<prompt> Human: So Im in the market for a new used car. Not interested in a cash 5k car. Ive owned them my entire life. Ive had so many of them, from 16 years old til now. Im 29 years old. So Im fully aware that there are good ones out there. I had an old Honda Civic with 230k Miles. I turn 30 in a few months and want to treat myself to a used 2013 Lexus IS 350 F sport surf 60k miles. Car is 20k plus tax and fees. Drive out price is 21,300.00. This would be my first time ever buying a new car Ive never spent thus much and have always purchased cash cars for under 5k.I make 50k annually with low monthly expenses. Probably about 400-500 in fixed expenses per month. I plan to put down 6k with about 1300 of that going to taxes. So Ill be financing around 15k or so. I want to finance for 60 months at 3. I know its not typically a good idea to finance for this long, but Id like to keep this car for the next 7-10 years or more. Basically drive till it dies. Its a Lexus so long term reliability is in my favor here. Plus I want the low payment just in case Ill likely pay additional principal payments also.So what do you think? Bad idea? Good idea?  <response>: You can buy other brands brand new for less. Do that. 