<prompt> Human: My current car is draining my bank account and racking up debt on my credit cards because it keeps needing repair and I thought it would be fun to buy an older BMW X3.Ive been looking at a newcertified Toyota TacomaIn the 30-36k price range and find myself wanting the new truck with 0 miles at 36k instead of a used truck with 50k miles for 30k. My finance situation:I am 25 and make 70k a yearAll my outstanding debt amounts to about 48k with student loans, car loans, and a small personal loan I got when I moved across the country for work.Monthly payment for loans compiled 600Rent875Utilities150Subscriptions30Car insurance120I keep getting told I can afford the new truck if I can afford 500 a month. But I can I? Its less than 10 of my pre-tax income, it just seems like a lot. Im worried Ill just want a new truck in a couple years if I buy used and if I get the new truck I want I can see keeping it for several years or until it does.The nice part on a Tacoma is they dont depreciate all that quickly and retain value. But I dont want to drain myself with a car payment that is too big. I spend lots of time off-road and outdoors so this will enable lots of entertainment and happiness.Ive walked out of 4 Toyota dealers this week and just cant decide, is it worth it? Can I afford it?  <response>: No, you cannot afford an expensive new car. You cannot even afford the repairs on your old car. You apparently still have old car loans that you need to pay, plus student loans, a small personal loan, and credit cards.You are pretty deep in debt.The salesmen who are trying to sell you a car are not the persons to trust when it comes to whether or not you can actually afford the car that they are selling. In your case, I would either keep the old car and pay for a repair every now and then while paying off the debts, or perhaps buy a secondhand car for 5000-8000 and then continue to pay off all debts. Youll probably have to take a good hard look at your budget and start spending less in other areas as well, get a better grip on your finances so that you can pay down your debt with your pretty decent salary. 