My 350z got totaled =(

Jordo!

10% APR is not very good -- heal, make sure your medical bills are going to be covered and shop around.

As to what you or anyone can afford... realistically, you probably want to shoot for the newest most reliable car you can find where the total cost/value of the car is considerably less than your yearly income after taxes (I don't know if you are noting take home or not -- none of my business either way), not merely whether the monthly payments are theoretically manageable...

Anyway, all that said, I don't know if a 370Z is going to be that car or not.

Either way, make sure your next car something you can afford, especially if you will be looking at a higher insurance rate. Also, keep in mind if anything should change in your employment situation (not uncommon these days), you don't want to lose the car.

I think, continue to shop around. If you find a car you can afford, secure financing in advance from your bank (or a credit union -- they tend to be a little more easy going on their profit margins), and walk in completely certain (or at least as certain as you can be) of where you stand on wheeling and dealing (there's other threads with good advice on this).

Also, if you are looking at used cars -- look for private sellers. Car dealerships are for brand new cars.

Good luck!

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