The stupidity of today

  Millions of Americans are giving their new trucks back in 2026, and this video explains what is really happening, because there is no return policy on a new pickup and no cooling off period on a car loan.  What looks like people returning trucks is record negative equity, underwater car loans, voluntary repossession, and repo rates at levels not seen since the Great Recession.  We break down why the average full size pickup now costs almost sixty six thousand dollars, why one in five buyers has a car payment over a thousand dollars a month, how eighty four month loans trap owners, and what rolling negative equity into a new truck loan really costs.  Then the practical side, how to escape an upside down truck loan, smart down payment and loan term rules, and how to actually own your truck instead of renting the payment forever.