Exactly, I just do my research on Edmunds and a few sites....go to the dealer/manufacturer's sites for rebate schedules and match them up against year end inventory or any of the other criteria. If you know what you want a few months in advance just do your shopping and get the money in at the best time. No way I'd ever finance a $35k and up auto loan that's just ridiculous. It's the people who do who can never get out from under it and put away enough along the way to just pay it off lien free.