im interested in the optima turbo sx with the premium. sticker is like 31 somthing. with usaa i would be paying 27k. teh lady was bascically telling me i should lease the car for 3 years to get a lower monthly payment. she said if i decide to keep the car after 3 years i would be financing a lower amount. so it would basically be lease to own. would this be worth it at all. i really just talked to her on the phone and do not know anything about buying a new car. leasing sounds to good to be true, if that was teh fact everyone would lease to own instead of financing.