The car market has taken a real nosedive recently with 25% of people that have a loan, being underwater on their loan, meaning they now owe more than the car is worth. And the average is almost $7,000 more owed than its worth! On top of that, we have folks that earn $150,000 a year or more starting to show signs of financial weakness and are starting to pull back on spending which is only going to slow down this economy even further.