<prompt> Human: Welp thanks to a terrible thanksgiving, I had 5 family members literally screaming at me as we ate about what I should shouldnt do about getting a new car. Bit of background about myself, recently graduated. Started working in career field in April making 13 an hour working full time. On Monday Ill start a new job making 36.610 a year salaried, getting health insurance, pension plan, life insurance, everything. This is dream job land. I currently pay 200 a month in rent I live with my dad but I will move out this summer, 50 car insurance with my dad, this will go up if I get a new car, 90 phone bill, 10 Netflix, 10 gym membership, 120-140 in gas, 120 for train which will go down to 70 with new job. Ive got 3 checking accounts, my main one has 500 in it, 2nd checking account has 4,000 in it, 3rd is a savings account which has 300 in it. 2 credit cards and debt free, no student loans or anything. My credit cards are always paid off monthly. Credit score is 765.My current car, which Ive had for 2.5 years is a 1997 Mercury Grand Marquis. Ive had many, many problems with her. Ive put around 2K into her for various repairs. Last year the brakes failed. I nearly died. But I needed to get a whole new brake system. I couldnt afford it at the time, so I only got the front brakes done. Im making a lot more money now, but I just dont have the time to take her to the shop and I dont have a backup car to use so I wouldnt have a way to get tofrom work. So the brakes have just gotten a lot worse. Theyre grinding now, still squeaking. And the car starts shaking whenever I go 40mph. So I know theyre both expensive fixes and she wont pass inspection which is due 1231. I dont want to put more money into her, which is why I want to buy a new car. Also, the brakes could easily fail again and I could die.This is my plan, which was heavily critiqued: overall I really DONT want a car payment. I hate debt, I dont want to pay for interest either. So I was looking at cars for less than 3,500. I actually signed up for a new credit card with Chase Bank specifically for this and other big purchases Im planning over the next year. I get 15 months no interest, 150 when I spend over 500 in the first 3 months, and 1 cash back on everything. So lets say I buy a 2,000 car, Ill get 350 back. Please keep in mind Ive always pay my credit cards on time, in full, every month. And putting the car on the CC is literally just for the cash back bonus and avoiding interest, as the car will be paid off immediately. According to my family I only have two options. 1- Buy a car thats a couple years old for 8k or more. Get over your issues with paying interest and having a monthly payment. 2- keep your current car and keep driving it till it dies, make necessary repairs. Now my issues with 1- spending more on a car doesnt give me a guarantee that there wont be expensive repairs. I dont like paying interest, and I dont like monthly payments. My issue with 2- I could literally die. What should I do? TLDR: should I buy a car for less than 3500, and pay in cash or finance a car?  <response>: You dont have a lot of money and you dont have a job making a lot of money either. Go with your plan, your family has no idea what they are talking about. Your plan is a very reasonable option, just dont buy a mercury. Go get a Toyota or a Honda so you have reliability and cheap repairs. Buy it in cash, though Im not sure how feasible using a credit card to do so will be. 