wife and I just went through this last year. 2010-2012 Subaru Tribeca used were going for $32000 for a clean example. A 2013 was $34000. 0% financing was free money. 5% for a used car carloan made the new car a no brainer. But, we are looking at replacing another of our fleet this winter. 2014 Hyundai Genesis 5.0…