<prompt> Human: I recently graduated from school and began working as an engineer two months ago, my monthly income after taxes is about 3300.Rent Utilities: 900That leaves about 2400 for myself, My credit card debt is about 4600 which I manage to pay off a bit every month, should I focus on paying off my credit card or putting money into my savings? I currently have about 3,000 saved up. I am hoping to purchase a new car within a few months and would like to put a decent down payment. Any advice is appreciated. Assistant: Pay off the highest interest debt first, and save as much as possible while living a realistically comfortable life! Debt should always be your first priority, and trying to have as little of it in the future as possible!My philosophy on cars:Buying is always better than leasing.Cars are a utility first. Dont ever make a car put you in a worse financial position.Give yourself a year, pay off all your debts and try to get a 6000 used car, something you can use for 5 years, to help your financial situation! 3k down 3k monthly paymets? Try to pay it off over 2 years at about 120mo, and own it! When your in a better place financially, 5 years get a newer car!Also a tip: realise you will be making more money in the future!Human: I was hoping for a 50k vehicle with 7500 down payment?  <response>: Please dont.Your not in a position to buy a 50000 car, and theres no value in spending more than 25000 on a car, people with cars more expensive than that are only doing it because they can afford it without it having an impact on their life style.Im going to go thru point by point on why this is a bad idea and why you should buy a cheaper car.1 No reason to ever buy a new car, get a car coming off a 3 year lease with low miles, there will be an increase in availability for 3 year old used cars because of leases expiring. You can get a 50000 car 3 years old for 30000 off lease with low miles. Boom you just saved 200002 you dont have the money to afford it, and that down payment would be way too much of your savings.3 trust me you will be so much happier with 40000 in cash than 40000 in a depreciating car! Get a 10000 car and love it! Use the crap out of it, dont spend billions on repairs, theres a million reasons.4 saving is your best friend. Get a realistic budget, and live it! 5 if you get a cheaper car now, youre putting yourself in a position to be able to buy the car you want, without putting you in a poor financial situation.Just please dont buy a 50000 car, instead invest in your future by saving! 