<prompt> Human: Hello everybody, I am almost 19 years old and have landed a steady job in a big company as a welder. I make 50k from that before taxes and I also run a landscaping business on the side which brought in 10k last year. I own a reliable car that is payed off and a truck that is aging and in need of replacement. My cartruck insurance is roughly 200 a month. I have a little over 2k in debt with an interest free loan that I pay 100 on each month, I am actually a month ahead on that loan was for a commercial lawnmower for the business. Thats really the bulk of my expenses. I have my eyes on a truck with a 37k price tag and have saved almost 10k to put down and then get a loan for the rest. My credit score is in the high 600s and I plan on living with my mother until Im at least 21 or so. The truck will be used for the business also so it will be bringing in some money itself. I plan to keep growing the business as long as the economy allows.Do you guys think this would be a stupid decision or something worth going for? I plan to pay it off within two years. Also my income may increase as I am enrolled in an apprenticeship program with the company Im in and will get small raises over time as I go through my training.Any thoughts are appreciated!Edit: truck is not new but is lightly used, is a 2014 ram 2500. Yes I know my insurance will be high, that will be the main deciding factor for me anyways.Edit:Edit: current truck is 20 years old, over 200k miles and has holes rusted in the floor and gets 8 mpg.  <response>: You literally cant afford it.At such a young age, the cost of ownership of a new truck, even if used, is high if youre financing.Not only will your payments be large, your interest will be high due to a low score as well as requiring full coverage insurance which again will be high due to your age.Drive your existing truck into the ground and purchase a used work truck with cash while working to improve your score.Theres also the perception youll need to contend with too! 