<prompt> Human: Regretfully my beater car is already dying and isnt worth keeping. I get 8mpg I fill up about 1.5-2 times a week for very little driving. Ive been looking at a 2016 VW Jetta Sport, it has everything I want in a car except power seatswhich I really dont need lol, and can get it at a good deal. 17K6K below MSRP before taxesfees. So it iwll probably come out to around 19K after all that. I have a cosigner with near perfect credit and the salesman said I should be able to get 3-5 interest.Personally I was never planning on buying a new car this early on, but this price is very enticing. I know this isnt the absolute best decision I can make with my money and I should probably spring for a 7-9K car but Im tired of worrying about my car, I have a lot of stress In my life and, in my mind, Im basically paying a premium to have one less thing to worry about. Im not very confident about this decision and want to know if its an okay decsion, or if its a very bad decision.I am very good with my money, and the amount of money I spend in gas nearly offsets the cost of the car loan, before accounting in the gas I spend on one of my hobbies, which has me do 70 mile trips 2-3 times a month. I have not factored in increased insurance costs yet which may be a deal breaker. I currently pay 121m in California for my 2000 Buick Regal. If it goes over 200m its a deal breaker.Car loan should be between 290 and 330m, I plan on matching whatever money I put into that and place it in my savings. If I accumulate enough money Ill pay it off. The interest is only 23002 years and Id rather have higher financial security than try and make double payments every month and shave some of that off. I want to try and pay the car off within 2 or 3 years if possible but it isnt a given as new expenses may pop up.BACKGROUND: 18M community college to save moneymore like I didnt do my homework in HS. Make just over 1000m after taxes in a job I enjoy No housing expenses, very limited food expensesabout 90 of my food expenses are from deciding to eat out live with father. Should be able to get a large chunk of my taxes back during returns. I have maintained 3 months of expenses in my bank account since I got my first job several months agoswitched jobs recently, got a big pay increase However putting a down payment on the car will leave me with only 1 month of expenses though I should be able to recoup most of that within 1-2 months.EDIT: FormattingUPDATE: After reading all your comments Ive decided to hold off on buying the car. This also gives more time to save money up, and Ill just have to suck up the gas costspun intended for a few months, and then touch base again. Ill try and save up 5K and work from there.  <response>: I am usually just a reader and not commenter in this subreddit but this situation is almost identical one I went through in the past.Dont do it. It sounds great now and having the new car will be nice for a while but having that car payment will dictate other more important decisions you make in the near future. Just get a used CivicFit or equivalent and call it a day and then revisit your car situation after youve moved out and have a better idea of your finances. To put things into perspective, I bought a new Jetta at 18, with a cosigner, almost identical loan numbers, before I moved out of my parents and then had to deal with how to get rid of the loan after moving out on my own because it was just eating too much of my expenses. I ended up eating 4k of the loan getting rid of itThe choice isnt between your Regal and this Jetta. I made the same excuses you did about reliability, stress, etc. The stress of having that car loan on top of other living expenses that are coming up fast is going to outweigh the stress of a POS car now. Stay flexible. If youre the type of person that stresses when you dont have to worry about supporting yourself then do your future self a favor and get a used Honda.One other thing that might not apply: All of the girls I ended up knowing didnt care about my car like I thought they might. 