Well you’re wrong, it’s right in the first sentence. But I’ll give you benefit of the doubt because I wracked my brain over it for the first few months of day trading.

Good faith violation What is it? A good faith violation occurs when you buy a security and sell it before paying for the initial purchase in full with settled funds.

https://www.fidelity.com/learning-center/trading-investing/trading/avoiding-cash-trading-violations

Consequences: If you incur 3 good faith violations in a 12-month period in a cash account, your brokerage firm will restrict your account. This means you will only be able to buy securities if you have sufficient settled cash in the account prior to placing a trade. This restriction will be effective for 90 calendar days.

Cash account you can buy with unsettled funds but have to wait for it to clear before selling (T+1 options T+2 stocks or T+3 for deposits is general rule, check your broker to verify) otherwise you are at risk of a getting a GFV. I trade options with unsettled funds all the time, just have to be able to nut out holding through the day if you’re getting your ass handed to you. That’s the general rule, check with your specific broker rules for any nuances they include

That’s normal everywhere else

Keep the car payment, don’t change your lifestyle, and put most of it in high dividend stocks until you figure out what you want to do with your life.