nikkas, never ever finance a car. just don't do it.
well at least just don't do it anymore. if you are financing a car, then try to sell it. buy a beater. go buy yourself nice Civic or Corolla for cash.
instead of paying a car payment, invest that money. cars depreciate and lose value. expensive cars are your worst enemy. you got a lot of cash on you? then buy a nice used car straight cash. You got no cash? Then don't you pull a trigger on a new ride.
imagine you are a young dude and just bought a nice car 2 years ago financed for 60 months @$500 monthly. you still have 3 years left and paying the monthly 2023. and just imagine you put that $500 toward TSLA or SQ and just dollar cost average. just imagine the money you would've made by just passing up buying a nice car.
i don't plan to buy a new car anytime soon. when i'm ready to buy, i'm buying cold hard cash. Last time i made a car payment was 2013. I saved so much money not buying a car.
This is the smartest financial decision anyone can make. Mind on a big prize brehs. Acquire assets and no more increasing your liability.