<prompt> Human: Title sums it up. We began our marriage a month ago, debt-free after we each had individually paid off credit card debt. We have a nice home with 20 equity, good credit, stable jobs, cash flow 4kmo, monthly expenses amount to 2.5k. The problem is, we have one car, and after our wedding honeymoon we have only 12k cash in the bank.Heres the problem: we cant decide whether we should invest 10k in some dividend ETFs and build a little nest egg for emergencies, savings, etc, and take a 3.5 loan at 10k for 36mos 300mo, 548 total interest, or if we should pay cash for the car.One of us is afraid that we would be cutting ourselves short of potential growth, and we could see 12 or so on an investment, while paying only 3.5 on a loan. If something were to happen with our jobs, money would be around for us to make it though a few months.The other one of us thinks that we can just buy a 10k car first, remain debt free, then rebuild savings as we go.We cant be the first facing this type of disagreement. What is the wise choice?  <response>: You should have 6 months of expenses saved before focusing on making returns.. 2.5K x 6 15,000. If possible, Id go for a cheaper car or try to wait a bit. That safety net is important. 