I haven't read all the responses so this may be a repeat, but...you'll never clear more than 75% of your salary after taxes, especially single with no itemized deductions. In many places you'll be taxed more than 25% when you factor in federal, state, local and SSAN.
I'd rather put money into something that grows other than a $500 car payment...save that for later. Get something used or less expensive. You've got plenty of time to make changes. Find out what life is really like before you make big committments!
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If you're wringing your hands you can't roll up your shirt sleeves.
Stangers have the best candy.
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