Think for just a second, not many seconds but two or 3 seconds.
Let's just say you provide some "assistance" to the finance department guy and you get 0% and the $1000 per month you want, and there is no taxes (gas guzzler, luxury, etc) on this car.
90,000 / 1,000 = 90 months or 7 1/2 years.
You are going to paying on this car for 7.5 years!!
In reality, there are interest rates:
@ 8%, you will be paying for about 11 years on this car.
I don't think you are retarded, I think you don't know what's like in the real world. I make $35k, and I am hesitent about moving out on my own.