<prompt> Human: some details about me:-been driving my current car for 10 years now. things are starting to fall apart around it.- i live with my parents, little expenses- i make only 44kyr- i have around 35k cash in savings- gonna buy a new 2015 accord or camry and keep it for a decade at least.planning on doing a down payment of 10k trade in of around 5k... so around 10k in loans. OR pay it outright cash and have 10k left in the bank... what to do?  <response>: Do you have an emergency fund? How much of your monthly income would it cost to finance your car, plus all car related expenses: auto insurance, gas, yearly maintenancerepairs? 