<prompt> Human: I want to build my credit for a larger purchase in the future house. My husband has good credit. We own 1 truck and we are financing an SUV with manageable payments jointly.I want to get a car to save on gas and because I just like driving a car. Trading in SUV NOT an option. Here are my options:1 I am looking to either get a beater car had them in the past that I can pay for with cash and have lower insurance, said car has almost 200,000 miles, like 1800.2 I can buy a 2 year old car with 50,000, pay half down and finance the rest to build by credit but have a slightly higher insurance payment. Car Im looking at is 9500. I just want something to commute in thats easy for me. Im 53 and our SUV is very big but needed for certain situations. Would like some advice. Thanks! FIRST POST ON REDDIT! :D  <response>: I want to get a car to save on gas.There are two of you and you own 2 vehicles already. Even if you get a super efficient car, it would take you tens of thousands of miles just to break even at the cost of adding third vehicle. Lets say SUV costs 12 centsmile. And new car gets 7cm.It would take you 36,000 miles to break even on 1800 car, and it would take you 190,000 miles to break even on 9600 car. And this does not include insurance on third car. From purely financial angle, this is not a sound purchase. 