{"id":41010,"date":"2022-06-02T03:33:14","date_gmt":"2022-06-02T03:33:14","guid":{"rendered":" https:\/\/dev.way.com\/blog\/?p=41010"},"modified":"2022-06-02T10:39:48","modified_gmt":"2022-06-02T10:39:48","slug":"20-4-10-rule-to-escape-from-debt-trap","status":"publish","type":"post","link":"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/","title":{"rendered":"What is the 20\/4\/10 Rule of Thumb for Car Buying?"},"content":{"rendered":"<p style=\"text-align: center;\"><em>Looking to buy a new car but want to avoid getting into deep debt? The 20\/4\/10 rule of car buying is a nifty formula to help you decide which car to buy and for what price.\u00a0<\/em><\/p>\n<p style=\"text-align: justify;\"><em>&#8220;I guess a few hundred dollars more for these features won&#8217;t matter&#8230;&#8221;<\/em> is essentially all of us after being suckered into buying a pricier car than what we first considered! It&#8217;s easy to overshoot your budget when buying a car &#8211; and that&#8217;s where the 20\/4\/10 rule comes in handy. Using it, you can ensure that the car you buy (and the car loan you take) does not end up with expensive payments or high-interest charges.<\/p>\n<blockquote><p><em><strong>TL;DR:<\/strong> When buying a car, always try to make a 20% down payment, with a car loan term not more than 4 years, and spend no more than 10% of your monthly income on transportation (including loan payments, insurance, gas, maintenance, etc.)<\/em><\/p><\/blockquote>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #e71346;color:#e71346\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #e71346;color:#e71346\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#What_is_the_20410_rule_for_buying_a_car\" >What is the 20\/4\/10 rule for buying a car?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#Why_should_you_follow_the_20410_rule_when_buying_a_car\" >Why should you follow the 20\/4\/10 rule when buying a car?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#Minimum_down_payment_of_20\" >Minimum down payment of 20%<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#Ideal_loan_term_of_4_years\" >Ideal loan term of 4 years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#Transportation_costs_capped_at_10_of_your_income\" >Transportation costs capped at 10% of your income\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#What_happens_if_you_dont_use_the_20410_rule_of_thumb\" >What happens if you don&#8217;t use the 20\/4\/10 rule of thumb?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#When_is_the_20410_rule_not_applicable\" >When is the 20\/4\/10 rule not applicable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#Is_the_20410_rule_flexible\" >Is the 20\/4\/10 rule flexible?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#What_is_the_20410_rule_for_how_much_to_spend_on_a_car_loan\" >What is the 20\/4\/10 rule for how much to spend on a car loan?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#What_is_the_20_in_the_20410_rule_for_car_buying\" >What is the 20 in the 20\/4\/10 rule for car buying?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#204010_rule_what_does_the_4_stand_for\" >20\/40\/10 rule: what does the 4 stand for?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/#20410_rule_what_does_the_10_stand_for\" >20\/4\/10 rule: what does the 10 stand for?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_20410_rule_for_buying_a_car\"><\/span>What is the 20\/4\/10 rule for buying a car?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">The 20\/4\/10 rule is a useful formula to find whether your desired car will fit in your budget without causing you to end up in debt. According to it:<\/p>\n<ul style=\"text-align: justify;\">\n<li>The<strong> minimum down payment<\/strong> you should make on the car should be <strong>20%<\/strong><\/li>\n<li>The<strong> ideal car loan term<\/strong> to choose should not be more than<strong> 4 years<\/strong><\/li>\n<li>You should not spend more than <strong>10%<\/strong> <strong>of your monthly income<\/strong> on <strong>monthly<\/strong> <strong>transportation costs\u00a0<\/strong>(including auto loan payments, gas, insurance, maintenance costs, etc.)<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Typically, sticking to this rule will ensure that your car expenses will not overshoot the budget. When calculating the transportation costs, you can choose either your gross monthly income or net monthly income.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/05\/Depositphotos_78020548_XL-min-scaled.jpg\" alt=\"20\/4\/10 Rule\" width=\"695\" height=\"398\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_should_you_follow_the_20410_rule_when_buying_a_car\"><\/span>Why should you follow the 20\/4\/10 rule when buying a car?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">According to the data website ConsumerReports, nearly <a href=\"https:\/\/www.consumerreports.org\/car-financing\/many-americans-overpay-for-car-loans-a8076436935\/#:~:text=About%2043%2C000%2C%20or%205%20percent,about%2090%20days%20past%20due.\" target=\"_blank\" rel=\"noopener\">5% of all auto loans in the country were 90 days past due<\/a>. That means that thousands of Americans have taken auto loans that they were unable to repay and are on the brink of default and vehicle repossession! This indicates a lack of financial discipline when buying a car, and an overestimation of their ability to repay loans.