<prompt> Human: Im 22 and am in the market for a new car. I have 32k in investments an aggressive mutual fund 79 percent in stock 3k in savings, no debt, and make 36k in salary with a commission structure, but its nominal and infrequent. Trade in is worth maybe 1k. Ive been able to save about 1k a month since I got my job out of college. My thought is to keep my money in investments and finance the vehicle. Is this the best strategy? How much can I afford?  <response>: You should buy a used car that you think you could afford in cash, and then finance it at the current ridiculously low interest rates while continuing to invest. 