With conditionals we have a few different kinds: always true-- here we use present tense if it rains, we my knee hurts has the possibility of being true -- if one situation is met, the other will happen. I hope it helps
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curiosity100Peter told me that if I bought this car we would have no money at all.Peter told me that if I buy this car we will have no money at all.If you are already in a situation where you are able to point to the car (in words) by using "this car", you are in a real situation. Use "If I buy ...".