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You only live once, enjoy your hard earned money a little. You don't want to be the richest guy in the cemetery. I put $40K down to make my payment around $340 and I pay $500/month to get it paid off early. High car payments always gave me anxiety.
My Roth IRA has been at 8% contribution with employer match at 8% since I started with my company in 2008. I consider the best piece of advice for college grads is to immediately begin your retirement account at least at what your employer will match. You won't notice a few bucks less in your check and overtime you'll thank yourself
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