Where do they get the money? Credit my man, credit! The hourly guy (nice term for oil change flunkie) is in school to be a technician (no, they don't teach you to be a mechanic anymore) and he has a civic (i think...they all look alike) with the wheels, grapefruit shooter pipe, and other 'mods' (red painted calipers, neon, LEDs in stead of door lock buttons, yellow painted dash, etc). He has NO MONEY. You see, mommy and daddy help make the car payment, and his credit cards are stuffed with the other goodies.

back in the day when i was that age, youngins couldn't get a credit card, and my first credit card had a limit of $500. can't do nuthin with that!!

Today I can have my revenge (wife permitting...). Am buying a used minivan, and found out my credit union will finance ANY car - even classic and antique (they says so themselves they do yessir) - if'n i wants to spend 25 grand, i kin gets me an 8 year loan at 4.99%!!! I kin even refi a car i already own!!

now to pay off the minivan BEFORE it needs replaced...