(Kristen) Welcome to Money Matters. It's 7:57 with Justin Chastain. And, Justin, today we are just trying to understand those auto loans. There are so many options. What's the best advice?

(Justin) Yep. That's definitely true. So, the best thing you can do is just understand your values. You know, write down your values personally, professionally, and financially, and then reach out to a trusted advisor to help you along the way.

(Kristen) Yeah, the advice always helps, but a lot of people just want to know, "What are the best terms to reduce my payments every month?"

(Justin) That's exactly right. So, that's why it is so important to have a plan in place with that trusted advisor. And what you can do is put a little bit more money down on that vehicle, and then also making sure that you are watching your credit score, because that will help reduce the interest rate. And if you do those two things, that can reduce your payments over the longterm.

(Kristen) Oh, well, that's great. Now, everybody out there shopping for new car, make sure to reach out. Thank you so much, Justin.

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