You are saying we should focus on doing X and I ' m saying we should do Y . Neither of us has the ability to do X or Y . <| sep |> My Cupcake Addiction . I am no baker , but watching cakes being decorated is so satisfying . <| sep |> I understand your dilemma , stihltoe . Have you possibly considered a CPO ? Sort of the same premise but a little bit of savings for you and still some warranty . Another thing to consider and I say this as someone working in auto lending but can you afford the vehicle based off what your current expenses are and if the situation unfortunately changed with your SO ? 60 months is a long time . Can you still afford everything essential in your life ? If so , proceed . If you may be in a tight spot or in a difficult situation it ' s something to consider putting off until you could maybe put more down to get to a point where it wouldn ' t affect you .