<prompt> Human: After making some poor choices with credit cards and bills in my early 20s, I have started to rectify this. I have paid down nearly all my credit cards and have several thousand in the bank. It feels really good. However, today I got an offer in the mail for a new car. It would pay off my existing car loan which has 3 years left on it. Payment is 300 a month at 0 apr. I made a mistake with this car as I had a previous cars negative equity rolled into it. That car would have been paid off by now.I went to the dealer and really enjoyed the car. It had all the features my current car does not have. However, when they came back the interest rate was at 2.9pretty solid the payment was at 425. After some haggling it went down to 380 and a down payment of 2000. Basically my Car was getting paid off at the full loan amount with rebates but I was adding a new 30,000 dollar car payment. I had initially said yes but when I stood up I felt sick. Like I was making a massive mistake. I told them I am sorry I could not do this. They pressured me a bit but I remained strong and walked away. I feel really proud of myself right now. I have been so dedicated to working on my finances and being better with my money. I think is a good step in the right direction.  <response>: I was adding a new 30,000 dollar car payment.This exact thought process has saved me on more than one occasion. Its really not just 300month, or whatever the payment is. It is literally a 30,000 expense. If you look at it in these terms, it really hits home for me personally, as I can relate that to helping my soon-to-be college student with education expenses rather than driving a nicer car that I honestly dont need.Good job, OP! 