<prompt> Human: Im starting a new job where my monthly income after taxes pay will be 5,300. I have no student loans, no cc debt, and I just signed a lease on a nice 1,100mo apartment. Currently driving a 1999 Honda Accord that I bought for 4,000 cash 7 years ago. Still runs great, but I want to upgrade to something nice and give the beater to my little brother.Id like to buy an SUV Im 63 and want something comfortable. I was thinking a 2011-2013 Lexus RX350 based on Consumer Reports showing great reliability, performance, and customer satisfaction.I have very good credit and could secure an auto loan from USAA for 2.25. I love that I currently have ZERO debt. But I am also feeling a little impatient and want to get a new car now instead of saving up to buy cash. Any advice?  <response>: if you love having zero debt, continue to love having zero debt.a 2011 through 2013 lexus RX runs between 25 to 30,000. Save 2000 a month for 15 months and buy the lexus outright.Your little bro can live without the honda for the next year. 