Thanks y’all for all the info, definitely learned some things here. Before I get into anything though, just wanted to let everyone know my ADM was only $5,000. I also actively invest the majority of my money and rarely blow my paycheck.
For the ESP I think I’ll definitely go with Flood Ford or at least tell my dealer that and see if they can match. For extended warranty I’ll give it a think and only budge if I can really get a good offer on it. Seems like Ford gives a good factory warranty and by the time it fails, my money today could have doubled by then (invest).
I think I’ll also check out some of the credit unions mentioned here and try getting pre approved once it’s clear the truck will be at the dealer soon and negotiate the dealer with those rates. 1.75 from BofA sounds pretty nice.
Lastly i just wanted to say that financing a vehicle, even if you can purchase it outright, makes sense to me because the sh**ty credit bureaus actually cap your credit score in the 700s due to “lack of recent reinstallment/loan information”. In my case I’ve never gone into the 800s because of this (never have had outstanding balances, went and actually spoke with credit bureau people from all three). When i asked how to bring it up they said the only way was by getting a loan, even though I don’t really need it (what a wonderful thing!!). So a smaller loan that i pay off overtime will bring that up and help me with mortgage rates when i go to buy a house. I actually have enough money to purchase the vehicle outright and my salary would certainly help me there too. Not trying to be rude but for all those suggesting to “not finance ADM” sure I get that if I’m financing the whole truck but I’m already paying the, 78,985 - 30,000 = 48,985, up front.
Sorry that last chunk was not so nice but thanks again everyone for the advice!