
Musk caused US long-term damage. A citizen should never have this much power.
Musk caused US long-term damage. A citizen should never have this much power. | Your Turn In recent memory, no one has upended the US federal government as much as Elon Musk. USA TODAY Forum participants shared their reactions to his four-month tour below.
In recent memory, no one has upended the U.S. federal government as much as Elon Musk. The billionaire owner of Tesla, SpaceX and X – formerly Twitter – brought with him a whirlwind of layoffs, agency cuts and lawsuits in the early months of the second Trump administration.
But as a special government employee, Musk's 130-day tenure is up later in May. Already he's been preparing for this transition by slinking quietly back into the shadows. His previous flurry of bold statements and social media spin quieting as talks turn to trouble at Tesla – in both the boardroom and showroom floor.
Since Jan. 20, Musk has held much of our collective focus – at times more than President Donald Trump himself. What have he and the Department of Government Efficiency actually accomplished? And with his role in government diminishing, do you actually expect Musk to fade away? We posed these questions and more to USA TODAY readers for our latest installment of Forum, and responses poured in from across the country. Read a collection from across the political spectrum below, and visit usatoday.com/forum to participate in our next conversation.
Share your opinion: Do your kids know who Trump is? Do you talk about politics at home? Tell us. | Opinion Forum
Overhaul the federal workforce? Sure. But this is asinine!
I do not like or support Elon Musk or his actions through the Department of Government Efficiency. I think there was cause to overhaul the federal workforce, but to terminate people without due process or proper consideration of whether their work might actually be important was asinine. It will have long-term negative effects on the working of the federal government.
I'm not comfortable at all with a private citizen having this much power and influence in our government, regardless of who the president is. If I could ask Musk one question, it would be, do you ever consider the negative impact you are having on the lives of people you haven't even met?
— Paul Bradshaw, Stuart, Florida
Elon Musk provided transparency Americans crave
Musk has provided the transparency the American people have craved but have been kept from. And we now cannot go back. The American people demand it. Government books should be available online.
I think Musk's work will have long-term implications. No more backdoor behind-the-scenes stuff. It has been evident that the government has been used as a slush fund. Interesting where the wasteful money is being spent. The news media should cover that more.
Having one of the most intelligent and out-of-the-box thinkers on the planet on your side is a good thing right? Musk should stay on in some capacity. The folks who don't know how to run a business or the country have been in charge too long. We need fresh eyes on government.
Your Turn: Trump is doing an amazing job. America needed an overhaul. | Opinion Forum
Musk's work with the Trump administration has changed my opinion of him for the better! You have a man who has volunteered his time – away from his many important projects – to help us. He has used SpaceX to rescue astronauts in space. Come on! The guy rocks! Quirky? Sure! But who cares! It's part of his charm!
I'm fine with the power he's had in the government because it is transparent! He is being authorized and works under the president. He is not a rogue actor like the news media says. He is showing where our money is being spent!
If I could ask him one question it would be, can you show us a way to completely modernize and bring our federal agencies up to present day technological capabilities? Can you orchestrate a new coordinated government technology system?
— Lorraine Michaud, Mashpee, Massachusetts
Musk is using DOGE to enrich himself
I think Musk and DOGE are stealing personal information for private profit. I think Musk is illegally self-dealing on government contracts.
Unfortunately, DOGE's actions will lead to many dangerous outcomes, including: theft of individuals' data; self-dealing contracts; future self-dealing, profiteering by Musk; profiling for future prosecution of people who disagree with Trump policies; overreach by other governmental agencies; or use by foreign governments.
Your Turn: I voted for Trump, but I can't bring myself to support anything he's done | Opinion Forum
I do not want Musk to continue to work with the Trump administration. He should be deported to South Africa. His most recent work with the administration has not changed my opinion of him. I've always thought that Musk is a criminal. I am extremely uncomfortable with a private citizen having this much power and influence in our government.
If I could ask him one question, it would be: How much personal information of taxpayers do you have and how are you using it?
— Gay Chung, San Francisco
I look forward to Musk doing more with government
I think Musk and DOGE have helped the United States shrink our federal government, and I look forward to him doing more. DOGE isn't for show. I think there are short-term gains and potential for long-term ones. I'd like to see Musk continue his work with Trump.
Musk's work in government has changed my opinion of him for the better. His companies, including Tesla, SpaceX and X (formerly Twitter), are amazing examples of how brilliant he is.
I'm good with the power he has in government since he's appointed.
