So you're 20 years old and make over 50K a year? Damn.

Don't forget to figure in a high insurance as well on which ever of these cars you are talking about. Considering the car and your age, very likely to be at least another $200 a month right there.

Depending on credit, your looking at $17-$25 for every $1000 you finance. Doesn't matter what car, matters your interest rate. A $20K would run you anywhere from $340-$500 a month.