<prompt> Human: Well I really want to get the 2016 Camaro 2ss, but being a first time buyer might be a problem. I have 2 credit cards which I have had for about 6 months. I could also put 10k as a down payment. Anyone else go through this? Id love to hear from you guys and what options you had.P.s how much do you all pay for insurance?  <response>: You cant afford a 40k car when making 55k. The depreciation will kill you if the car insurance doesnt. You should be looking at 20k cars. What is wrong with a 2012 version? 