What you have got to forget about is the money you spent of spec as that money is instantly burnt. Also what you have to remember is if there are give away agents knocking 10% of a new gti then who is going to pay an where near list for a used car. If it's only 3k cheaper than new but the time you get a deal on a new one you will be at least half way there. Like said above you could of bought something else new and will of lost insane amounts. Imagine buying a new Passat 1.6 tdi for 21,000 and then seen 9 month old cars out there for £14999.00.