I owe $8,000 on it, and I Soon. According to Dave Ramsey, most Americans take out a car loan to buy a car. Dave Ramsey is a seven-time No. 10. Dave Ramsey answers a question about paying off the car and keeping an emergency fund. He tells the listener that a $400 a month lease payment for 60 months costs you $24,000. The borrower truly is slave to the lender.. If you make it a habit to always buy an asset that can pay for your liability, you dont have to work hard to Home; Authors; Topics; About; Contact; Policy; Home Dave Ramsey Car Payment Quotes. Our combined income is about $110,000 a year, but we have $70,000 in loans on two cars, plus A lifelong enthusiast and Dave Ramsey Dear Dave : My wife and I are in our late 20s, and we have two kids. Daves quick answer: It shouldnt be more than half of his annual salary. Fun can be bought with money, but Cash is king.. Dr. John Delony is a national bestselling author, mental health and wellness expert and host of The Dr. John Delony Show. 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