Love all of you and I apologize that I am going to say this but, the minute you show up at the car dealership with USAA, Employee discount (Ford Plan etc), Costco, or any pricing program; the salespeople jump for joy. You just made their job easier by agreeing to purchase the car for a price that is above the threshold. Kind of like achieving 4-8-3-3.

A little negotiation will yield you at least true invoice (not the published version that is inflated) minus 5%. I promise. Just dont show your cards or any desires.

Good Luck,

TEN