<prompt> Human: Im thinking about getting a new car soon, as my current vehicle has a few issues with her that comes with her age of 14 years old. Im not ready to dive right in, so Id like some advice.Current situation: Gross annual income: 28000 this will soon increase due to annual raises by the company I work for, as well as possible promotionsIm 21 years old. I currently live with my parents and pay them 400mo in rent, and pay about 90 for my phone and my sisters phone altogether. Out of my monthly 1660 net income, I save at least 300 into a savings account that currently has about 1500.Im looking at cars around or less than 20k, specifically, I saw the Mazda3 and feel it might be the right car.When it comes to cars, what should I expect, what should I look for, and what should I do now to better prepare myself when I do decide to take the dive?Thanks. And sorry if this is the wrong sub to post to.  <response>: You are buying a car that is too expensive. Save money pay cash and work up to the 20k car. I have been buried in car loans for the past 15 years and it all started when I was your age and wanted something better than what I had. Save up like 3-5k pay cash for a Mazda, Toyota or Honda and than take the money you would be paying for a car payment and save it for the next car and then buy up to a 10k or 15k car with savings and the money you get for selling your current car. Your income will likely grow so you can always bump up your savings and time table as you make more money but pay cash is my advise. 