<prompt> Human: Right now I have an 02 ranger that I still owe 4100 on the note. Im wanting to buy a new vehicle that is much more reliable and fuel efficient. The truck has served me well but is starting to show its age and mileage. I make around 12-1400 monthly. The new vehicle is 19700 before taxes and fees. Im wanting to know what kind of down payment I should make or how much more I should pay off on my truck before I consider going on s new vehicle.  <response>: I hate to be the bearer of bad news, but you shouldnt be buying a car that costs more than a years worth of your take-home salary. You need to set your sights way, way down.Pay off the truck I assume youre underwater, save as much as you can for a year or two, and buy something cheap but efficient reliable like an old Civic or Corolla. If you have to finance your new car, borrow at most like 3-4k, but if you can wait to pay cash youll be in better shape. 