New or used? You can't find that car new at that price in the Bay Area. Truecar says an exceptional price is around $21,600. I think I could do a couple of hundred better, maybe a little more today or tomorrow, because EOM. Perhaps you can copy that local online listing here, if it's for a new car. Then those folks that want to buy one can call that listing.
https://www.cargurus.com/Cars/l-Used-Toyota-Camry-San-Francisco-d292_L2793In 2 minutes I found a 2016 for $14,600 with 29,011 miles. Cost per mile for the first 2 years of ownership (if purchased at 20k like OP did) was 18.6 cents per mile. Time to find, about 2 minutes.
As a mustachian, I would drive a 2 year old car with 29,000 miles (its a camry, thats not a lot of miles) and pocket the $5,400. This isn't the Bogles website, Facepunches are for people that spend money when it's not necessary. Are you arguing that a 2016 Camry is a bad car? Probably not, its a terrific car still at a lot lower price. Do you really want to have an argument saying a 2016 Camry is old or falling apart, or would you agree a 2016 is practically new for a Camry?
To me, the car hasn't even used up 10% of its life and its 25% cheaper then OP paid.
Cars don't depreciate the way you describe. Go on your local dealer's lot and see what you will have to pay for a used 2018 with 5k miles, even after haggling. The price will be very near the new price, because used buyers are a different crowd.
If you're correct, then the same link showed me a 2018 with 6000 miles listed at $19,999...so you're saying new price for a 2018 is roughly $20k, thank you for the support on my original claims.
That's all a 5 minute google search of "Bay Area Toyota Camry" could find.