Driving an old clunker/beater car embarrassing?

Get some tools and do self maintenance and repair.

Put the average monthly car payment amount based on average bran new car prices and interest rates aside.

Keep doing it for the full term of the average car loan.

By the time its time time to scrap the beater, you will havr saved up enough to buy a brand new car cash outright. Will have also developed a good habit to prepare for upgrading the brand new car as the time comes.