<prompt> Human: My first post here, Ive been following this sub for awhile. I am a 22 year old college student, I am going to school on a Pell grant, whatever is leftover after books is put into savings 2k a year. I currently make about 20k a year after taxes, and have about 5000 in savings. This is where things start getting questionable. I have had over 12 used cars and last year I said screw it, Im not dealing with stuff breaking down every week. I went to the Ford dealership and bought a BRAND new car. This decision was two fold. The first reason I wanted to finance a New car was to build my credit for the future I have no credit cards and dont like the concept of them. I had a decent credit score from some credit building loans. Still had to have my parent cosign obviously though. The second reason was I wanted a vehicle that would last and be useful I ended up getting a Ford Flex if I have kids in the next 10 years I refuse to get a minivan. The loan is a 72 month term. Out the door price was 36K. I did manage to get 0 interest on the whole term. That right there is the reason I went ahead with the purchase.I also live on my sailboat which I own, its a small cheap one, to save money and try to live very frugally. I usually have an extra 500 a month for spending money which I try to set 200 into savings depending on expenses. I think I kinda have my finances and planning together put would like a second opinion and ANY advice anyone might have. Thank you.  <response>: you make 20k a year and are a full time student and you bought a 36 thousand dollar car. nobody is going to tell you that you made a good decision.the rest of your situation looks alright. just make sure you put your degree to use and itll all pan out long term. 