<prompt> Human: Full time at a community college. basically 0 living expenses, because living my dad. Im fortunate enough to live in a upper middle class house, and with this i have completely 0 expenses. I have 2004 ford explorer that i want to sell and purchase a 2013 Subaru BRZ for around 20 grand. I work part time and my monthly income is around 500-600 I have a few questions that may seem ignorant forgive me.1. Should i save a few grand over the next months so i can pay a large portion at signing?2. Does this help my credit?3. Is this a practical investment, or should i just save my money4. What the hell is finance rate5. In terms of how many months i choose to pay im assuming shorter amount of time less interest?  <response>: Why do you think this is a practical investment at all? Its not even an investment. Youre selling off a free money pit that isnt worth a whole lot and in exchange buying a 20,000 money pit.Youre making 500-600mo. Essentially payments on the car would swallow your entire income. Thats disastrous. Im not saying dont have a nice car, but theres a lot of more enjoyable things I could imagine doing with 500-600mo than owning a fancy car. For example: being able to drive it somewhere.And theres a lot of risk. It ties up money that maybe youll realize you needed for something else. If income dries up youre reliant on your parents to backstop you or your credit score goes sunnyside up. Neither is fun.If you have 0 expenses and make 500-600mo the only thing you should be focused on is how to fix that income. For you its probably going to college. Or getting into trade work or whatever. College isnt for everyone. It wasnt for me. If only Id figured that out more quickly. 