<prompt> Human: Hello everyone Im new so please be gentle. I am 23 years old and love at home still, my home life is great we have a few car but they are All getting a pretty good amount of miles on them and 2 are just toys. We have an 08 gmc truck with 250k miles mechanical run great. We also have a 2001 Tahoe with almost 300k miles. Its just time for a newer one, my question is would it be wise to trade the older Tahoe that we own and trade it for the much more nice denali the denali is 18,900 dollar and Id have to my mom cosign It will be a family car whoever needs and wants it can drive so I dont mind a cosigner Im just young and dumb and have fucked my credit up and I dont want to cause my mom or dad any trouble if they cosign for me.  <response>: Co-signing for someone self-described as young and dumb with fucked up credit sounds like a terrible terrible idea. Why exactly do you want a luxury SUV? In general I would advice against buying such a car if you cant even acquire financing on your own. 