<prompt> Human: Heres a little bit of context: Im 23, in the Midwest with a new job making 45k per year gross income. After taxes, Im making about 3k per month. Job security is great, and Im living in the area rent-free. After deducting basic needs and gas, Ill end up having about 2.5k of expendable income per month. The deal breaker for all of this? I have no credit. Would I be able to drive off the lot if I were to get this car today? Feedbackadvice would be greatly appreciated:  <response>: You are buying a car that is probably 80 of your annual income is a terrible idea. You cant afford the car. 