Sheab,
Im a Junior at Vanderbilt University. Im 20. My 98 GS300 is my second car, the first that I purchased myself. Shortly after purchase this past summer, I crashed into a tree, destroying my front passenger side suspension and not to mention the fender, all the while under-insured.
To say the least, I was devastated, but surprisingly, I managed to get everything fixed back to specification on a struggling undergrad's budget by January of this year. As far as regular maintenance, I really don't feel like it's too much of a burden. Whenever, I feel like the cost of the dealer's overpriced minor maintenance is too much I just do a little self educating and see what I can do myself.
In summary, I think that if I ( the 20yr old, impoverished.lol. , student) can do it, then a fully employed adult should be able to hold things down pretty well ♥♥♥ I hope that helps a lil.