What is wrong with your current car?
Why does it need to be replaced?
If it does need to be replaced, why does it have to a 2023 model?
Imo, if you're not financially independent (i.e. not relying on your parents, own a home, emergency fund in place, retirement and pensions sorted) then you don't need need to buy a car that new. It's fiscally irresponsible. But I realise most of the US is trying to keep up with the Jones and feel the need to have a new car because it's a new car and everyone else has a new car.
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