"But I got my car payments spread out over 72 months as opposed to 60 so that the payment would be lower, meaning I pay less over time." I overheard this statement at a crowded bar in downtown Dallas, filled to the brim with 20-somethings. Mumford and Sons served as the soundtrack to this completely idiotic statement, which was lit by stringed patio bulbs, ambient cell phone glow and mason jar candles.