{"id":220206,"date":"2024-03-19T17:55:18","date_gmt":"2024-03-19T17:55:18","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/"},"modified":"2024-03-19T17:55:18","modified_gmt":"2024-03-19T17:55:18","slug":"is-guaranteed-future-value-worth-it","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/","title":{"rendered":"Is guaranteed future value worth it?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#Introduction\" title=\"Introduction\">Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#The_Concept_of_Guaranteed_Future_Value\" title=\"The Concept of Guaranteed Future Value\">The Concept of Guaranteed Future Value<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#The_Pros_of_Guaranteed_Future_Value\" title=\"The Pros of Guaranteed Future Value\">The Pros of Guaranteed Future Value<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#1_Reduced_Risk_of_Depreciation\" title=\"1. Reduced Risk of Depreciation:\">1. Reduced Risk of Depreciation:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#2_Lower_Monthly_Payments\" title=\"2. Lower Monthly Payments:\">2. Lower Monthly Payments:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#3_Flexibility_at_the_End_of_the_Term\" title=\"3. Flexibility at the End of the Term:\">3. Flexibility at the End of the Term:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#4_Minimal_Hassle\" title=\"4. Minimal Hassle:\">4. Minimal Hassle:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#The_Cons_of_Guaranteed_Future_Value\" title=\"The Cons of Guaranteed Future Value\">The Cons of Guaranteed Future Value<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#1_Restrictions_on_Mileage\" title=\"1. Restrictions on Mileage:\">1. Restrictions on Mileage:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#2_Limited_Vehicle_Selection\" title=\"2. Limited Vehicle Selection:\">2. Limited Vehicle Selection:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#3_Potential_for_High_Interest_Rates\" title=\"3. Potential for High Interest Rates:\">3. Potential for High Interest Rates:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#4_Excessive_Wear_and_Tear_Penalties\" title=\"4. Excessive Wear and Tear Penalties:\">4. Excessive Wear and Tear Penalties:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#Is_Guaranteed_Future_Value_Worth_It\" title=\"Is Guaranteed Future Value Worth It?\">Is Guaranteed Future Value Worth It?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#FAQs_about_Guaranteed_Future_Value\" title=\"FAQs about Guaranteed Future Value\">FAQs about Guaranteed Future Value<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#1_What_happens_if_I_exceed_the_mileage_restrictions\" title=\"1. What happens if I exceed the mileage restrictions?\">1. What happens if I exceed the mileage restrictions?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#2_Can_I_customize_the_vehicle_if_I_opt_for_guaranteed_future_value\" title=\"2. Can I customize the vehicle if I opt for guaranteed future value?\">2. Can I customize the vehicle if I opt for guaranteed future value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#3_Can_I_pay_off_a_GFV_agreement_early\" title=\"3. Can I pay off a GFV agreement early?\">3. Can I pay off a GFV agreement early?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#4_Can_I_negotiate_the_guaranteed_future_value_price\" title=\"4. Can I negotiate the guaranteed future value price?\">4. Can I negotiate the guaranteed future value price?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#5_What_happens_if_I_want_to_keep_the_car_at_the_end_of_the_GFV_term\" title=\"5. What happens if I want to keep the car at the end of the GFV term?\">5. What happens if I want to keep the car at the end of the GFV term?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#6_Are_these_agreements_available_for_used_cars\" title=\"6. Are these agreements available for used cars?\">6. Are these agreements available for used cars?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#7_Can_I_terminate_the_GFV_agreement_early\" title=\"7. Can I terminate the GFV agreement early?\">7. Can I terminate the GFV agreement early?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#8_Do_I_need_to_maintain_the_vehicle_as_per_the_manufacturers_recommendations\" title=\"8. Do I need to maintain the vehicle as per the manufacturer&#8217;s recommendations?\">8. Do I need to maintain the vehicle as per the manufacturer&#8217;s recommendations?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#9_Can_I_transfer_the_GFV_agreement_to_someone_else\" title=\"9. Can I transfer the GFV agreement to someone else?\">9. Can I transfer the GFV agreement to someone else?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#10_What_happens_if_the_market_value_of_the_car_is_higher_than_the_guaranteed_future_value\" title=\"10. What happens if the market value of the car is higher than the guaranteed future value?\">10. What happens if the market value of the car is higher than the guaranteed future value?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#11_Can_I_trade_in_my_leased_vehicle_for_a_new_one\" title=\"11. Can I trade in my leased vehicle for a new one?\">11. Can I trade in my leased vehicle for a new one?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#12_Does_a_guaranteed_future_value_agreement_affect_my_credit_score\" title=\"12. Does a guaranteed future value agreement affect my credit score?