Is the Dealership Actually Doing Me a Favor on This Trade In?
Humans cannot hold two moving numbers in their head at once, and every sales floor on earth is built on that limit. A trade in feels generous because of: 1) mental accounting, they shuffle money between the trade, the price and the financing until you are only watching one of the three 2) the decoy effect, a deliberately bad option sits there to make their preferred one look like a gift 3) anchoring, the sticker was never a price, it was a number planted so the discount feels real. There is one number that matters. Everything else is decoration.
What is actually happening
They ask what payment you want
That question hides three prices
Generous trade, worse everything else
Total cost never gets discussed
Where the money actually moved
Ask for the out the door total in writing and watch the mood change.