<prompt> Human: Long story short my car went out, so I traded it in for a new car. I was told my credit score was 780. I have been using a compass secured credit card and paying it off to build credit.Now I have 45K saved up and around 8K to 12K in cash from tips from my job and birthday money from the last 20 years. Majority of the money is birthday money. My biggest pet peeve is using money from my bank account. Obviously Ill use it for gas to build credit or for a big purchase but Id rather not touch it. I normally pay cash for everything. Restaurants, groceries, clothes, etc. I talked to the finance guy from the dealer and he said if it were him hed just buy visa gift cards using my tips and pay off the car using that. So heres the stats for the car.Total amount owed: 11,698.80Interest rate: 5.74Monthly payments 194.08He suggested I finance the car vs buying it to build even more credit. Any suggestions? I have decided to start saving around 20 a day out of whatever my daily cut is. Thats an extra 6K a year in savings. Im 24 and work full time 5 days a week 8hrs, making around 25K to 30K a year depends on my tip count but thats the average. Obviously at some point Id rather find a better job to make more money. This jobs less than 10 mins away from my place and zero traffic so I have been here for three years to mainly just save up. I have insurance with them and a 401K plan for the past three years.I guess my main question is financially should I keep paying monthly for 2 years and then just pay the rest off? Or how long should I wait to just fully pay it? Any advice on saving money besides my current plan?EDIT:My car that broke down was traded in for a NEW car. I am financing a car.Old car 2008 bmw New car 2014 Passat  <response>: I wouldnt touch Visa gift cards with a 39 and a half foot pole. Too many stories of people getting the cards and then discovering they cant be used because someone else was able to glean numbers off of the card and use it ahead of time.As much as you dont like to withdraw money from your account ... get over it. Sometimes you need to withdraw money, and if this is one of them, then so be it.Of course the finance guy is going to tell you to finance, thats his job.Frankly, if youre in the position to be able to take a wad of cash out of your account and say heres money, give me a car oversimplified to make the point then you should do just that. 