Having listened to Dave Ramsey in the past I never even considered the possibility of car payments.
But just as a curiosity I examined the possibility of financing a $60k car in the most safe terms possible - $25k down and only 24 months repayment schedule.
The initial payment + balloon are the entire car's cash value. The 24 months of monthly payments is essentially only the interest - an extra $9k.

Why are people doing this to themselves.