I was just reading through this tread and the thing that most caught my attention was all this talk about car payments. No offense but if you can't pay cash for a new vehicle, don't buy it. Just save up the cash and then buy it. It's kind of like taking out a 30 year mortgage on a house, geez, 10 years, 15 years, okay, but a 30 year mortgage. If you can't afford to use a 15 year max mortgage, buy a smaller house. Live within your means folks.