<prompt> Human: Please refrain from telling me to buy a cheap cash car. Ive got 3 credit cards, collective balance of 3500. 9500 limit combined.I make 50k Per year. I have a mortgage for 250k 1800 per month mortgageI small account in collections for 100 for Comcast. 3 years old My oldest credit card is 12 years old. Never any late payments ever on any accounts. I want to finance a 2014 Infiniti Q50 with 55k miles for 19k plus TTL Or a 2013 Lexus Gs350 for 19k with 77k miles.Not sure which one to get. Edit: Forgot to mention. My mortgage looks crazy high on paper, but Im not paying it. I own 2 garage apartments on my property that generate enough revenue to cover my entire mortgage plus expenses. Just FYI.  <response>: I small account in collections for 100 for Comcast. 3 years old Never any late payments ever on any accounts.???Plus you have outstanding debt which I personally would consider as a late payment. Youre spending above your means and therefore you are delaying late payment. 