We haven't made a car payment in over 20 years...ever since the last of our kids moved out and we actually had disposable income. But we didn't buy new because, well...we're cheap. He's really good at fixing cars, but the older he got and the more complex the engines got, we finally agreed that we needed to go new with a warranty, hoping that new would be more dependable. We tended to buy fleet cars with low mileage, and we drive vehicles literally into the ground. This will likely be our last car purchase. When Cherry Bomb dies, we'll probably lease. Let someone else take care of R&M.