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@eddified There’s no reason you should be paying $1500 a month on that price point of a car with your income. Save for a few months and put down as much as you can without depleting your emergency funds/savings accounts. You should be aiming somewhere around $40k down payment, to get your...

@childofgod6 Accords and Camrys have long been a staple of the middle class. Somewhere along the line, people’s standards changed and now suddenly those aren’t good enough, it doesn’t make sense.

@a83 My wife and I have a similar take home pay, we also have two kids in daycare ($3k a month) and we bought a new house this year. I’m saying you have a budget/spending problem because I am working with similar numbers/situation and thriving. Next few years until kids are out of preschool and...

@a83 You bring in $230k a year and in a few months without work would be financially ruined? Lets over assume taxes and health benefits so that your net annual pay is 60% of that 230k, leaving you with $138k or $11.5k per month. If you aren’t saving at least $2-3k per month then you have a...

@fullmoon I would strongly advise against spending $50k on a car. If you really must get a “nice car”, checkout a 2-3 year old Lexus, Toyota, Honda or Acura. You can spend ~$30k and get a LOT of car. A 2022 Toyota Avalon in the limited trim, with under 30k miles can be found for under $30k and...