<prompt> Human: Im constantly reading here that for car buying you should follow the 20410 rule. Im a homeowner in a low COL area and clear 2,100 a month. If I followed the 20410 rule, 200 is all I should spend monthly--- including my insurance car note. My vehicle insurance costs 90 a month at the moment for the old Camry I drive. For the last 12 years Ive bought older used vehicles as I was establishing credit...eventually having to deal with some various issues- some serious, some not. Would it really be that bad of an idea for me to finance a used Honda or Toyota with low miles Im giddy at the thought of even having a vehicle with low miles! for 15k-20k?  <response>: Yes, that is a terrible idea. You dont make anywhere near enough money. 