I save a car payment in a separate account every month......even though we haven’t had a car payment in almost 20 years. When we need a newer car I take advantage of the fact that someone bought a nice, new, luxury model and within a year figured out they couldn’t afford it and turned it in. They are less than 1 year old with very few miles on them. I then make a heckuva deal and pay cash for it out of my car payment account.
We have a Mercedes and a Jaguar we bought like that. The Jag is 10 years old now so have been looking around again. Just haven’t found anything I like better than it