Same here $0...my wife and I made an agreement before we got married that we would not have car payments. If we are looking for a new car, we save, save, save until we can pay cash for it. We do not have kids, so we typically buy vehicles based on performance, style and practicality instead of reliability, crash worthiness, fuel economy etc... We recognize that this works for us, but doesn't work for everyone.
Now, the student loan payments...that is a different situation.
