<prompt> Human: Here is some background- I have been a stay at home parent for 16 months while my SO finished her residency medical. We recently moved cross country and she started work as a Surgeon with excellent pay 215kyear We have excellent credit me-735, her-814 We have 18k in debt with another car payment and that is our only debt. we rent a home, recently sold a home and have 75k in the bank. While applying jointly for an auto loan we were denied because a. I havent started work yet we just moved three months ago and b. she hasnt been working long enough 3 months the loan officer we worked with by phone said that we will get more information on loan denial by mail and that the employment issue is pretty much all the info that can be given . We want to get a loan so we can use the money to invest super heavy instead of just paying outright for a vehicle.am I crazy that we dont qualify for an auto loan around 6-9k? We have a down payment and a trade in , the money needed is the difference.excellent credit, money in the bank, investments already setup and working for us, employment history shouldnt be a problem especially with my rock star lady killing it. why the fail?EDIT: thanks for sparing me the snark everyone! good advice in here  <response>: Because you are unemployed and your SO has only been working for 3 months, exactly like they said.Go apply at another bank, or just wait a little while and apply again. 