Why do you think market value of this car is $23k?
Have You checked used car market prices?
In 6 years this car will be worth not more than $5k.
Your TCO for 6 years will be around $28k - $5k unless You pay cash.
$28000÷72= $388.
$5000÷72= $70.
TCO = $318/m.
Not mentioning about at least one new set of tires and some maintenance.
