<prompt> Human: Ive always bought cars with paying in full. However, now that Im older, I want to get a nicer car and finance it. The only problem is I basically dont have credit because I have never had a credit card. Im currently renting an apartment that is 530 a month, with bills being around 220. My weekly take home is about 650 after taxes, it should go up to about 800 come February first. I have 29,000 saved up. I want to be able to have a nice car but have no idea what to do or spend.Assistant: You have more than enough money to buy a nice car with cash and have a solid emergency fund left. Spend 10-15k on a nice 3-4 year old car and enjoy the fruits of your prudent saving.Human: Ive been thinking about financing to build credit and just eat the insane interest for a bit to build my credit up. Im trying to save up enough for a decent down payment on a home.  <response>: You should never pay interest to build credit at any interest rate, let alone high ones. If you want to build credit, start with a secured credit card that you pay off in full every month. 