[bodybybalco86]

Your dealer is blowing smoke.

Here is the most absolute simple break down of how the pricing SHOULD work. I'll use round made up numbers to keep things simple.

MSRP: $70,000
Negotiated discount: $7,000 (10%)
Selling price of car: $63,000

Loyalty discount: $1250 (if you have or had a bmw in the past 12 months)
Conquest discount: $750 (if you don't have a bmw but came from a competitor)
Finance discount: $2000 (if you finance with BMW FS, min finance $7500)

If you qualify for loyalty and you are financing, your total incentives will be $3250

FINAL price $63,000-$3250= $59750

Then you need to add on tax (tax assessed at selling price, $63,000) title, registration and dealer fees which is different for everyone.