DWB, no youngster here, so yes, I do have a car payment. When you have a house, wife, 2 kids, and 2 cars, it's a bit necessary to have a car payment, if you don't want to mess around with used stuff that is.
I have a 2006 Mazda Tribute on loan and a 96 Nissan Altima with 164k on it that was bought used and paid off around 2003 or 2004.
Got tired of messing around with used cars and constantly needing to fix them. The 06 Mazda is our first brand new car in the marriage.