I owe 22k on my car, and it is worth 14k ,but the car I want is 24k how can I get this car?

Stop buying cars with payments. Spend your money on pure silver coins and hide them at home. Right now the price of gold is about equal to the price of 70 ounces of silver. When that ratio goes down to about 30 or 40 as it does from time to time, swap your silver coins for gold coins. Then when the ratio goes back up to 70 or so, go to a dealer and offer to pay for a new car with gold. That way you get a new car for half price. That is how I paid for my dentures, six thousand bux.

Daily gold and silver prices: kitco.com/market/ (Gold/silver ratio is at the bottom of the screen.)