Jay Honeck wrote:

Finally, you NEED that Toyota (or equivalent) unless you live
someplace like New York City (where the cheapest tiedown in reasonable
driving distance is $250/month) and the C-150 is discretionary.

Here's where your logic falters: You don't NEED a *new* Toyota.

A single professional commuting to work in New Jersey NEEDS a dependable car. That
means one with less than about 60 grand on the clock. If his boss can remember when
the first time he broke down was the second time he broke down, he'll be looking for
a job. It's an absolute job requirement that a single commuter will be trading in his
car about the time he gets it paid off or, better yet, leasing one and never owning
one at all.

Things change once you become a two-car household.

George Patterson
None of us is as dumb as all of us.