<prompt> Human: Hi Reddit! This is my first post, so I hope Im abiding to the rules in making a post.Anyways Im 20 years old and Im thinking of buying a used truck. My budget is 12,000. I did some research and if I get a car loan from a credit union, the interest rates are very low. Which is great at first but I also found out that you HAVE to get FULL coverage auto insurance. And obviously thats like 120 or more including the auto loan payment which is maybe around 300. Thats 420 every month.Im a painter so I make 12 an hour. Thats my second raise in 6 months. My boss told me that once I begin to paint like a pro, hell pay me 13, and tells me Ill get payed even more if I keep trying and doing my best. But like all construction jobs, theres times where I wont work for a week max.Anyways, Im also planning to get a personal loan of 12,000 max. Buying the car and get liability or better insurance, instead of getting full coverage. Im planning in getting that loan in the beginning of next year. I have credit card debt which is 420. I get payed like 389 in a good week, where I work all 8 hours, Mon-Fri.I typically pay 300 of rent to help my folks out, and once in a while I pay the cellphone bill which is 90 and same thing with Internet bill which is 40.Can you guys give me some suggestions. Especially about the personal loan Im thinking of getting. THANKS AGAIN!I found my credit score from April of this year:Transunion: 679Equifax:662.I posted it just to see if it means any good.  <response>: Nope. 12,000 is too much for you. On a good week you make 389? How bout an average week. Im going to say 300 a week. 1200 a month. 14,400 a year. How long do you want to be paying off this truck for? How long do you think youll be living at home for?Listen. Youre golden, pony boy. You already have a good job and you dont really have any debt. Get something reliable and cheap. Watch that bank account grow and grow. Shit man... No joke. 20 years old, a good job and no debt... I wish I was you. Slow your roll. Play it safe. You are already way ahead of the game! 