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Americans with six-figure incomes are in 'survival mode'
(www.usatoday.com)
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And that’s basically it!
You should have read the rest, the car is paid off. You can do that if you are responsible with your money. That new car that I bought in 2019 was because I was driving 40k miles per year for work at the time and I needed something reliable after my last car started showing its age and left me stranded a couple times. It had 175k miles on it when I sold it after having 3 water pumps, 2 thermostats, 4 high pressure fuel pumps, a radiator, several cooling hoses, an oil cooler, and a clutch replaced, all done myself. The mid 2000s minis were not reliable cars out of warranty.