<prompt> Human: About me:30 years oldOn verge of getting engaged80K salary10 yearly bonus17K liquid25K 401K5,500 Roth IRAMonthly rent: 950Utilities: 100mo.No other debt or loansExcellent creditI am looking to purchase a new vehicle for slightly under 30K. Currently the dealer is offering 0 financing. I also have a vehicle Ill be trading in for 7K in addition to a gift of 3K from a relative towards the purchase of a new vehicle.Id plan on taking a check for the trade and the 3K and putting it all in a brokerage account in a Vanguard index fund.I would finance the entire vehicle purchase over 48 months, taking advantage of the 0.Thoughts?  <response>: This isnt rfrugal! There is nothing wrong with buying nice things if you can afford it affording it means buying it while still being able to put away savings, maintain an emergency cushion, etc.. A new car with a reasonably long warranty isnt as bad a deal as people say when you compare against the cars that have had several years of somebodys unknown driving habits -- did they studiously avoid potholes? How long did they ignore a warning light before having something looked at? How much life is left in original tires with 25,000 miles on them? Used cars are that much closer to major service intervals, too timing belts, brake lines, whatever the particular model calls for -- often at the 60,000 or 75,000 mile point. I have loved having new cars within my budget. So, yes you can afford it if you see it as a desirable ting AND so long as your significant other agrees that its a reasonable use of credit that will persist once you are married. Edit: words for sense AND also get insurance quotes before buying -- some cars have meaningfully more expensive insurance than others, so you need to factor in the expense. 