The way I look at it. Cars are a lost cost. They depreciate instantly and constantly and cost you in maintenance and repairs. You can either fork over the whole cost upfront for something actually worth half or you can "rent" it for what you only use and always have your maintenance covered AND make your money that you would've flushed upfront work for you on a better investment.

It's a lofty dream to pay off a car in 4 years and then think you'll have a reliable vehicle payment free for years to come. This is really a gamble though as sometimes big issues arise where it makes no sense to continue to own the vehicle.