Agreed that our healthcare system is complete shit, but why exacerbate the likelihood of living in a box by adding a monthly payment that one is marginally capable of making without said broken leg??I mean...regardless of having a car payment, "1 broken leg from living in a box" is a condition of our shitty health care/insurance system in America. xD
I'm not a huge Dave Ramsey fan (though I think he's good for people looking to get out of a hole) but I believe he generally advises that you shouldn't own anything with a motor that is more than 1/2 your income. Our financial advisor said the same (and his comments had nothing to do with DR's comments as he wasn't even aware of DR's "steps"). For example, if you make $50,000 a year - you shouldn't own a car worth more than $25,000 (he also is adamantly against car payments which only tends to get worse due to the "debt loop" for many)...