Not to mention that if you're in that <$40,000 income bracket, you're almost guaranteed driving a car that has a very high probability of needing a $400 (or wor

Not to mention that if you're in that <$40,000 income bracket, you're almost guaranteed driving a car that has a very high probability of needing a $400 (or worse) repair quite regularly. You also likely live somewhere where you need that car functioning to get to work.