<prompt> Human: Hello PF,I just graduated from grad school and moving to a much larger city and in need of a car to get to work. My annual salary is 72,000. I have zero debt. I am looking to purchase a 2016 or 2017 Honda Accord or Mazda 6 for around 18,000-20,000. I have already been pre-approved for a 2.25 interest rate over 4 years. I have 10,000 dollars in my saving account. I plan to put around 4,000 towards the down payment. With the potential monthly car payment my total expenses including rent, insurance, everything will be around 2,000-2,200 a monthly. I plan to by a house in the next 3-4 years, and I believe the loan would help my young credit history. Is this a smart move?  <response>: You can afford it but in my opinion its a bad move. Get something you can afford to pay cash for and not need to pay full coverage insurance unless youre not confident in your defensive driving. Youre young and in a good place to build a solid financial foundation. Dont start digging a hole 