<\/p>\n<p style=\"text-align: justify;\">The 20\/4\/10 rule is simple enough for the layperson to understand. The logical reasons to follow it when buying a car are as follows:<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Minimum_down_payment_of_20\"><\/span><strong>Minimum down payment of 20%<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Making a down payment seems like a costly measure at the outset. However, the more you borrow, the more will be your interest charges every month. This is compounded by the fact that your car&#8217;s value will depreciate by 20% in the first year itself! If you&#8217;re not careful, you could end up <a href=\" https:\/\/dev.way.com\/blog\/upside-down-car-loan\/\" target=\"_blank\" rel=\"noopener\">&#8220;underwater&#8221; on the loan<\/a> &#8211; owing more than what the car is worth!<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Ideal_loan_term_of_4_years\"><\/span><strong>Ideal loan term of 4 years<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">According to the 20\/4\/10 rule, 4 years is an optimum term. While longer loan terms can get you lower monthly payments, you could end up paying more interest in the long run. For example, with 72-84 month terms, the interest starts to accumulate while depreciation continues to erode your car&#8217;s value. If you don&#8217;t strike a balance between the two, you could again end up underwater on the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Transportation_costs_capped_at_10_of_your_income\"><\/span><strong>Transportation costs capped at 10% of your income\u00a0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Purchasing a car is only the first step! Between rising gas prices, high monthly loan payments, insurance charges, and spiraling maintenance costs, American families have been paying a <a href=\"https:\/\/www.fool.com\/the-ascent\/personal-finance\/articles\/you-wont-believe-how-much-the-average-american-family-spends-on-transportation\/#:~:text=The%20average%20American%20family%20spends%20%24819%20per%20month%20on%20transportation,much%20time%20you%20spend%20driving.\" target=\"_blank\" rel=\"noopener\">whopping $820 every month on transportation<\/a>. The 20\/4\/10 rule specifies that you should ideally limit transport expenses to 10% of your gross income (i.e., income before taxes and other deductions). But is that even possible these days?<\/p>\n<p>One solution is to sign up for a car services subscription that helps you save money by bundling several auto services together. For example,a <a href=\"https:\/\/www.way.com\/way-plus\" target=\"_blank\" rel=\"noopener\">Way+<\/a> subscription can help you save on everything from <a href=\"https:\/\/www.way.com\/insurance\" target=\"_blank\" rel=\"noopener\">auto insurance,<\/a> <a href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\">refinance<\/a>,<a href=\"https:\/\/www.way.com\/parking\" target=\"_blank\" rel=\"noopener\"> parking<\/a>, and <a href=\"https:\/\/www.way.com\/gas\" target=\"_blank\" rel=\"noopener\">gas<\/a>.<\/p>\n<div class=\"wp-core-block block-heading\">\n<div class=\"container\"><a href=\"https:\/\/www.way.com\/way-plus\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2021\/08\/1148169_BlogAdBanner_Opt8_970x90px_V01_080921.jpg\" alt=\"What is the 20\/4\/10 rule for buying a car?\" width=\"970\" height=\"90\" \/><\/a><\/div>\n<\/div>\n<div class=\"wp-core-block block-paragraph\">\n<h2 class=\"container\"><span class=\"ez-toc-section\" id=\"What_happens_if_you_dont_use_the_20410_rule_of_thumb\"><\/span><span data-contrast=\"none\">What happens if you don&#8217;t use the 20\/4\/10 rule of thumb?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<div class=\"wp-core-block block-paragraph\">\n<div class=\"container\">\n<p><span data-contrast=\"auto\">Let&#8217;s see how the 20\/4\/10 rule works practically.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Consider John Doe, a potential car buyer, who has an annual salary of $48,000 &#8211; or $4000\/month. According to the 20\/4\/10 rule, if John wants to buy a car for $40,000, his ideal car expenses to prevent going &#8220;underwater&#8221; are:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">A down payment of $8000\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">A 4-year loan term<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Total transportation costs should be within $400<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>Unless he can fulfill these conditions (with slight changes based on his credit score), he will find that the car depreciates faster than his ability to pay back the loan.<\/p>\n<\/div>\n<\/div>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-41265\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/06\/loan.jpg\" alt=\"What is the 20\/4\/10 rule for car buying\" width=\"870\" height=\"581\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/loan.jpg 870w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/loan-300x200.jpg 300w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/loan-768x513.jpg 768w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/06\/loan-600x400.jpg 600w\" sizes=\"auto, (max-width: 870px) 100vw, 870px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"When_is_the_20410_rule_not_applicable\"><\/span>When is the 20\/4\/10 rule <em>not<\/em> applicable?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">While it sounds good to hear, the 20\/4\/10 rule of buying a car may not hold up in all situations.<\/p>\n<p style=\"text-align: justify;\">For example, the prices of both new and used cars have been rising in the past year, with no signs of moderation in the near future. Gas prices have been averaging more than <a href=\" https:\/\/dev.way.com\/blog\/most-expensive-and-cheapest-gas-prices-in-us\/\" target=\"_blank\" rel=\"noopener\">$4 per gallon,<\/a> while car loan payments have also<a href=\" https:\/\/dev.way.com\/blog\/average-monthly-auto-loan-payments\/\" target=\"_blank\" rel=\"noopener\"> crossed $600\/month<\/a>. With wages failing to keep up with price rises in the economy, you may have to make compromises on this rule.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Is_the_20410_rule_flexible\"><\/span>Is the 20\/4\/10 rule flexible?