Reminds me that when I was a kid, I once read the owners manual to our 1967 Ford station wagon. There were a couple of paragraphs on the merits of 2 year vs 3 year financing, with buying a new car once it was paid for (natch). Surprisingly they recommended the 2 year plan. My father messed up by keeping the car for 7 years-he did splurge on getting a/c and an AM radio.