A Simple Checklist: How to Know If You Can Actually Afford a New Car.

Underlying Question: The user is looking for reassurance about a big car purchase, but the real question on their mind is, "Can I actually afford this?" It's a common concern for anyone in the market for a new set of wheels.

Audience: Anyone thinking about buying a new or used car.

Content Idea: The content should be a straightforward checklist that goes beyond just the monthly payment. It should cover the 'Total Cost of Ownership,' including insurance, maintenance, gas, and taxes. Introduce a handy rule of thumb like the '20/4/10 rule'—putting 20% down, taking a max 4-year loan, and keeping total car costs under 10% of your gross income. Also, explain how credit scores can affect the overall cost.