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Silly me. There is a Dave Ramsey video in this thread discussing the crisis.
Not if it has a timing belt!
I'm thinking you've never heard the term scheduled maintenance. Breaking one before it's due to be changed is really rare. Having it inspected takes about 30 seconds if you are worried about it. OMG you have to change the belt twice in 300,000 miles. The horror.
I've been involved in both and both can be a massive pain in the ass.
I explained above how I do it. No pain at all when buying new.
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www.youtube.com/embed/f5bcQ5OK9Jg
My new car (2016 Honda Accord) last year, paid in full. I don't finance vehicles.