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For a lot of soldiers, right after their training finishes is the first time they have a decent sized paycheck. So one of the things they want to do is buy a cool car. Chevy Camaros, Dodge Challengers or Chargers, and Ford Mustangs are all cars that offer high performance models but also offer a base model that looks the same and has a normal sized engine. Car salesmen know this, so dealers near military bases will approve financing on any of the lower tier cars for a small down payment, usually covered by the first paycheck, and the assurance that the army will be paying them for at least 4 years.
The joke comes from a lot of people buying these cars, so when you visit military towns you see a lot of them.
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