<prompt> Human: Hey PF,So I just wanted to ask for your opinions to see if with my current income and budget I could afford to pull the trigger on buying a new car scion tC. The car is around 21.5 and I would buy with 0 down .9 apr at 60 mos for around 430 a month.Currently I make around 3400mo with my biweekly pay checks. My current expenses include:Gas - 100Car insurance -83Helping mom with mortgage payment- 1000Rent 720NetflixSpotify 20Electric bill 40Watersewage 30Internet 15Groceries and supplies 300Cell phone 140For a rough total of 2450 in expenses. Give or take some for the bills. Im 24 with a job making 66k a year pretax. Live in California and have a credit score last time I checked at 730. Dont really have much savings but havent started to strictly stay to the budget above. I have two cards that usually get used for gas or groceries but Ive laid down completely every month.I have student loans coming up with payments soon. About 5000, that require minimum of 75 a month but was wanting to pay 200 a month to pay down faster. I current have a 2000 Volvo s70 but recently its been costing me some money to maintain. It works fine now but just want to be proactive in pricing and shopping for cars so I dont get blindsided. Please let me know what you think if I could afford the purchase if I stick to he aforementioned budget. Any tips or recommendations are welcomed as well! ThanksAssistant: While I cant speak to your financials -- 430 60 months is a bit high.Have you negotiated on the vehicle? Personally Id recommend a year or two old CPO and save on the depreciation plus your wallet. Human: Scions are pretty firm with the price points. Again the payment is a bit high largely in part because Id put zero down at signing. Ive thought about used, and just have kept coming back to new for some reason. I think its because I want a reliable car for sure and if j own it from the beginning Ill be certain to stay on top of maintenance to extend the life of the car. Thanks for the advice though. Ill keep my eyes on good cpo options  <response>: You can get a perfectly reliable used car. Get it inspected by an independent mechanic. You can want a new car all you want. Its irrelevant to if you can afford it or if its an ok financial decision. 