system
A chat on subreddit /r/wallstreetbets
human
Considering 30% of Americans have less than $400 in their bank.  An most Americans will not accumulate over $300k in retirement by 65…

Most buy a car with a payment that is 8% - 30% of their pay. A lot of responses here are prudent. Follow their advice if you wanna be in the top 5%
gpt
The cheapest of cars are currently $20k plus. To be outside your range, your after tax income would have to be 250k+.

You wouldn’t be in the top 5%, you’d be in the top 0.5%