<prompt> Human: My Father and I recently sold his house and I was given 12,500 as part of my share from helping pay for the mortgage for two years.I am 26 years old and recently acquired my drivers license. I have been commuting by bicycle for almost 7 years to work and school. Lately I caught the traveling bug and have since been looking into cars. Specifically some kind of hybrid minivan toyota sienna? to sort of car camplive in for weekend trips, road trips to races and stay-cations. I need some kind of vehicle to possibly hold 3 bicycles and have a 6.5 foot x 3-4 foot sleeping area in the way back seats. either by removing the back seats or folding them downI have a really great credit score as well, pushing 750 according to credit karma and my discover cards fico score.I make about 25,000 a year before taxes working at a health food store. I manage my finances pretty well between food costs I get a nice 30 discount at work and my hobbies racing bicycles. I am debt free at the moment always paying my credit cards on time and taking advantage of points systems and 0 APR for X months kind of deals.I pay a flat 500 in rent at my current residence which I have less than 6 months lease on.My credit union offers 1.5 APR on 2008 or newer cars for a 36 month loan. I have seen some dealers do have 0 for 36-48 months.How much actual negotiating is there for car buying? MSRP is XX,XXX but how realistic is it to try and get 1000-3000 dollars off of that MSRP?Insurance will be the hardest thing a long with the car payments because I will need full coverage due to it being financed.I have kind of a strange anti used car kind of mentality based on previous experiences with friends and family and how they treat and respect their vehicles. Spills, accidents and other messes. How cleaned up will a used car be?Is this a good decision or should I just hold onto the money? I really feel like traveling and I have a lot of PTO saved at my job. I have been working there for quite a long time and dont expect to quit anytime soon. Potential to move up in the company and make more money is extremely high.edit: I should also add that I will still be bicycle commuting everywhere to save on gas and not driving unless it is very lousy weather ex: winter  <response>: I would focus on increasing your income before thinking about buying and maintaining a new vehicle. That money will serve well as an emergency fund while you can achieve this goal, be it further education or training. 