Canada

If the 24k difference is a problem for you financially, you probably shouldn't be buying a new vehicle at all.

Like I said, the price difference per month is not that big, If you drive 20,000km a year, gas works out to $315 a month in that Forte, and the car payment is $433 before financing. The EV would be $833 before financing and $43 in electricity . If you're financing at 7%, the totals come out to $151 extra for the ICE and $291 for the EV in the first year, dropping each year for both of them. Assuming 5 years for both.

Totals are then $900 vs $1167 per month for the two vehicles, a difference of $267 now, in order to end up saving $300 a month in gas once the car is paid off after 5 years. In addition to the cheaper maintenance, and the fact that you aren't fucking the environment quite as badly, and the fact that if gas prices go up (which is likely) you save even more.

If that doesn't work for you, buy used. Nothing wrong with buying used ICE vehicles, those owners can then shell out to to buy new EVs that will then be sold used in a few years at prices you can afford. Or you can buy a used EV, just don't go for one of the older leafs.

You can buy a used '20 Niro EV with 90,000km on it for $27,000 right now listed at Kia in Vancouver. $450 monthly, plus $157 in financing, plus $43 in electricity. Total monthly cost is now $650. You'd have to buy a used ICE below $15,000 to get that monthly payment with the gas costs. Based on current stock, that's about a 2016-2018 Forte equivalent.