I work 40 hours mon-fri making $14/hour, plus 10 hours of overtime at time and a half. Plus on wknds i cater for a restaurant making roughly 2-300 a day depending on the event. At a minimum i make $4000/month before taxes, which is what they look at. So why do i always walk out of the dealership driving my beat up, 13 year old truck. My credit is in the mid 700s. Just yesterday i tried getting a 2012 ford f150, price was 20,990. But like usual, i drove home in my old truck leaving that one behind. I can't even get a newer used vehicle, much less a brand new one. How do i see so many brand new vehicles being driven. I doubt EVERYONE i see with a new vehicle makes more then i do, so what am i doing wrong