<prompt> Human: Hello reddit.My wife and I just purchased our first property. 150k condo, 120k loan 5. My credit was borderline to get us qualified. Her credit is very strong. I would consider our income strong.We will be looking to upgrade our home for a bigger family in about 3 years. Ballpark home cost will be 500k not sure that matters, and we will have 20-25 by then for downpayment.We are looking to buy a new car in the next month. We have the cash, but Im wondering if I should do a modest loan local Credit Union most likely, in an effort to build another lineexample of good payment history in advance of our next mortgage application in 3 years. For example, 25k car, maybe put down 15k cash, and get a loan for 10k. I could set it up to auto-pay, so no hassle. But i would obviously be paying whatever interest rate I can qualify for.Other details-6 mo. e-fund15 income going towards retirementcredit cards used and paid off every month125k income between the two of us.Thanks in advance.  <response>: No, its not worth it. Pay your mortgage on time and continue to pay your credit cards off each month. 