<prompt> Human: A little over a week ago, I was driving along a pretty busy road and another driver t-boned me while I had a green light. His car did substantial damage to the whole passenger side of my car and also deployed the curtain airbags. Although my car was in good condition, it was 2008 Jetta with 110,000 miles, it was still deemed as a total. Fortunately, neither of us were injured. Flash forward to this week, my insurance claim has been settled and I need to get a new car. I ended up getting 3900 from insurance after paying off my auto loan, I have 2000 in my checking, and 4500 in my emergency fund. Im still paying student loans. Now I know I could get a pretty decent car by paying in cash and it would be great to have one less bill to pay. However, Im not keen to completely emptying all of my bank accounts and newer cars are pretty. So what would be the best thing for me to do? Old car with no payments or new car with payments?  <response>: This isnt an emergency. Use the insurance and 2k to get a 5-6k used car. Use your extra cash flow from lack of a car payment to pay more on your student loans. 