They say you should try to never finance more than 20% of your annual income on a car. Make $60k? Find a car for $12k or less. Find a perfect car for $13k? Pay

They say you should try to never finance more than 20% of your annual income on a car. Make $60k? Find a car for $12k or less. Find a perfect car for $13k? Pay the extra $1,000 down. Hard sell but cars are such a waste of money in almost every aspect. They shouldn't tank your ability to afford your life any more than they absolutely must.