Also when you've made the mental leap of thinking about available money thinking about cashflow in borrowing massive amounts of money from the bank to buy a house, a monthly payment for a car doesn't seem such a stretch.
IMO the questions around how one finances a car is a deeply complex decision (especially with EVs) generally taken in about 5 minutes. The spreadsheets go out the window if you like the red one.
Also when you've made the mental leap of thinking about available money thinking about cashflow in borrowing massive amounts of money from the bank to buy a house, a monthly payment for a car doesn't seem such a stretch.