<prompt> Human: Im looking into purchasing a certified pre-owned car that I plan on driving into the ground. Its a 34k 2014 Lexus with about 10k miles, and since its a certified, it comes with full-warranty as the new ones; additionally its a Lexus, so its supposed to be very reliable and generally holds value well.My credit score is around 700-720. Im a recent graduate and I will be starting work in a couple weeks where I will be making around 90kyear. I have about 20k between my credit card and my student loans. My commute to work will be 6.2 miles from my apartment that I am renting 800month; the commute is only a 10 minute drive, but over an hour of public transportation, so I definitely would like to purchase a vehicle by the end of this month.Can someone guide me in the right direction? Id get a beater car, but it makes little sense throwing away those thousands of dollars since I could be paying that same money towards something that I plan on driving for a very long time and building equity on it, I guess.Ideally, Id like my payment to be around 300 - 350, is this possible? I wouldnt be as hesitant about this decision if it werent for the fact that I would like to save and purchase a house in a few years.Id appreciate any insights! Thank you.  <response>: 1. Youre going to need a paystub to get a car loan. Might as well wait until your 1st one is available. Right now you cant prove income because you have none.2. A 350mo pymt financing around 17000. How much is this 2014 Lexus? Plus taxes, fees, etc? Do the math and you will know how much money you have to put down.3. There is no such thing as equity in a car. Its not property or Google stock. Cars are a depreciating asset.4. Lexus makes a good car but they need repairs and maintenance like anything. And being a luxury brand, they can be more expensive to own, insure, and maintain. How are you planning for this in you rbudget?5. Why take on even more debt now if you are buried in credit card debt, and want to buy a house? Hard to save for anything when you are making payments every month.6. A cheap car will get you 6.2 miles down the road exactly the same as a 30,000 Japanese luxury barge. 