<prompt> Human: I bought a new car. I qualify for zero down. The car is 22.4k and the interest rate is 2.99 . 4 year loan. Should I put money down?I understand old cars would be better financially but I would still like a new car. Its a honda civic and Im driving it for at least 12 years. About me:Graduating in the spring with cs degreeHave job lined up when I graduate, around 75k plus overtime plus 5k signing bonus 17k in stocks9k in 1.05 Savings account Living with parents for at least 3 yearsMostly frugal  <response>: Imho, 2.99 is a very good rate for 0 down and the money you would put towards the down payment would be better earning you money in your investment fund. 