A: I have finally saved up enough to buy my first car. B: That's great, dear. Do you have a car in mind? A: I want a Honda Civic. I like to drive stick. B: Have you been looking around? A: Yes, I checked online. I have also been to some dealers. B: You have to be careful when you go to dealers. A: I know. They will try to take advantage of people. B: Yes, you should take somebody that knows about cars. A: Yeah, I'm going to take Joseph. He knows everything about cars. B: Good idea. How much are you planning to spend? A: I have $20,000. B: Wow. Are you going to pay for the car? Or will you be making payments? A: I was thinking about making payments. I don't want to get stuck without cash. B: That sounds like a good idea.