That's Chapter 5 of that Dave Ramsey bookIf we want to be TRULY logical, invest that $400/monthly car payment for a few years, let it grow. Maybe put it in real estate. After five years, buy a BETTER car outright, use the savings on interest to get a massive dick implant, then drive around town with your donger hanging over the car door for everyone to see..
Buffett would agree, I'm sure of it.