— Raymond Boudreaux, Warrenville, South Carolina
DOGE is part of a Republican plan to break the system
I do not think Musk and DOGE have helped our federal government. He has done major damage that will cost far more than he saved. What he removed will probably be reinstated by the next administration, costing even more!
DOGE is all for show and has caused long-term damage. It's part of the Republicans' plan to make the system not work so they can blame it then try to eliminate it.
I never cared for Musk, but now I think all government contracts he receives should be terminated and Space X should be taken over by the government for national security reasons.
I am not at all comfortable with a private citizen having this much power.
— Sam House, Cokato, Minnesota
Hashtags

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles


Hamilton Spectator
12 minutes ago
- Hamilton Spectator
Democratic governors will defend immigration policies before Republican-led House panel
WASHINGTON (AP) — As President Donald Trump spars with California's governor over immigration enforcement, Republicans in Congress are calling other Democratic governors to the Capitol on Thursday to question them over policies limiting cooperation with federal immigration authorities. The House Committee on Oversight and Government Reform posted a video ahead of the hearing highlighting crimes allegedly committed by immigrants in the U.S. illegally and pledging that 'sanctuary state governors will answer to the American people.' The hearing is to include testimony from Govs. JB Pritzker of Illinois, Tim Walz of Minnesota and Kathy Hochul of New York. There's no legal definition of a sanctuary jurisdiction , but the term generally refers to governments with policies limiting cooperation with federal immigration authorities. Courts previously have upheld the legality of such laws. But Trump's administration has sued Colorado, Illinois, New York and several cities — including Chicago and Rochester, New York — asserting their policies violate the U.S. Constitution or federal law. Illinois, Minnesota and New York also were among 14 states and hundreds of cities and counties recently listed by the Department of Homeland Security as 'sanctuary jurisdictions defying federal immigration law.' The list later was removed from the department's website after criticism that it errantly included some local governments that support Trump's immigration policies. As Trump steps up immigration enforcement, some Democratic-led states have intensified their resistance by strengthening state laws restricting cooperation with immigration agents. Following clashes between crowds of protesters and immigration agents in Los Angeles, Trump deployed the National Guard to protect federal buildings and agents, and California Gov. Gavin Newsom accused Trump of declaring 'a war' on the underpinnings of American democracy. The House Oversight Committee has long been a partisan battleground, and in recent months it has turned its focus to immigration policy. Thursday's hearing follows a similar one in March in which the Republican-led committee questioned the Democratic mayors of Chicago, Boston, Denver and New York about sanctuary policies. Heavily Democratic Chicago has been a sanctuary city for decades. In 2017, then-Illinois Gov. Bruce Rauner, a Republican, signed legislation creating statewide protections for immigrants. The Illinois Trust Act prohibits police from searching, arresting or detaining people solely because of their immigration status. But it allows local authorities to hold people for federal immigration authorities if there's a valid criminal warrant. Pritzker, who succeeded Rauner in 2019, said in remarks prepared for the House committee that violent criminals 'have no place on our streets, and if they are undocumented, I want them out of Illinois and out of our country.' 'But we will not divert our limited resources and officers to do the job of the federal government when it is not in the best interest of our state, our local communities, or the safety of our residents,' he said. Pritzker has been among Trump's most outspoken opponents and is considered a potential 2028 presidential candidate. He said Illinois has provided shelter and services to more than 50,000 immigrants who were sent there from other states. A Department of Justice lawsuit against New York challenges a 2019 law that allows immigrants illegally in the U.S. to receive New York driver's licenses and shields driver's license data from federal immigration authorities. That built upon a 2017 executive order by then-Gov. Andrew Cuomo that prohibited New York officials from inquiring about or disclosing a person's immigration status to federal authorities, unless required by law. Hochul's office said law enforcement officers still can cooperate with federal immigration authorities when people are convicted of or under investigation for crimes. Since Hochul took office in 2021, her office said, the state has transferred more than 1,300 incarcerated noncitizens to U.S. Immigration and Customs Enforcement at the completion of their state sentences. Minnesota doesn't have a statewide sanctuary law protecting immigrants in the U.S. illegally, though Minneapolis and St. Paul both restrict the extent to which police and city employees can cooperate with immigration enforcement. Some laws signed by Walz have secured benefits for people regardless of immigration status. But at least one of those is getting rolled back. The Minnesota Legislature, meeting in a special session , passed legislation Monday to repeal a 2023 law that allowed adults in the U.S. illegally to be covered under a state-run health care program for the working poor. Walz insisted on maintaining eligibility for children who aren't in the country legally, ___ Lieb reported from Jefferson City, Mo. Also contributing were Associated Press writers Anthony Izaguirre in Albany, N.Y.; Steve Karnowski in St. Paul, Minn.; and Sophia Tareen in Chicago. Error! Sorry, there was an error processing your request. There was a problem with the recaptcha. Please try again. You may unsubscribe at any time. By signing up, you agree to our terms of use and privacy policy . This site is protected by reCAPTCHA and the Google privacy policy and terms of service apply. Want more of the latest from us? Sign up for more at our newsletter page .
