Clark wants to share a brand-new trend in the car market that affects the mass affluent automobile crowd.

Historically, only a small sliver of Americans would buy a luxury brand. Then Lexus changed the psychology completely with its late '80s entry into the market. They targeted the aspirational wealthy -- those who have a little more money than most people, but are not yet truly wealthy.

Lexus' entry into the marketplace was followed by rival Acura, which also adopted the business model of selling both moderate-level and entry-level luxury cars. That move then prompted BMW, Jaguar and Mercedes to bring some of their comparative models into the American market. All these factors combined to create a true mass affluent car marketplace.

But right now, the mass affluent folks no longer have the income they once had. Their HELOCs are being shut off and their investments are plummeting. The result? They're not buying any longer. This creates real opportunity, especially for used luxury and near-luxury cars that are being returned at the end of a lease. There's way too much supply. This is a real sweet spot in the market right now.

Meanwhile, Toyota has a new offer of 0% financing that seems poised to take advantage of GM's cash troubles. The Japanese automaker is cash-rich while the American nameplate is in a real cash squeeze. There's no way GM could afford to do an offer of 0% financing. This highlights a real split in the marketplace as some brands can offer the great financing deals and others can't.