\">12. Does a guaranteed future value agreement affect my credit score?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Buying a new car is an exciting yet significant financial decision. Many factors need to be considered, including the vehicle&#8217;s price, quality, maintenance costs, and resale value. One option that is often offered by car dealerships is a guaranteed future value (GFV), also known as a residual value or a balloon payment. But is guaranteed future value worth it? Let&#8217;s explore this question and weigh the pros and cons.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Concept_of_Guaranteed_Future_Value\"><\/span>The Concept of Guaranteed Future Value<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A guaranteed future value is a financial tool designed to minimize the uncertainty associated with a car&#8217;s future resale value. Essentially, it is a promise made by the manufacturer or dealer to buy back the vehicle at a predetermined price after a specific period. This predetermined price is usually based on the vehicle&#8217;s projected depreciation over the agreed term.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Pros_of_Guaranteed_Future_Value\"><\/span>The Pros of Guaranteed Future Value<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Reduced_Risk_of_Depreciation\"><\/span>1. Reduced Risk of Depreciation:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGuaranteed future value mitigates the risk of depreciation that can significantly affect a car&#8217;s value as it ages.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Lower_Monthly_Payments\"><\/span>2. Lower Monthly Payments:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSince the guaranteed future value is the expected resale amount, monthly payments can be lower compared to traditional financing options.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Flexibility_at_the_End_of_the_Term\"><\/span>3. Flexibility at the End of the Term:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAt the end of the agreed term, you have options. You can return the vehicle, trade it in for a new one, or pay off the remaining amount.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Minimal_Hassle\"><\/span>4. Minimal Hassle:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nWith a guaranteed future value, you don&#8217;t need to worry about selling the car privately or negotiating trade-in prices, as the dealership will handle that aspect.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Cons_of_Guaranteed_Future_Value\"><\/span>The Cons of Guaranteed Future Value<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Restrictions_on_Mileage\"><\/span>1. Restrictions on Mileage:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost GFV agreements have strict mileage restrictions. Exceeding the specified limit can result in additional fees or penalties.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Limited_Vehicle_Selection\"><\/span>2. Limited Vehicle Selection:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nGFV programs often restrict your choice of vehicles to certain makes, models, and trims.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Potential_for_High_Interest_Rates\"><\/span>3. Potential for High Interest Rates:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLenders offering guaranteed future value may compensate for the reduced monthly payments by charging higher interest rates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Excessive_Wear_and_Tear_Penalties\"><\/span>4. Excessive Wear and Tear Penalties:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the vehicle shows excessive wear and tear, you may face additional charges for repairs, diminishing the overall value of the deal.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_Guaranteed_Future_Value_Worth_It\"><\/span>Is Guaranteed Future Value Worth It?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>**Now, let&#8217;s address the main question directly: Is guaranteed future value worth it? The answer is&#8230; it depends.**<\/p>\n<p>GFV can be a useful tool for those who prefer to have predictable payments and eliminate the hassle of selling or trading in a car. If you are someone who wants to drive a new car every few years, GFV might provide a convenient way to do so without breaking the bank. However, if you prefer to keep your cars for an extended period or drive high mileage, the restrictions and potential penalties associated with GFV might not make it the most suitable option for you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs_about_Guaranteed_Future_Value\"><\/span>FAQs about Guaranteed Future Value<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_happens_if_I_exceed_the_mileage_restrictions\"><\/span>1. What happens if I exceed the mileage restrictions?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nExceeding the mileage restrictions in a GFV agreement usually results in additional fees or penalties.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_I_customize_the_vehicle_if_I_opt_for_guaranteed_future_value\"><\/span>2. Can I customize the vehicle if I opt for guaranteed future value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nMost GFV programs restrict significant modifications or customizations to the vehicle.