<prompt> Human: I have a 52-56k a year salary depending on overtimebonus and with fairly cheap rent for my area600 75 for utilsand I have no debt. Besides that I dont have to pay anything right now except my car insurance. I have a car that I drive now that has a value of about 5-7k trade in and I was going to put 15-20k as a down payment and finance the rest. The car I want is new and priced at 43.6k sticker so I am hoping to get them down to 41k with 2 incentives that I think will apply. I am hoping to finance 48 months or less but I have limited credit history as I do not have a credit card and every house rented, another roommate had the utilitieslease in their name and I am only a year and a half out of college. Will I be strapped for cash?? I know I might have to buckle down in other areas I have slowed down on going to the bars and whatnot that eats money but I have never had a good car and would really want something that will last me for many years to come. As of right now my car is a money pit mpg wise and with all of the maintenance it now requires... 200k miles have not treated the ol tahoe well.Thanks for you help! Feel free to ask any questions that will help clarify my financial situation.EDIT: Thank you all, I really appreciate the advice. But guess I should have said truck rather than car. Its not foreign or luxurywho am I kidding... all trucks are now. A truck will help with work and fit my hobbies more so than a civic or accord.  <response>: I know I might have to buckle down in other areas I have slowed down on going to the bars and whatnot that eats money but I have never had a good car and would really want something that will last me for many years to come.You dont need to spend 41k to get that. A car that much is never a need -- its a want, no matter the income level. And in your case, that is way too high of a proportion of your salary to even consider. 