| | | | Dear Reader, | Car dealers have learned a powerful phrase: "What monthly payment can you afford?" In a higher-rate world where the Fed has kept policy rates elevated, that question can push families into longer loans that look manageable month to month, but quietly erode net worth over time. You can protect your cash flow, but only if you price the whole decision, not just the payment. |
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| | | | | | Own the AI Decision Layer Powering Fortune 1000s | | $60M+ raised. 14,000+ investors. Valuation up 4,900% in 4 years*. Shares still on $0.85. | We've built the AI decision layer that top marketers can't operate without. Nasdaq ticker $RADI reserved. Leadership team? $9 Billion+ in M&A transactions executed. | A who's-who roster of Fortune 1000 clients and agency partners are already using their award-winning with recurring seven-figure partnerships in place. | Backed by Adobe, and insiders from Google, Meta, Amazon. Spotlighted in Fast Company, RAD Intel was described in a sponsored feature as "a groundbreaking step for the Creator Economy." | Sales contracts have doubled in 2025. M&A in AdTech/MarTech is the hottest since 2022 — up 118% YoY. The AI deal surge? $55B+ in 2025 already beats all of 2024. | Big markets. Bigger timing. AI could add $15.7T to global GDP by 2030. | Invest at $0.85/Share Today | |
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| | | | | Why This Matters | Inflation is cooler than it was, with consumer prices up 0.2% in January and 2.4% over the last year, but "cooler" does not mean "cheap." Borrowing still costs real money, and vehicles still depreciate the moment you drive off the lot. | Start with today's reality: new vehicles are expensive. Kelley Blue Book reported an average new-vehicle transaction price of $49,191 in January. Pair that with an average 60-month new-car loan rate around 6.98%, and the math gets heavy fast. | A real-world example: finance 90% of that $49,191 price (about $44,272) at 6.98%. The payment is roughly $876 on a 60-month loan, but stretch to 84 months and it falls to about $668. Sounds like relief, until you notice the trade: the longer loan costs thousands more in interest and keeps you in debt longer, often while the car's value is falling. | And the payment is not the whole bill. Insurance has surged in recent years, and the national average is still about $191 per month depending on location and driver profile. |
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| | | | | Where Things Stand | The Fed held rates steady at 3.5% to 3.75% in its January 28, 2026 decision, so "cheap financing" is not something you should count on. For investors and savers, this means car affordability is less about negotiating the sticker and more about avoiding long-term payment traps that crowd out saving, investing, and emergency reserves. | Here is a purchase plan that protects cash flow: | Use 20/3/8 guardrails: Put 20% down, finance no more than 3 years, and keep the payment at 8% or less of gross monthly income. Used vs. new logic: If you trade often, favor lightly used (2 to 4 years) to reduce early depreciation. If you buy new, plan to keep it long enough that resale value is not the center of the decision. Refinance timing: Refinance only if your rate drops meaningfully after your credit improves, and avoid restarting the clock with a longer term.
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| | | | | The Patriot Perspective | A car is transportation, not a wealth-builder. When a "comfortable monthly" requires 72 or 84 months to work, that is often a sign the vehicle is too expensive for the household balance sheet. The win is not a lower payment. The win is staying liquid, staying insured, and keeping your long-term plan intact. | Stay steady,
The Patriot Investor |
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| *Disclaimer: This is a paid advertisement for RAD Intel made pursuant to Regulation A+ offering and involves risk, including the possible loss of principal. The valuation is set by the Company and there is currently no public market for the Company's Common Stock. Nasdaq ticker "RADI" has been reserved by RAD Intel and any potential listing is subject to future regulatory approval and market conditions. Brand references reflect factual platform use, not endorsement. Investor references reflect factual individual or institutional participation and do not imply endorsement or sponsorship by the referenced companies. Please read the offering circular and related risks at invest.radintel.ai. |
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