This sounds like a disaster waiting to happen. Try door dash on the weekends to convert free time into cash.

Years ago,,,,,yes. Last 5 years, maybee. Trump kinda messed that up when he doubled the standard deduction. It also depends what state you live in. High tax states usually hit the cap on write offs for property and state deductions.

Your basically working tword saving your self 10 seconds of work per month when you knock out that mortgage. That 10 seconds will not compound like the money could have. You'll still have to pay property taxes twice a year, so that 2 minuites you get back every year will actually be more like 1:40.....I personally would rather have the cash on hand, even if it was hard cash under the matress. You never know when that dream car you've always wanted pops up from a guy in your neighborhood on a Sunday morning. By the time you refi, get out the money, go back and make an offer, the car has long been sold. (I lost my dream car on a Saturday night to a guy who bought it on Sunday afternoon with cash). I still loose sleep over that one.

Work on weekends and a night or 2 during the week.....all a loan does is get you deeper into debt. This will also curb any kind of spending your doing, so it's double bubble.

The car isn't your biggest problem

Because your buying at a substantial discount. This is how real estate investors win.....they never buy when the market is going up.