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"text-align: justify;\">You can pay a 20% down payment if you reduce your spending on housing\/personal loans by a certain amount<\/li>\n<li style=\"text-align: justify;\">You can also extend the loan term to 5-6 years if you want to prioritize low monthly payments<\/li>\n<li style=\"text-align: justify;\">Instead of buying a new car, you can buy a used car that only needs a reduced downpayment and costs less to pay off<\/li>\n<li style=\"text-align: justify;\">Saving on car services with an all-in-one auto app like <a href=\"https:\/\/www.way.com\/\" target=\"_blank\" rel=\"noopener\">Way.com<\/a> can also help keep your overall transportation costs to 10-15%<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">The 20\/4\/10 rule is merely a guideline that can help you distinguish between excellent and terrible financial decisions when buying a car. There is always a bit of legroom you can use, so exercise your judgment when you&#8217;re car shopping.<\/p>\n<h2>Frequently Asked Questions (FAQ)<\/h2>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_20410_rule_for_how_much_to_spend_on_a_car_loan\"><\/span><span data-contrast=\"auto\">What is the 20\/4\/10 rule for how much to spend on a car loan?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 20\/4\/10 rule dictates that to prevent yourself from ending up in a bad car loan, you should:<\/p>\n<ul>\n<li>Make a 20% down payment at the start of the loan<\/li>\n<li>Have a loan term not longer than 4 years<\/li>\n<li>Keep your transportation costs to within 10% of your gross income<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"What_is_the_20_in_the_20410_rule_for_car_buying\"><\/span><span data-contrast=\"auto\">What is the 20 in the 20\/4\/10 rule for car buying?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 20 in the 20\/4\/10 rule stands for the 20% minimum down payment you are recommended to pay when buying a car.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"204010_rule_what_does_the_4_stand_for\"><\/span>20\/40\/10 rule: what does the 4 stand for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 4 in the 20\/4\/10 rule stands for the recommended length of the loan term: 4 years.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"20410_rule_what_does_the_10_stand_for\"><\/span>20\/4\/10 rule: what does the 10 stand for?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The 10 in the 20\/4\/10 rule stands for the recommended upper limit for transportation costs per person. Ideally, it should be within 10% of a person&#8217;s monthly income.<\/p>\n<p><a href=\"http:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-41011\" src=\"https:\/\/blog.way.com\/wp-content\/uploads\/2022\/05\/MicrosoftTeams-image.png\" alt=\"What is the 20\/4\/10 rule for buying a car\" width=\"828\" height=\"307\" srcset=\"http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/MicrosoftTeams-image.png 744w, http:\/\/wordwblog02.way.com\/wp-content\/uploads\/2022\/05\/MicrosoftTeams-image-300x111.png 300w\" sizes=\"auto, (max-width: 828px) 100vw, 828px\" \/><\/a><\/p>\n<hr \/>\n<p style=\"text-align: center;\"><em><span data-preserver-spaces=\"true\">Here&#8217;s more info on\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/airport-parking\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">top-rated airport parking<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">,\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/cities\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">the best parking spots in your city<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, affordable\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/auto-insurance\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">auto insurance<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, easy\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/auto-refinance\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">auto refinance<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">, and\u00a0<\/span><\/em><a class=\"editor-rtfLink\" href=\"https:\/\/www.way.com\/car-wash-near-me\" target=\"_blank\" rel=\"noopener\"><em><span data-preserver-spaces=\"true\">high-quality car washes near you<\/span><\/em><\/a><em><span data-preserver-spaces=\"true\">.\u00a0<\/span><\/em><\/p>\n<hr \/>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Looking to buy a new car but want to avoid getting into deep debt? The 20\/4\/10 rule of car buying is a nifty formula to help you decide which car to buy and for what price.\u00a0 &#8220;I guess a few hundred dollars more for these features won&#8217;t matter&#8230;&#8221; is essentially all of us after being&hellip; <a class=\"more-link\" href=\"https:\/\/dev.way.com\/journal\/20-4-10-rule-to-escape-from-debt-trap\/\">Continue reading <span class=\"screen-reader-text\">What is the 20\/4\/10 Rule of Thumb for Car Buying?<\/span><\/a><\/p>\n","protected":false},"author":46,"featured_media":41240,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1962,1855,2421],"tags":[5843,5835,5836,5837,5838,5839,5840,5841,5842],"class_list":["post-41010","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-refinance","category-finance","category-tips-for-car-owners","tag-car-buying-rule-20-4-10","tag-20-4-10-rule-of-thumb-for-car-buying","tag-20-4-10-rule-for-a-car","tag-car-buying-rule","tag-rule-of-thumb-for-buying-a-car","tag-rule-of-thumb-for-down-payment-on-a-car","tag-4-10-20","tag-car-loan-rule","tag-car-loan-rules","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.3 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>20\/4\/10 Rule of Car Buying [Avoid Auto Debt with this Formula]<\/title>\n<meta name=\"description\" content=\"Looking to buy a new car but want to avoid getting into deep debt? 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