I'll just keep buying second hand cars. My current car is 20 years old, bought it when it was 10 years old and it's still going. Put away $20 a week or whatever you would have been paying on the loan and you'll always have a fund to get something. Treat it like a loan too, you can't pull money out of the loan you've been paying, so don't touch this money either unless for the most dire of emergencies.