<prompt> Human: Currently living back at home, rent free. Landed new job, hours are unpredictable, 30-40 hrsweek, 12hr. Have 10k in savings. Only major expenses would be a car gas, insurance, maintenance and food. Looking to buy a used car Ford Focus or Camry under 100,000 miles between years 2001-2007. Price range, all-in, is 5.5-6k. Assuming 5 interest or lower for financing, since I have a clean history and excellent credit. Estimated 70-120month for insurance.Should I put 50 down on a 5.5k car, or just buy it outright?  <response>: If the 10k is not part of your emergency fund, just buy the car. 