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You really have to be sure on your finances. I don’t see much of a problem with financing a vehicle as long as your smart about it! Any new vehicle is going to lose value, but you can minimize that by optioning it correctly and choosing a car you can sell easily if need be. The focus ST/RS fall into that category
I remember my first girlfriend bought a Chevy aveo or something before we got together. By the time she still owed ~15,000 it was only worth $8,000 on the used market. Now THAT is the kind of vehicle you don’t buy lol
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