Using this inexpensive tool, you're guided through the process of getting a few pieces of information about your prospective purchase. At the same time, you're guided through what a much less expensive car would cost. Once your data is entered you get a look at how much more it will actually cost you to borrow the money and drive that dream car. Caution: once you see what that loan is going to cost you, well, that may be when you first find out that the dream is actually a financial nightmare.

Next, with the click of your mouse and the entry of your age you can see what you could have if you simply got the less expensive car and invested the difference in the two vehicles' costs. You'll see what it means in the short run and what it would mean at age 65 when you're ready to retire. (A couple of bad decisions now can mean the difference between travel with steaks, and a good retirement or eating dog food to survive...no kidding.) You owe it to yourself to have all the facts before you decide. And at this price, you can actually afford to see it for yourself.