To buy a car, earn $3750 or more, more and more...

Based on the previous posts:
Money not enough - Cost of living in Singapore (5/14/13)
Buying a car in Singapore? Cost of car in Singapore (5/8/13)
RETIREMENT (5/23/13)

In order to owe a car in Singapore, one should be taking home S$3000 PER MONTH: -
1500 (monthly expenditure) + 650 (car maintenance) + 350 (est. car loan, resale, 4 yrs old suzuki swift) + 500 (savings - retirement)

IF

• you have NO PLANS FOR A CHILD... (est. $500 / mth)
• you have NO PLANS FOR EMERGENCY FUND... (est. $250 / mth)
• you have NO PLANS TO TRAVEL... (est. $250 / mth)

To take home S$3000 per month, one should be earning S$3750 (S$3750 - 20% (CPF) = S$3000)

even if your salary scale is around $3750, would you spend for the little comfort on owning a car  or use the dough to make plannings for the future...?