You and I have both been there. You go to the car dealership to trade in your car and they offer you less than you expected for you trade. On top of that, you find out you have much more negative equity in your trade than you thought was even possible. Worse yet, you suddenly realize you’re going to have to carry that negative balance on the trade into your next vehicle. And that means you’ll be driving one car off the car lot, but you’ll actually be paying for two cars!