Yahoo
13 minutes ago
- Yahoo
The Cost of Living Comfortably in America's 50 Largest Cities
Homeowners in 10 of the nation's largest cities need to earn at least $191,000 annually to enjoy a comfortable lifestyle. While nine of these cities are based on the West Coast and the Hawaii-Pacific Islands — not unusual given each region's high cost of living — Americans might not be able to guess which East Coast city requires making more than $217,000 to live comfortably. Discover More: Check Out: To determine the income needed to live comfortably in America's 50 largest cities, GOBankingRates identified the 100 largest U.S. cities by their total population, households and household median income. We kept the top 50 cities for this article with comfortable incomes calculated for homeowners and renters in each city. The average mortgage was calculated using the average home value, assuming a 10% down payment and using the most recent national average 30-year fixed mortgage rate. For renters, the total cost of living was calculated using the average rental cost and average expenditure cost. Using the 50/30/20 finance rule, the total cost of living was doubled to determine the income needed to live comfortably for a homeowner and renter. Irvine, California, ranked first place for the highest comfortable income for homeowners ($326,645) and renters ($130,943) in the nation. The Southern California city's median household income is $129,647, which needs to be more than double the amount for homeowners to live comfortably. Nine of the top 10 cities with the highest comfortable incomes for homeowners are based on the West Coast and the Hawaii-Pacific Islands with one on the East Coast. Irvine aside, these remaining nine include Fremont, California (#2), San Jose, California (#3), San Francisco (#4), Honolulu (#5), San Diego (#6), Arlington, Virginia (#7), Los Angeles (#8), Anaheim, California (#9) and Seattle, Washington (#10). California swept the top 50, with 15 cities where homeowners and renters need to earn six figures for a comfortable lifestyle. These cities include Irvine (#1), Fremont (#2), San Jose (#3), San Francisco (#4), San Diego (#6), Los Angeles (#8), Anaheim (#9), Long Beach (#12), Chula Vista (#14), Santa Ana (#15), Santa Clarita (#17), Oakland (#18), Riverside (#22), Sacramento (#31) and Stockton (#38). None of the top 50 cities had a median household income higher than the comfortable income needed for homeowners. However, 10 cities have median household incomes that are higher than the comfortable incomes needed for renters. They include Fremont (#2), San Jose (#3), Arlington (#7), Scottsdale, Arizona (#13), Gilbert, Arizona (#24), Portland, Oregon (#25), Austin, Texas (#28), Chandler, Arizona (#29), Plano, Texas (#32) and Anchorage, Alaska (#34). In order of highest comfortable income needed for a homeowner, here's what it costs to live comfortably in America's 50 largest cities. Find Out: View Next: Comfortable income needed for homeowners: $326,645 Comfortable income needed for renters: $130,943 Household median income: $129,647 Monthly mortgage cost: $11,461 Monthly rent cost: $3,306 Be Aware: Comfortable income needed for homeowners: $304,047 Comfortable income needed for renters: $129,981 Household median income: $176,350 Monthly mortgage cost: $10,290 Monthly rent cost: $3,038 Comfortable income needed for homeowners: $294,384 Comfortable income needed for renters: $137,427 Household median income: $141,565 Monthly mortgage cost: $9,790 Monthly rent cost: $3,250 Comfortable income needed for homeowners: $269,118 Comfortable income needed for renters: $145,399 Household median income: $141,446 Monthly mortgage cost: $8,638 Monthly rent cost: $3,483 Comfortable income needed for homeowners: $245,515 Comfortable income needed for renters: $128,131 Household median income: $85,428 Monthly mortgage cost: $7,527 Monthly rent cost: $2,636 Comfortable income needed for homeowners: $221,177 Comfortable income needed for renters: $127,425 Household median income: $104,321 Monthly mortgage cost: $7,003 Monthly rent cost: $3,096 Explore Next: Comfortable income needed for homeowners: $217,567 Comfortable income needed for renters: $118,896 Household median income: $140,160 Monthly mortgage cost: $6,777 Monthly rent cost: $2,665 Comfortable income needed for homeowners: $207,481 Comfortable income needed for renters: $125,385 Household median income: $80,366 Monthly mortgage cost: $6,264 Monthly rent cost: $2,844 Comfortable income needed for homeowners: $191,853 Comfortable income needed for renters: $117,897 Household median income: $90,583 