Hey, Frisko mistakenly posted on someone else's thread and was chided to post his own..so he did.
Anyway, Frisko- what model and year are you looking for? Buy the lowest mileage and youngest car you can afford. IMO I use the trade in value on KBB as the price w WELL SHOPPED car will cost you. Maybe 3-5% more. Different models/marques at different times will vary.
Lots of threads hear along the same lines as your query.
One thing: using the cell phone app is a MISERABLE way to navigate this community and to understand the breadth of information available here. For me, or my buddy LP above, we know whats what, and where to go, and context, etc...so an apps is fine to drop in and participate...but seeing multiple pages laid out of a full browser, etc, will give you MUCH better access to the info. IMO
Keep it as simple as possible...but no simpler.