The Worksheet, Decoded
Patty's 25 years inside the dealership, turned into a course any buyer can take — read any worksheet, spot every pad, walk in calm. In English and Spanish.
The four numbers that run every deal
Price, rate, term, residual — every worksheet is these four numbers wearing disguises. Meet them undisguised.
The worksheet, line by line
A real (redacted) dealer worksheet, decoded row by row — what each line is, and which ones to circle.
“Cash down” vs. what you actually pay
The drive-off trap: why the number they quote is not your true out-of-pocket — and the one question that exposes the difference.
The money factor
The lease rate they hope you never ask about: what it is, why ×2400 matters, and how to ask for it in writing.
Fees: standard vs. padding
Acquisition, doc (NY caps it at $175 as of 2026), DMV, disposition — which fees are real, and which are profit wearing a uniform.
Add-ons and the back office
Nitrogen, protection packages, GAP, warranties — what's optional (almost everything), what can be worth it, and the written terms to demand.
Tax, timing, and the order of operations
How NY lease tax really works, and the order to settle things in so a “low payment” can't hide a bad deal.
Walk-in ready
The printable checklist, the exact questions, the red lines — and when the most powerful move is walking away.
Be first when it opens
The course is being built now, by Patty, in both languages. Waitlist members hear first.
Join the waitlist