<prompt> Human: 26MCurrent Salary 62k 4.4 raise every 6 monthsSavings 20kLiving with parentsAll debt 15k student loans payments 100monthLooking into buying a truck Toyota Tundra for about 45kIf I were to put down 17k plus a trade in would be about 20k so 25k financed with a payment around 500Is this a bad time to buy? Bad decision overall? I would love another perspective on this!  <response>: Please dont do this. Youre making good money and living at home. Be responsible and use this time to pay off your student loans. Then move out. You should NEVER buy a vehicle thats 34 your annual salary 12 is the MOST I ever see recommended. I cant stress enough how bad of an idea this is. I feel horrible for you because I know youre probably going to do it no matter what anyone here says. Youre 26 years old, you should really be focusing on getting out on your own and building wealth, not blowing it on something thats going to sink rapidly in value. If you absolutely have your heart set on a truck and wont take no for an answer this is what I would do.. I would take 15k of your 20k savings and pay off your student loans TODAY. I would then save and pay cash for the truck - preferably something a year old and about 30k max. Ive been looking, theyre out there. 