[Cloud]

I don't know that it's realistic to require everyone to pay cash for a car. Most people do not have 25K they can slap down, even if they save for years. Especially since i think it's more important and essential to have an emergency fund of a few months' expenses. With that you can walk away from a job if you need to ("fuck you money") save yourself from being homeless, pay insurance deductibles and medical expenses if you're injured, etc. That should be everyone's first saving goal. You don't want to spend your entire wad on the car.

Unfortunately, in most places in the US, a car is a necessity. I know I went without one for 5 years, taking the bus to work everyday in 100 degree heat in the summers--absolutely miserable! I finally bought a car through a windfall. I'm better prepared now, thank FSM.

In addition, not everyone can handle the stress of dealing with "shit cars." I'm terrible at car stuff, as you guys know. I freak out whenever my car's in the shop or unavailable. I live alone. Having an up to date, safe, and reasonably reliable vehicle is a requirement.