Monthly mortgage cost: $5,826 Monthly rent cost: $2,744 Comfortable income needed for homeowners: $191,588 Comfortable income needed for renters: $105,801 Household median income: $121,984 Monthly mortgage cost: $5,819 Monthly rent cost: $2,244 Comfortable income needed for homeowners: $190,584 Comfortable income needed for renters: $159,715 Household median income: $79,713 Monthly mortgage cost: $4,996 Monthly rent cost: $3,710 Try This: Comfortable income needed for homeowners: $189,107 Comfortable income needed for renters: $112,417 Household median income: $83,969 Monthly mortgage cost: $5,554 Monthly rent cost: $2,359 Comfortable income needed for homeowners: $186,055 Comfortable income needed for renters: $103,750 Household median income: $107,372 Monthly mortgage cost: $5,662 Monthly rent cost: $2,233 Comfortable income needed for homeowners: $183,107 Comfortable income needed for renters: $129,258 Household median income: $105,173 Monthly mortgage cost: $5,383 Monthly rent cost: $3,139 Comfortable income needed for homeowners: $182,499 Comfortable income needed for renters: $120,046 Household median income: $88,354 Monthly mortgage cost: $5,466 Monthly rent cost: $2,864 Comfortable income needed for homeowners: $181,360 Comfortable income needed for renters: $135,522 Household median income: $94,755 Monthly mortgage cost: $5,210 Monthly rent cost: $3,300 Read More: Comfortable income needed for homeowners: $176,330 Comfortable income needed for renters: $120,771 Household median income: $119,926 Monthly mortgage cost: $5,144 Monthly rent cost: $2,829 Comfortable income needed for homeowners: $176,119 Comfortable income needed for renters: $116,308 Household median income: $97,369 Monthly mortgage cost: $4,987 Monthly rent cost: $2,495 Comfortable income needed for homeowners: $168,419 Comfortable income needed for renters: $118,491 Household median income: $106,287 Monthly mortgage cost: $4,632 Monthly rent cost: $2,552 Comfortable income needed for homeowners: $154,028 Comfortable income needed for renters: $136,112 Household median income: $94,813 Monthly mortgage cost: $3,982 Monthly rent cost: $3,236 Comfortable income needed for homeowners: $151,340 Comfortable income needed for renters: $130,580 Household median income: $59,390 Monthly mortgage cost: $3,976 Monthly rent cost: $3,111 Trending Now: Comfortable income needed for homeowners: $149,396 Comfortable income needed for renters: $113,746 Household median income: $88,575 Monthly mortgage cost: $3,955 Monthly rent cost: $2,469 Comfortable income needed for homeowners: $137,113 Comfortable income needed for renters: $96,448 Household median income: $91,681 Monthly mortgage cost: $3,615 Monthly rent cost: $1,920 Comfortable income needed for homeowners: $134,227 Comfortable income needed for renters: $102,174 Household median income: $121,351 Monthly mortgage cost: $3,483 Monthly rent cost: $2,147 Comfortable income needed for homeowners: $132,502 Comfortable income needed for renters: $93,730 Household median income: $88,792 Monthly mortgage cost: $3,379 Monthly rent cost: $1,763 Comfortable income needed for homeowners: $130,771 Comfortable income needed for renters: $94,008 Household median income: $78,448 Monthly mortgage cost: $3,459 Monthly rent cost: $1,927 See Next: Comfortable income needed for homeowners: $130,307 Comfortable income needed for renters: $111,497 Household median income: $48,416 Monthly mortgage cost: $2,999 Monthly rent cost: $2,215 Comfortable income needed for homeowners: $128,812 Comfortable income needed for renters: $88,894 Household median income: $91,461 Monthly mortgage cost: $3,341 Monthly rent cost: $1,678 Comfortable income needed for homeowners: $127,764 Comfortable income needed for renters: $97,589 Household median income: $103,691 Monthly mortgage cost: $3,244 Monthly rent cost: $1,986 Comfortable income needed for homeowners: $125,550 Comfortable income needed for renters: $96,462 Household median income: $88,654 Monthly mortgage cost: $3,066 Monthly rent cost: $1,854 Comfortable income needed for homeowners: $124,467 Comfortable income needed for renters: $105,215 Household median income: $83,753 Monthly mortgage cost: $2,958 Monthly rent cost: $2,156 Find Out: Comfortable income needed for homeowners: $124,171 Comfortable income needed for renters: $90,167 Household median income: $108,649 Monthly mortgage cost: $3,168 Monthly rent cost: $1,751 Comfortable income needed for homeowners: $123,694 Comfortable income needed for renters: $94,530 Household median income: $84,320 Monthly mortgage cost: $3,031 Monthly rent cost: $1,816 