<prompt> Human: So, after listening to Dave Ramsey and his chiding remarks towards auto loans, I was hoping for some guidance on car loans. Long story short, Ive been driving beaters since I could drive and want something I can take on a road tripweekend getaways and not worry about it breaking down, have working AC, windows, etc.. Previously, Ive been renting cars when I want to get up and go, but it limits me to a few trips here and there and it feels like a huge waste. FWIW, I also bus and bike to work.Ive got a credit union rate of 2.448 mos and am looking at 2015 Fits 12-14k range. I make around 47k, am in PSLF for 26k, and have an additional 5k private student loan that Im chipping at, no CC debt. Id like to buy a house in the near future and hope this isnt setting me back!TLDR; Dave Ramsey has me scared about car loans, am I leveraging my future for a newer car?Edit: thank you all for the quick responses and advice! I plan on driving the newer car into the ground hence me going for something that was built in this decade hah.  <response>: Dave Ramsay is great if you have problems managing your money and being disciplined. His plan is simple and psychologically rewarding to stick to. If you are inclined to buy a luxury vehicle with 80,000 miles from a buy here pay here place at exorbitant interest you need to buy his book. That said, it is not optimal financial advice. If you have the discipline to manage your money, there are things you can do that make more sense. Financing a sensible, reliable used vehicle with low mileage at a low APR for a short term is not a bad financial decision, especially if it is getting you out from under unpredictable and potentially large repair bills. 