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> nearly new car used and save 1/3 to 1/2 of the cost

This is pretty old advice, inaccurate for any car worth it's salt that you're buying.

Good luck buying a slightly used Toyota for 1/2 cost, it's more like 6% off each year.

Almost all cars lose 20% of their value within first year of ownership. https://www.kbb.com/car-advice/how-to-beat-car-depreciation/

Go do a search for 2019 and 2020 Ford F150s or Toyota Tundras. They almost all list at half MSRP.

Ok sure.

Not seeing any $17k Tundras. ($33k msrp)

We have: $39k, $40k, $39k, $42k, $38k, $39k, $45k…