Comfortable income needed for homeowners: $119,409 Comfortable income needed for renters: $95,527 Household median income: $98,152 Monthly mortgage cost: $2,592 Monthly rent cost: $1,597 Comfortable income needed for homeowners: $118,378 Comfortable income needed for renters: $95,488 Household median income: $70,723 Monthly mortgage cost: $2,735 Monthly rent cost: $1,781 Comfortable income needed for homeowners: $117,543 Comfortable income needed for renters: $88,743 Household median income: $81,308 Monthly mortgage cost: $3,009 Monthly rent cost: $1,809 Discover Next: Comfortable income needed for homeowners: $117,501 Comfortable income needed for renters: $97,646 Household median income: $81,938 Monthly mortgage cost: $2,720 Monthly rent cost: $1,893 Comfortable income needed for homeowners: $117,041 Comfortable income needed for renters: $102,180 Household median income: $76,851 Monthly mortgage cost: $2,677 Monthly rent cost: $2,057 Comfortable income needed for homeowners: $114,841 Comfortable income needed for renters: $93,989 Household median income: $75,197 Monthly mortgage cost: $2,730 Monthly rent cost: $1,862 Comfortable income needed for homeowners: $114,719 Comfortable income needed for renters: $89,150 Household median income: $78,779 Monthly mortgage cost: $2,704 Monthly rent cost: $1,639 Comfortable income needed for homeowners: $113,262 Comfortable income needed for renters: $89,703 Household median income: $83,198 Monthly mortgage cost: $2,794 Monthly rent cost: $1,812 Learn More: Comfortable income needed for homeowners: $113,051 Comfortable income needed for renters: $84,995 Household median income: $76,983 Monthly mortgage cost: $2,727 Monthly rent cost: $1,558 Comfortable income needed for homeowners: $112,487 Comfortable income needed for renters: $98,106 Household median income: $76,772 Monthly mortgage cost: $2,485 Monthly rent cost: $1,886 Comfortable income needed for homeowners: $111,817 Comfortable income needed for renters: $87,242 Household median income: $82,424 Monthly mortgage cost: $2,692 Monthly rent cost: $1,668 Comfortable income needed for homeowners: $110,665 Comfortable income needed for renters: $89,925 Household median income: $77,041 Monthly mortgage cost: $2,559 Monthly rent cost: $1,695 Comfortable income needed for homeowners: $110,636 Comfortable income needed for renters: $96,478 Household median income: $90,685 Monthly mortgage cost: $2,517 Monthly rent cost: $1,927 That's Interesting: Comfortable income needed for homeowners: $110,620 Comfortable income needed for renters: $97,285 Household median income: $94,189 Monthly mortgage cost: $2,514 Monthly rent cost: $1,959 Comfortable income needed for homeowners: $109,396 Comfortable income needed for renters: $98,885 Household median income: $69,268 Monthly mortgage cost: $2,420 Monthly rent cost: $1,982 Comfortable income needed for homeowners: $108,285 Comfortable income needed for renters: $87,573 Household median income: $70,139 Monthly mortgage cost: $2,504 Monthly rent cost: $1,641 Comfortable income needed for homeowners: $107,297 Comfortable income needed for renters: $104,234 Household median income: $71,302 Monthly mortgage cost: $2,340 Monthly rent cost: $2,213 Methodology: For this study, GOBankingRates analyzed the largest 100 US cities to find the income needed to live comfortably in each location. First, the largest 100 cities were identified along with their total population, total households, and household median income all sourced from the US Census American Community Survey. The cost of living indexes were sourced from Sperling's BestPlaces and include the grocery, healthcare, housing, utilities, transportation and miscellaneous cost of living indexes. Using the cost of living indexes and the national average expenditure costs, as sourced from the Bureau of Labor Statistics Consumer Expenditure Survey, the average expenditure cost for each location can be calculated. The livability index was sourced from AreaVibes for each location and included as supplemental information. The average single family home value was sourced from Zillow Home Value Index for April 2025. Using the average single family home value, assuming a 10% down payment, and using the most recent (5/22/25) national average 30-year fixed mortgage rate, as sourced from the Federal Reserve Economic Data, the average mortgage can be calculated. Using the average mortgage and average expenditure costs, the average total monthly and annual cost of living for a homeowner can be calculated. The average rental cost was sourced from Zillow Observed Rental Index for April 2025 