Remember the last time you dropped 412,000 smackers on a set of wheels? I sure-as-Betty don't. But when Rolls-Royce rolls out their Drophead Coupe in a few months, some poor (or rich) joe is gonna throw down some serious dough ... and even then, there's a 2-year waiting list for this particular Rolls-Royce car.

Sarcasm switch ... ON. I can just hear Dave Ramsey now, talking about how a new car loses 60 percent of its value over the first four years. That would mean in 2011, this boiler would only be worth about 164k. So if you take out a car loan over 6 years at 7 percent, the monthly payments would only be about 7 grand. A steal, if you can get it. Sarcasm switch ... OFF!

It's too much. Even though car loans this size probably don't exist, Some yahoo out there is gonna go for it. See where this one is going? You should, jack ... from about a mile away. Don't buy more car than you can afford. And definitely don't do the car payment routine. Save up, pay up and shut up.