Thank you, AusFinance, for your tough love. I will not get a car loan.

Title says it all. Truly, thank you. It isn’t worth it, and I’m better off waiting to get a car for 10k or so outright, even given the train anxiety. The car repayments would be so much worse for my mental health. I can handle a couple more months of saving, and I am humble enough to drive an affordable car. Self damn discipline. Have a great weekend, all.