I'm not a fan of commuting with my tow rig and have found the savings of having a commuter has lead to multiple tow rigs. When I got my first job with modest salary out of college I set up a car account that was funded even if I had no car payment. I didn't know about the 20/4/10 rule at the time but my philosophy follows pretty close to that except I haven't adjusted the amount that is funded since the start decades ago. Over time we drive an average of 35k miles a year.
We now have 5 vehicles, a commuter car, mini van, Suburban, dmax crew cab 3/4 ton and a 4500 all funded from a very modest account. Everything is very nice, low mileage but may not be the newest model year as it takes time to cycle through replacing all of them. We have been buying new for a long time.

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