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[Pages:26]The purpose of The USAA Educational Foundation is to lead and inspire actions that improve financial readiness for the military

and local community.

This presentation and additional information can be found on The USAA Educational Foundation's website: .

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IMPORTANT D ISCLOSURES

The USAA E ducational Foundation does not endorse or p romote any commercial supplier, product o r service. The DOD d oes not endorse or favor a ny commercial supplier, product or service. This is an educational presentation only and examples are for i llustrative purposes only. Information f ound w ithin this presentation is not to be construed as legal, tax or investment advice. It constitutes only a general overview of the subject matter discussed. The USAA E ducational Foundation, a

nonprofit o rganization, d oes not provide professional services for f inancial, accounting or l egal matters. You s hould always consult with your tax and legal advisors regarding t he legal consequences of y our specific situation.

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AGENDA

Before the First Test Drive Shopping for a Vehicle How Much Can I Afford? A Tale of Two Car Buyers The Bottom Line

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BEFORE T HE F IRST T EST D RIVE

Assess your n eeds

Do you n eed a vehicle?

Consider y our situation

Upcoming m arriage, children, P CS, deployment

or separation?

Hint: Consider changes in income during the entire life of the loan.

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CRITICAL F INANCIAL P OINTS T O C ONSIDER:

Review y our overall s pending plan (budget) Limit total v ehicle costs to 10% of gross pay Check your c redit report and credit score Save f or a down payment Secure financing Do your r esearch

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