Originally Posted by RhythmDoctor
Yes I am different.
... You just need to save up ahead of time.
And the amount you saved was what you had left over after your monthly obligations- taxes, mortgage, utilities. So you saved, monthly, to buy your car. It was still determined by your monthly budget, you just reversed the order- you made the payments, to yourself, before you bought the car, rather than buying the car and making the payments to the bank after.
So you're not different, just more responsible.