Before you buy, secure bank pre-approval in writing. Know your final vehicle price FIRST, before mentioning your trade-in. Smart moves for car buyers.

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Considering the 2026 Mazda CX-90 Turbo S Premium Plus? It boasts a strong inline-six, an upscale cabin, great visibility, and easy entry/exit, making it a top contender, especially for older drivers.

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Unlock the secret to car buying! Don’t discuss monthly payments until the final price is locked. Master dealership negotiations and drive away with the best deal.

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Most car buyers know their purchase price. Most know their monthly payment. Almost none know what their vehicle actually costs them to own.
In this episode of The Color of Our Money Is Green, Roosevelt Gist breaks down Total Cost of Ownership — the real, complete five-year cost of any vehicle, once you add insurance, fuel, maintenance, registration fees, and depreciation on top of your financing. According to AAA’s 2025 Your Driving Costs study, that number averages $11,577 a year — nearly $58,000 over five years — and most of it never shows up in a dealership conversation.
We walk through all six categories that make up total ownership cost, including the one almost nobody calculates before they buy: depreciation, which alone accounts for the single biggest expense of owning a car. We also name the documented research on why two of these categories — insurance and financing — run higher for Black families, citing findings from the Consumer Federation of America and a 2024 D.C. regulatory study on racial disparities in auto insurance pricing.
Then we hand you the complete seven-step framework to calculate the real cost of any vehicle you’re considering, before you sign anything — plus this week’s Green Book Moment, spotlighting Citizens Trust Bank, one of the oldest Black-owned banks in the country.
Every dollar spent on an unnecessary ownership cost is a dollar that doesn’t go toward a down payment, a business, or retirement. This episode gives you the tool to catch that money before it walks out the door.
Get “The Color of Our Money Is Green: A Buyer’s Guide to What Cars Actually Cost” at stan.store/RGist.
Your money is green. Know what it costs.
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AutoNetwork helps serious car shoppers inspect any new vehicle online before walking into a dealership. I’m Roosevelt — I’ve been reviewing cars and shaping digital car buying and credit union auto leasing since before YouTube car reviews existed.
You’ll find detailed walkaround reviews, POV test drives, and buyer-focused breakdowns covering comfort, space, features, and real-world value.

How to use the channel:
Watch the walkaround of the car you’re considering
Visit AutoNetwork.com for the full review
Check CouponsOffersAndDeals.com for current dealer specials
Walk in already knowing what you want — and what it should cost

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Affiliate disclosure: some links earn a small commission at no cost to you and help support the channel. Insta360 is one of those partners.

Federal law, the Truth in Lending Act, mandates disclosures BEFORE you’re legally obligated. Don’t be rushed into a contract; know your rights. Stan.Store/RGIST

🔗 Watch the full video: https://youtu.be/dgZnv0Bnu-0

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Nobody on the lot will mention these 4 sticker details. One could alter your trim choice entirely. This isn’t marketing; it’s the truth I share with family. Stan.Store/RGIST

🔗 Watch the full video: https://youtu.be/3ynHNM5iF0A

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