I agree, the only vehicle payment I've ever had in my life was back in '98 when I bought a used '93 Ford F150 XLT swb from a local used car lot!! I was a first time car buyer and I can still remember the price on the windshield at $7,995! I was working at a Firestone store at the time mounting tires and doing oil & lube etc., put in a lot of overtime even working 6 days a week for much of that time! I took large portions of the overtime I was making to save towards buying another truck! I saved $5,500 which would make a huge down payment for the truck but my dad advised me to pay $4,500 down instead of the whole amount I had saved and double up on the payments which I did! I had a 3 year loan on the truck and paid it off in 2 years!
That was my first time car buying experience, my first vehicle was my grandpa's '66 Ford F100 Custom Cab swb with a 352 and a 3 speed manual! It was given to me! I know Tacojoel said he's not particularly fond of these trucks! Lol!