It can be easy to fall into a trap of getting a car on finance with a high monthly cost making it difficult to save anything each monthbr br The 20410 rule provides a guideline on the monthly car payment that can be afforded at each income levelbr br Watch my latest video on my YouTube channel to see a break down of the 4 main ways to purchase a car (PCP, Lease, Finance, Buy outright) and an evaluation on which one is actually the cheapest option in the long run.