Originally Posted by sanf
so being able to afford means buying it with cash while still having $ left over?
able to make payments = yeah, i can make a $450-500 payment, but my bank salary will not allow me to save money due to all of my other expenses, combined with a non-working pregnant wife.
affording a car = yeah, i can make the $450-500 payment because it's a drop in the hat of the overall money i make a month.
so yes, the OP is "able to make payments", but odds are he is living paycheck to paycheck and is barely getting by.