<prompt> Human: Two weeks ago my car was totaled. It was a 2013 Honda Fit, paid off. Came at a great time, actually, because I have been wanting to trade it in for a truck. I climb and go camping a lot, and a truck just suits my needs better. Narrowed it down to a Tacoma because they are very reliable and hold their resale value tremendously. I recieved a check for 8,600 roughly from my insurance. I have 11,800 in savings, and will can put some of that towards a down payment. I was considering a max of 5,000 from this account. I work in education and make 85k a year, and my monthly net take home is 4.5k. After essentials, savings, and retirement, I have about 1k left over per month. I found this Toyota that meets all my needs, 16k miles on it. I have good credit, and our union won us a 10 raise over the next two years. My calculations make it seem that I could afford this choice with a 48-month loan.Im pretty torn on this. I consider myself pretty frugal when it comes to big purchases, and while I think this would be a great vehicle, I cant help but feel it would be more economical to buy something much older with more miles on it. Ive never made a purchase this big before, and Im not 100 sure how to evaluate if it is going to be worth it compared to buying something cheaper and much more used. Any advice is greatly appreciated!  <response>: My advice - I think its the perfect vehicle for you to buy.Its not brand new, so assuming you are paying the right price for it, some other sucker took a chunk of the initial depreciation for you.Your financial situation suggests you can afford this. It doesnt seem unreasonable. Personally, I like newer used cars because the technology is more up to date. Id go for it if I were you. 