Well the good news is a 5-speed will be a bit cheaper than an automatic. I've heard the average self-made millionaire drives a used car. Makes no sense to borrow money one something that will depreciate that quickly and then make payments on it with interest.
This is essential. I have in the past 5 years been driving a used high end luxury vehicle i purchased for 10,000. It has lasted me 5 years and only a total of $500 in repairs over 5 yrs., oil changes ever 7.5k mi are roughly 40 bucks.
This vs. my friend who has gone through a VW R32 lease and a Mazda speed 6 lease, and has probably dished out 13k on each lease.
And another friend who went through a BMW X5 lease which totals 36k after 3yrs.
Even just buying a car used 1 yr ago is a steal vs new, just takes some dedication and research to save money. I'm planning on getting a Porsche Cayman used in the near future, hopefully keep the baby for at least 7 years.