Not a dave ramsey guy, but when I buy a vehicle, I wait until around Sept or Oct, then go buy one of the last of last year's models on the lot. They basically give them to you for free and give you free oil changes for life or something.
Pretty bored by cars. Don't really care as long as it is comfy and stuff. I mean, if I need my car to make my life better, there is probably other crap wrong.