<prompt> Human: Hey PF.Before you urge me to buy a used car, I appreciate the input - Ive driven a preowned 2000 Camry for my driving career and maintained it well since Bush was POTUS. At 172K miles, it still runs fine and I wouldnt be surprised if it saw the next election. This is a planning post for a day where it might not be worth the next maintenance bill, no matter when that is.My question is around posts I see around this subreddit - people make salaries comparable to mine and post budgets with 700 payments on cars with 45K balances remaining. Aside from my mortgage, I cant imagine a monthly payment that large my mortgagetaxint is 3300. If that sounds large, I live in New Jersey.My annual salary is 180K - Im looking at modest Subaru-types 30K a well equipped Forester?. If I put 10K down, this is a monthly payment of 350.Is this how its done? Should I lower my down payment Ive been saving while driving my Camry for the day she gives up the ghost and make a higher monthly?To avoid the budget questions - my 401K was maxed out as of last month and I have 6 months expenses saved with a diversified portfolio and an HSA and continued monthly savings with no outstanding debt etc. I turned 26 this year.Im just mostly curious what makes people raise eyebrows in terms of car payments - because Im not trying to go wild here, I just feel confused.  <response>: With that kind of income, why cant you just buy cash? 