You Won’t Need A Credit Card for These Personal Finance Resources, But They May Attract Interest Ever have trouble figuring out what the people at the end of the commercial are saying when they talk really fast? Or what about all the small print down there right before a car ad is over? Heck, even the language during a car commercial can be pretty overwhelming: tax, tag, and title. Zero down. 30 days same as cash! What many of us at the very least understand, and our students usually do not, is that most of it deals with government regulation and finance. That’s right, how much it will cost and how we can pay for it.