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Can_I_pay_off_a_GFV_agreement_early\"><\/span>3. Can I pay off a GFV agreement early?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIt depends on the terms of your agreement. Some lenders allow early repayment, while others may charge additional fees or penalties.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_I_negotiate_the_guaranteed_future_value_price\"><\/span>4. Can I negotiate the guaranteed future value price?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe guaranteed future value price is typically non-negotiable, as it is predetermined based on the vehicle&#8217;s projected depreciation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_I_want_to_keep_the_car_at_the_end_of_the_GFV_term\"><\/span>5. What happens if I want to keep the car at the end of the GFV term?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf you decide to keep the vehicle, you will need to pay off the remaining amount based on the original agreed-upon terms.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Are_these_agreements_available_for_used_cars\"><\/span>6. Are these agreements available for used cars?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTypically, guaranteed future value agreements are offered for new vehicles, though some programs may be available for certain used cars.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Can_I_terminate_the_GFV_agreement_early\"><\/span>7. Can I terminate the GFV agreement early?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTerminating a GFV agreement early may result in substantial financial penalties. It&#8217;s essential to carefully review the terms before committing.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Do_I_need_to_maintain_the_vehicle_as_per_the_manufacturers_recommendations\"><\/span>8. Do I need to maintain the vehicle as per the manufacturer&#8217;s recommendations?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you are usually required to maintain the vehicle according to the manufacturer&#8217;s guidelines to avoid penalties at the end of the term.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Can_I_transfer_the_GFV_agreement_to_someone_else\"><\/span>9. Can I transfer the GFV agreement to someone else?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nTransferring a GFV agreement to another person may not be possible, as it depends on the specific terms and conditions set by the lender.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_What_happens_if_the_market_value_of_the_car_is_higher_than_the_guaranteed_future_value\"><\/span>10. What happens if the market value of the car is higher than the guaranteed future value?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the market value exceeds the guaranteed future value, you can benefit from the positive equity by using it toward a new vehicle or payment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_Can_I_trade_in_my_leased_vehicle_for_a_new_one\"><\/span>11. Can I trade in my leased vehicle for a new one?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn many cases, trading in a leased vehicle for a new one is possible, as long as the GFV requirements are met.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Does_a_guaranteed_future_value_agreement_affect_my_credit_score\"><\/span>12. Does a guaranteed future value agreement affect my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nA guaranteed future value agreement itself doesn&#8217;t directly affect your credit score, but any late payments or defaults can have negative impacts. Always make payments on time and fulfill your obligations as agreed upon.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In conclusion, the decision whether a guaranteed future value is worth it ultimately depends on your personal needs and financial circumstances. While it provides benefits such as reduced depreciation risk and lower monthly payments, it also comes with restrictions and potential penalties. Assessing the terms, considering your driving habits, and evaluating alternative financing options can help you make an informed decision that aligns with your priorities.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction Buying a new car is an exciting yet significant financial decision. Many factors need to be considered, including the vehicle&#8217;s price, quality, maintenance costs, and resale value. One option that is often offered by car dealerships is a guaranteed future value (GFV), also known as a residual value or a balloon payment. But is &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Is guaranteed future value worth it?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/is-guaranteed-future-value-worth-it\/#more-220206\">Read more<span class=\"screen-reader-text\">Is guaranteed future value worth it?<\/span><\/a><\/p>\n","protected":false},"author":55,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-220206","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is guaranteed future value worth it?<\/title>\n<meta name=\"description\" content=\"Introduction Buying a new car is an exciting yet significant financial decision. 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