<prompt> Human: Dont put yourself in a situation where youre upside down on a car loan! Ever! It seems like almost everyone thats in a tight situation has a car with too high of a payment that they cant get out of. Quit doing this! If you cant put enough down, with a short enough term, to stay ahead of the depreciation, you cant afford the car. Dont buy it.  <response>: Never understood this about people and cars. A car is a means to an end. Buy something you can afford to get you around places, primarily your job and other important things. People that overspend on an expensive car they just had to have remind me of that quote from Fight Club: Eventually the things you own, end up owning you. 