<prompt> Human: Before we get all judgmental about needing a new car versus wanting a new car, let me explain. I have been driving a hooptie for a while and have recently been promoted into a management position that comes with an allowance. This allowance would be 350month plus mileage reimbursement .20mile. My wife and I are looking at some more dependable options that would not exceed the 350 monthly payment. One of my major hesitations is that we are currently paying off student loan debts 2K for her, 45K for me. I do not want to introduce another debt into the picture but I feel like it would be fine in this scenario since the monthly payments would be paid for. We make about 150,000 a year and live comfortably but im not sure how that will change once our baby boy is here. I am basically hoping for some reassurances from someone in a similar position. I want to make sure I am not overlooking anything when buying this new car.x200B;Thanks!  <response>: Would you get this money even if you dont take on a payment? If so, stash the money aside and then buy a car cash in the future. I dont trust these car allowances. I have seen people take out loans, then the company backtracks or lays them off a few months later. 