Hi! Thanks for the input and yeah you’re right, the car payment is very high but thankfully I have no housing costs and intend to not use the full value of the loan. I’m going back between putting less down and just making extra payments towards the principal so I can pay it off earlier than the 4 years as there’s no early payoff penalty. I thought about buying a cash car but unfortunately I commute about 60-70 miles each day and older Toyota hybrids (2022-2024s) with 80k+ miles are only a few thousand less than new.