<prompt> Human: My basic financial details are as follows:80K salary, no credit card debt, no student loan debt, 16K saved up in the bank, house payment of 980 a month, first vehicle is paid off a 2014 Toyota Sienna, credit score in the 820 rangeI need to get a second vehicle and I am considering buying a new car with a budget of around 40K. I plan to finance it all and put no money down.Is 40K to much to consider given my current financial situation? Thanks for all of the help.  <response>: That seems incredibly high to finance a car thats 12 your annual salary. 