Only in Miami will you find someone living in an efficiency—but pulling up in an Audi. And according to WalletHub, we’re not alone.

Florida ranks #10 in the country for overspending on car loans. The average Floridian owes $20,123 on a car loan- and with an average income of $51,495, that eats up nearly 39% of our income.

Here’s the top 10 states where people are doing the most for the whip:

1. Mississippi – 44.42%
2. New Mexico – 43.23%
3. Arkansas – 42.63%
4. Louisiana – 41.61%
5. Oklahoma – 41.28%
6. Texas – 40.37%
7. West Virginia – 40.20%
8. Alabama – 39.77%
9. Nevada – 39.00%
10. Florida – 38.74%

Moral of the story? Just because you can finance it, doesn’t mean you can afford it.