<prompt> Human: Hi Everyone,To start, I love this sub and I have been a long time lurker. This sub has helped me get close to debt free and I want to thank you all for your posts which have kept me motivated to reach my financial goals.Now to dive in...I wanted to get some opinions on whether or not I should get a new car. I know the answer is almost always no so maybe I need some help being talked out of it.I currently own a 2009 Hyundai Accent that I bought at the end of 2011 that I just paid it off this week. It has about 82K miles and in average condition. It is bare bones, no power locks or power windows, very small, not very comfortable, power is lacking, not great in snow, etc. Although it has done the job of getting me to Point A to Point B. I have about a 30 minute, 9-10 mile commute each way.I have been looking into getting a 2015 Subaru Impreza that I would be able to get at invoice price Maybe less with some negotiating and going in at the end of the month? with an employee savings program through work. With all the features I want it comes to about 21-22K. I was able to get approved for a 20K loan at 1.5 through a local credit union.I make about 3400 per month after taxes. I put in 6 of my salary Max employer match into my 401K and have an extra 4-5K in my checking at all times for my emergency fund. I also just opened my first Roth IRA a few weeks back and put in 1000 for 2014 contributions. My rent is 1000 which is my only major expense. My only debt is 3500 in student loans which I have been aggressively paying down since I graduated in 2011. The starting balance was about 35-40K. I plan on having this paid off in the next month or two.So I guess the question is, would it be stupid to buy this car? I feel like 1.5 is such a great deal although I would still be paying close to 1000 in interest over the life of the loan, assuming 20K at 350 a month. The insurance would only cost me an extra 15-20 per month. If I do buy, I would trade my car in Maybe 3-4K? and I would be willing to put down extra for the down payment. I am not completely opposed to driving my car for a few more years although we have some harsh winters where I live New England and the all wheel drive Subaru would be a very nice upgrade over what I currently have. Subarus also hold their value very well around here.Also for what it is worth, I have no plans on buying a house in the near future. Especially since I plan to eventually move back to the Midwest in the next couple years. I also currently live with my girlfriend and there will likely be an engagement in the near future as well. I am struggling because the thought of living completely debt free is a dream to me and something I never thought I would achieve so quickly after graduating college. Although at 1.5 I am beating inflation. Should I jump on this and then max my Roth IRA and raise my contributions to 401K, all while having a new car? Or should I enjoy the freedom of being debt free and save more money than I ever have before? Another option is saving up for the car and buying in cash. I could also go the middlesafe route and buy a 2 year old ToyotaHonda and have slightly more luxury than my current situation. Thank you to everyone who took the time to read my post. Let me know if you need more details. What is Personal Finances take?  <response>: You have a perfectly good car. Dont buy wants on credit. 