<prompt> Human: Sorry in advance if this doesnt pertain to this sub, what are some resources or what is your personal psychology that you give people who: - 14 401k contribution matched - Have a year expenses saved- Mortgage payment about 25 of take home pay- Under 6k student loans - No frivolous phone debt, credit card, etc - Two vehicles paid off no car loanAnd want to buy a new or newer vehicle to drive and enjoy life with? The loan would be 3-400 a month depending on my trade-in values. Its sort of a curse to have vehicles that havent required anything besides routine maintenance because then I could justify a new car purchase. They are just older  <response>: Im usually the first to tell people to do the financially responsible thing. However, Im a fan of getting cars new and keeping them a long time 10 years. Not expensive cars, just new. You seem financially responsible in other areas, so I would do this if it is important to you.But, I wouldnt take the loan. If you have a year of expenses saved, how does that translate to the expense of the car? Is the car less than 6 months of your expenses? Use half of the saved money and trade in value to buy the car. Then instead of a car payment, use that money to build back up your emergency fund.On the other hand, if you are just going to buy the new car and get rid of it after just 3-4 years, probably not a good idea. 