Shrewdly navigating large purchase decisions plays an important role in building wealth.

While many individuals focus on $ 5 lattes and other small but frequent expenses when trying to manage their cash flow, the reality is, the largest financial purchases we make—often homes and automobiles—will play a larger and more persistent role in our long-term financial well-being.

Unfortunately for consumers, the U.S. auto market is not set up to deliver the most benefit at the lowest cost. Across the country, many state legisl…
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