I heard this song when a friend sang it to me. He said he heard it from family, possibly his grandfather, who homesteaded in New Mexico in the 1920s. The song is about a man who buys a car, and wrecks it because it was the kind you had to turn a handle in front to start it, and then get behind the wheel to drive. The lyrics I know are these: he wouldn't wait till I got in,
Now all's I own's a pile of tin,
And every month I walk right up and pay. Up and pay, up and pay. So much down and so much every day.