“I financed it exactly the way I wanted to,” or, “Wow, that was easy,” said no car buyer ever. Yusuf Benallal, a YouTuber (@RideWithYusufb) and dealership owner gained thousands of followers by sharing free car-buying advice online.

He recently relocated from South Carolina to Atlanta, Georgia to open a car dealership. Aside from selling cars, he offers buying advice and helps customers find cars within their budget.

In a recent YouTube video, he answers a call from a young, first-time car buyer in a financial bind.

“I live in Virginia and I was watching your videos, and I was trying to figure out what negative equity and all that with my car situation is so I could switch over to a Kia,” said the anonymous buyer over the phone.

She explains she bought a 2015 Chevrolet Camaro seven months before contacting Yusuf, and it was her first time buying a car.

“I needed something quick and fast,” she said. “So like, the APR and interest rate and everything is really expensive… I didn’t even think about it, it was just something that I needed.”

The caller dug herself a financial hole with those payments

As the conversation continued, she revealed she has a loan of $18,000 on the car at 25% interest, with her payments being $1,300 per month. The car cost $15,000 with 140,000 miles, but a “gap” raised it to more than $20,000 after she drove it off the lot. She paid just $1,000 down.

Yusuf, visibly shocked, asked more questions about her financial background. The woman earns $3,000 per month, pays rent, and is looking for a way out.

“You’re paying almost half of your monthly income on this car,” he told the caller. “Look at how tight you’re playing it with this car. The dealer took all your money.”

Yusuf explained she had about $12,000 to $13,000 in negative equity on the car, and was not in a good position to trade it in for a new car.

“You’re not going to be able to get into a K5 for $2,000,” he said. “If you traded it in right now, the dealer would likely offer you, say, $5,000 for your Camaro and then you have a difference of $13,000. You’re going to try to add as much on that as possible to $35,000, and you have $13,000 now, and the bounce is going to be $48,000, so your payment is going to be higher… I don’t recommend you buy a new car.”