Just saw this and it shocked me because I haven’t bought a new car since 2018 and always pay for it up front. I learned a long time ago, and struggled to implement it then, that it is best to have the money for a car up front, buy used, and hold for a long time (or a lot of miles). It is hard to get ahead of the payments because you have to save for the next car at the same time you’re paying off the current one, but so worth it once you get there.