<prompt> Human: My spouse and I currently have a 1999 Dodge Dakota truck, paid off with 220,000 miles and a 2004 Mazda 6, paid off, with 178,000 miles and counting Daily Driver.Our combined income is 4000-5000 a month, were 25, and were looking at some 2015 cars like a 2015 Honda Civic listed on CL by a dealer for 12,000 USD.We have 9k in savings, 3-4k in rotating checking at all times, and credit scores of 720 with no credit card debt and an 18k student loan for her that weve been paying minimum on.The truck is only used around town on occasions that need a truck, but my mazda is a daily driver. It has a 500 cadilittic converter error that I havent got fixed, cracked windshield, the brakes were making a funny noise, and the steering wheel now jostles at certain speeds. To top it all off from time to time a gear shift will skip a beat. Im predicting at least 1,000 in car repairs in the next 3-4 months, maybe thats a false assumption Im not sure.Got approved for a 11,000 auto loan from our credit union for 3.4 interest rate. We havent decided what we want to put down yet.People talk about a car payment and all of this being bad, but if its properly budgeted why would I want to take my liquid savings and purge them to buy a car? Why would I keep putting money into a 2,000 car Ive already put 1,000s into anyway, Ive had it since it was 145,000 miles for 2 years. I want a vehicle that I dont have to think about maintenance and take time away all the time putting it into the shop.Can someone be my devils advocate and help me see something maybe Im not seeing?  <response>: Nah, thats a fine interest rate. And youre reasonably well off by income. If you arent planning on a kid in the next year I think youre okay.You dont mention an emergancy fund or retirement though, so consider the status of those funds before you pull the trigger. 