<prompt> Human: Hey Gang,Looking for some advice on whether to buy this car or not. Am 23MRecently moved to Colorado from Florida and dont trust my Dodge Charger RWD to make it through the winter, especially when I want to get into snowboarding and backcountry skiingcamping.Im looking to buy a 2017 Tacoma TRD Off-Road. The only reason Im looking at new is that Tacomas hold their value very well. A 3 year old truck with 30k miles is only about 5-10 below new car value.I was given an out the door price of 37,800 for the truck. My trade-in valued at 12k paid off.With some additional rebates my borrowed amount should be around 25k. USAA approved my loan 5.75, which seems a bit high, but I have not yet gotten financing terms from Toyota. Using a auto loan calculator, my monthly payment would be around 480. This seems a bit high, I was aiming for 450, but I am not sure if that is realistic or not. Currently I make 57k and my girlfriend makes 35k, I will get a raise to 62.5k in about 5 months in my employment contract.My Take home income per month is about: 3440My personal expenses are: Health Insurance100monthCar Insurancequotes from 70month to 250month for the tacomaGas - 100ish a monthPhone - 130Self - 150 general buffer and personal expense fundSavings - 100and my joint expenses are: 2230 - includes rent, groceries, etcWhat are your thoughts?  <response>: Without the car payment, you have about 600 left over each month. You want to add a 450 car payment, and 250 for car insurance, which totals 700. That puts you at -100month.Do you think you can afford it? 