re: Who is the national market for $80k suv's?

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Buy American.

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bought a Lincoln earlier this year

$80,000 Won’t get you adaptive cruise control in a German SUV.

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Okay Dave Ramsey. Let me translate slowly… people don’t stay poor by leveraging debt, they stay poor by spending cash on a depreciating asset when that money could be making them money. If you have good credit or belong to a credit union you’re getting a 2% interest rate. You’re telling me you’re not smart enough to realize that 20k you just spent on a car could earn you more than 2% somewhere over 5-6 years?

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So let's talk about your math here... You're basically saying drop $20k up front on some investment, meanwhile taking the same principal in a loan to make the scheme worthwhile?

What % of people has that sort of cash?

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Point still stands that it’s ignorant to say people stay poor by financing vehicles.

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The vast majority of folks that look at monthly cash flow as a metric for wealth (and these are the same people who take out foolish loans) typically have little to no net worth.

Those people absolutely stay poor by financing vehicles. Is it all people? No. It is a substantial amount however.

LOL, the OP needs to get out of whatever shithole they live in and spend some time in a place where 100 grand vehicles are a dime a dozen.

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your monthly note is ~1300

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For a depreciating vehicle? Lol

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if you’re a 2 income college-educated household older than like 35 and aren’t bringing home $250, you should reevaluate your priorities and/or consider what poor decisions you made along the way.

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Money is meaningless if you’re a selfish, narcissistic a-hole. Everyone comes into the world with nothing and leaves with nothing. Try finding a likable personality.

I was just behind a 2022 GMC Yukon Denali in traffic, I know it costs 80K +.

I'd be scared to drive something that nice

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The top income of upper middle class is $373,000. Recommended amount to spend on a vehicle is 10-15 percent of income. Let’s go with the high end of 15%. So that would be roughly $56000.. Majority of people have more vehicle than they can afford.

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I think you will find that $373k is well above the 90th percentile for household income. How is that anywhere near upper middle class?

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Recommended amount to spend on a vehicle is 10-15 percent of income.

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So, an average, working schlub American should be driving around in a $6k to $9k car?

No, what you need to do is get a program/certified car and drive the wheels off - maintain it and drive it from about 35K miles to 200k miles (or more if you can squeeze it) which will be 7 to 12 years for most people.*

Not spend $6k for a car and immediately have to look for a replacement - FFS...

*Finance for 3 to 4 years, though, then save your payment until the car is essentially expended. Get what you can for it in trade (or private sale), put that with your saved payments and after about 2 cycles of that, you're paying cash and making money off your car payment if you keep it in interest bearing accounts.