I know this headline sounds like a cheap infomercial, but this is actually real. Dave Ramsey’s Financial Peace University has put out a video explaining how you can “pay yourself” for your car payments.
Essentially, he advocates buying a cheap car to start with, even though you can afford car payments. Then you save those car payments for a couple years and upgrade to a middle priced used car. After doing so, you will continue to save car payments. Within the life of a normal loan, you will have tens of thousands saved up for a great car in the future.