Yeah if this was my situation, I’d not be buying new cars constantly. You always have a car payment? Okay, that’s a choice. Stop buying new cars every 5 years. Hopefully you’re almost finished paying off the current car loan. You’ll probably have closer to $500/month (based on the average American car payment).
Any other budget tightening may get you all the way to $1k/month you need. Are you paying for cable? Got a gym membership? Paying for yard service? Going out to dinners or movies often? Maybe you aren’t, but when I see someone say they always have a car payment I do assume that folks have more to trim.
Sorry if that comes across as judgmental- it’s not meant to be. Take it as a helpful suggestion. Look at your monthly budget with fresh eyes. You may find more wants than needs sitting there ripe for the pruning. Consider it post-planning instead of pre-planning.