First off, it's folly to ever buy a vehicle as an asset. Regardless of when you bought your vehicle, new or pre owned, you have to factor in depreciation. For a person , especially a male  20 years old, insurance costs must be a priority. If I were this person , young (20 years old) I would work backward and take the emotion out of the purchase. Cost to operate, cost to insure, cost to repair, cost to finance and, even cost to park if you live in a condo. 
Then if the young person can justify all these expenses and take out the emotion does a car purchase make sense. I've owned/ leased 26 vehicles in my 45 years of driving and my best advice is to purchase new and use the manufacturer 's finance tools when you can. The number one metric that always has to be considered when acquiring a vehicle is how many kilometres per year you plan to drive it. If you plan to drive less than 10,000 kilometres per year then buying a good used car makes sense.