<prompt> Human: Hello,I need a new car. Well I have been diving the same 2k car for 10 years and dearly miss having a truck and access to the backcountry.I only have 8k saved for a new car but have the cash flow for a monthly payment. 140kyr The dealers interest rate is 0.9 and at that rate, is it even worth saving up? You do have to buy new truck when I was considering getting used truck with a loan from the local credit union auto loan at 4.New trucks start at 41k  <response>: You make 140kyr and you only have 8k saved? Sure, at that income you should be able to afford it, but thats a pretty low savings for that income unless you live in HCOL or have kids, and a wife that doesnt work. 