at 710 to 715. Is that much of a difference in terms of being able to get a lower interest rate?

[@HonestFinance]

Lenders use different tiers for credit rankings. 750 is typically the “good” category. That should be the goal, but I’d talk to your lender and find out what they’re looking for

[@jrr6079]

I have a question. I’m thinking of getting a new 2019 Nissan 370Z Nismo. The MSRP is about 45,000-47,000. I believe the dealers invoice is about 44,000. When I’m in the finance stage do I negotiate when all the taxes and license tax are included or no? This will be my first ever car from the dealer. I am also not trying to get any add ones except maybe for the gap insurance. Everything else I will not want even though there is a chance they will try to sell me the other add ons as well. I want to negotiate around 40,000-44,000. By the way, your videos are very helpful and entertaining. Thank you for the tips!

[@HonestFinance]

I’d recommend watching all my car videos so you know more of what to expect. Negotiate everything before taxes. Here’s a playlist link kzbin.info/aero/PLOmIpJDqCR-L6xTFH83iG-hGK9aDpy17r

[@frankieramos8017]

I wouldn't buy a new nismo go for a slightly used one and save a good 8k

[@anandshankart]

I got it !!

[@nateslifer9934]

I got it !

[@jmoran6888]

I got it!! 👍

[@HonestFinance]

Thanks for watching!!

[@Oscarrr544]

I plan on buying the car in a couple of months so I still got alot of time to do my research. Let's just say I get the car checked out and inspected by a mechanic and everything is fine with the car what would be a good average price point to pay for a 2018 Honda Accord EX. Thanks again

[@HonestFinance]

You’re looking at about $23,500 with 20,000 miles

[@Oscarrr544]

@@HonestFinance Thanks for answering I really appreciate it. I cant wait to start driving and own my first car. Wish you loads of success.

[@HonestFinance]

Thanks. I drive a new car and I love it

[@HonestFinance]

I bought it new, but now it’s 4 years old :)

[@HonestFinance]

Thanks for watching!! Did I miss anything? Let me know in the comments 😎 Watch more car buying videos: kzbin.info/www/bejne/qKiylHR-ia1nhdU

[@alexisheron8106]

Do you negotiate the price of the car if it's lower than kelleyblue book? Like $1000 less?

[@alexisheron8106]

Is it a good thing if the dealer doesn't do in-house financing but instead only uses credit unions ? Is it similar to going through the credit union yourself?

[@HonestFinance]

You can always try :)

[@alexisheron8106]

@@HonestFinance I did actually and it worked ! Your videos are extremely helpful

[@williamhenriquez2383]

Got it!! 👍🏻👍🏻

[@raulcollantes182]

5 months too late... bought a cpo at a good deal but they hit me with the extended warranty! life lesson for sure... great videos!

[@skorpyo331]

So its not true, you hv to get oil changes(servicing intervals) by them to not void your warranty??

[@PodcasterNick]

Looking to buy a 2015 Ford Mustang Ecoboost Premium with 74,334 miles on it. The car is in good condition, with only 1 owner and no accidents. The Ford dealership wants 15,575 for it. Is that a fair deal or do you have a better one?

[@HonestFinance]

$15,100 is the lowest average price paid. I think that a fair deal, just don’t let them charge you a bunch of stupid fees

[@wysta01]

I got it👌🏾

[@HonestFinance]

Thanks for watching! Hope it helped

[@rusteezy8786]

So I got a car for a sale price of $18,600 with 12% interest rate and am paying $447 a month for 72months.. Am I paying too much

[@DiegoHernandezVet]

Wish you can be my side when I buy my first car lol

[@godsownsonablegod8627]

wish same here.

[@godsownsonablegod8627]

Good job your doing... I have never built credit score before cos i paid everything cash but i realised the essence of credit score when i wanted to buy a home January this year.. Now i went car shopping but getting outrageous rates.. So i have been kinda skeptical but felt some sense of relief now that am watching ur video

[@alexburke1720]

This is depressing, dealers... sigh.

[@marlonmcconner2961]

I GOT IT!!!

[@angiereed4552]

Cash pay?? What ab a 2018 2019 Nissan frontier sv cc 4x4??

[@HonestFinance]

How much are they going for?

[@angiereed4552]

@@HonestFinance not really sure on those years but a 2016 all most costed me a house for years to come by being scammed 26,000.00

[@angiereed4552]

@@HonestFinance I'm In tn

[@HonestFinance]

Just check NADA and it’ll tell you what you should pay

[@omarramos8927]

Off topic are you related to Mark Rober the KZbin engineer

[@HonestFinance]

Nope, sorry

[@xMrSandbagx]

How do you know if they're making a cut of the interest from financing?

[@HonestFinance]

Compare the rate to a local credit union and you can tell if there’s a spread

[@eunicedetoiles9901]

@@HonestFinance i wish this could be explained more with some examples....I don't understand this.......thanks.....

[@Santi_fernandez-_-]

What about lo jack $695 fee? Or $300 fee to take lo jack out?

[@prepandpray5333]

Any tips on paying cash for a used car? Is it a plus or neg? $16,500.00 cost.

[@HonestFinance]

It’s a plus because you’ll save yourself about 5% in financing interest. That’s about all though

[@prepandpray5333]

@@HonestFinanceThanks much.