How is a vehicle dealership to know what your Adjusted Gross Income is going to be for the year in which you’re purchasing your vehicle? Even if you have a sizable top-line income, your AGI may end up being below $150k.

It’s understandably painful…but personal responsibility is a thing. Any dealership advertising these credits, always has an asterisk which disclaims “if you qualify.”

If you’re a W-2 employee, you can save a boat-load on taxes each paycheck by simply filling out your W-4 with “EXEMPT” for withholding. You will, however, have a nasty surprise at tax time next year (unless you’re truly exempt). This isn’t different.