I've mentioned in a previous thread my 2004 4-Runner is ready to be retired. I've ridden it out this far and figure with the holiday and end of year, now is the time to trade in. Am I thinking correctly? What advise would you give this novice car buyer? I'm good at negotiation but haven't bought a car since 2004. Where do the dealers make their money? Is it on the down payment? Should I finance with the dealer or my own bank (I should probably have 2 options)? Any and all input is welcome.