and using the average rent cost as well as the average expenditure cost, the total cost of living for a renter can be calculated. Using the 50/30/20 finance rule that says that needs should not exceed 50% of total household income so taking the total cost of living and doubling it will give the income needed to live comfortably for a homeowner and renter. The cities were sorted to show the highest comfortable income needed for a homeowner. All data was collected on and is up to date as of May 28th, 2025. More From GOBankingRates Mark Cuban Warns of 'Red Rural Recession' -- 4 States That Could Get Hit Hard These 10 Used Cars Will Last Longer Than an Average New Vehicle 10 Unreliable SUVs To Stay Away From Buying This article originally appeared on The Cost of Living Comfortably in America's 50 Largest Cities
Yahoo
14 minutes ago
- Yahoo
Would Dave Ramsey Finance a New Car? 5 Things He Says About Big Auto Purchases
A car is often the second-largest purchase most Americans make, and it can cost them a lot of money. Recent data reveals the average price of a new car is $48,699 in June 2025, according to CarEdge. The average price of a used car is roughly half that at $25,547, per CarEdge. Read Next: Find Out: Either is expensive, but personal finance guru Dave Ramsey is on record about how best to handle such purchases, most notably his strong opposition to financing a new car. Here are five things Ramsey has said to keep in mind when you're in the market for a car. Ramsey regularly preaches to avoid new cars altogether, as they can drag on the finances of most Americans. The reasons are manifold but largely come down to cost and depreciation. 'You don't want too much of your money tied up in things that depreciate (go down in value). And cars, trucks, and things with motors depreciate big time,' Ramsey said in an X post. The average used car is roughly half the cost of a new one, allowing you to put funds toward other responsibilities and goals, which aligns with Ramsey's mentality. Furthermore, new cars lose a significant portion of their value in the first five years of life, up to 60% of their value, according to Carfax. Check Out: The average monthly car payment is $754, according to Edmunds. And roughly 20% of new car buyers have payments exceeding $1,000. Committing to such a payment is a big no-no to Ramsey. 'The best car for you is the car you can afford to pay cash for. You want to own your vehicles, not the other way around,' Ramsey said in another X post. The reason is simple: It may free you up to invest cash for the long term. 'If you paid cash for a reliable, used car and invested that average car payment amount into good mutual funds from age 25 until retirement, you'd have millions in your investments by age 65,' Ramsey added in the tweet. Paying cash for a car seems impossible, but it beats having a burdensome monthly payment that hinders your budget. Budgeting is key to achieving financial goals in Ramsey's mind. Purchasing a car is no different. Having a car-buying budget ensures you purchase something you can afford and, hopefully, avoid a large car payment. 'It all starts with a budget. A budget helps you make sure you're getting a car you can actually afford,' according to an article on the Ramsey Solutions website. A good way to do this is to save money each month in a high-yield savings account to grow until you have the funds necessary to purchase the car you want. It's easy to forget about auto insurance costs when purchasing a new-to-you car. One reason to avoid a pricey new car is it's likely going to cost more to insure than a reliable used car, possibly adding hundreds of dollars more to annual costs. 'The truth is, new cars cost more to repair or replace — so they cost more to insure (especially if they come with fancy extras like backup cameras and blind spot sensors). And even with some of the latest safety technology, insurance companies rarely offer discounts to new-car drivers for having those features,' according to an article on the Ramsey Solutions website. Car dealers love to add costly extras like rust-proofing, roof racks or extended warranties. Most simply bloat the total cost unnecessarily. 'These dealer-added extras can increase the price of the car by hundreds of dollars,' per the Ramsey Solutions website. Instead of opting for extras, put the cash in your emergency fund to handle expensive car repairs or other expenses. More From GOBankingRates 10 Unreliable SUVs To Stay Away From Buying This article originally appeared on Would Dave Ramsey Finance a New Car? 5 Things He Says About Big Auto Purchases