<prompt> Human: I have a 50k a year salary and no debt and still living at home at the moment, but will be moving out in about 4 months. I have no debt and dont have to pay anything right now except my car insurance.I have a car that I drive now that has a value of about 3k trade in and I was going to put my 5k sign on bonus as a down payment and finance the rest. The car I want is used and priced at 37k sticker so I am hoping to get them down to 35k at a minimum. This is logical in my situation, and will I be strapped for cash?? I know I might have to buckle down in other areas but I have never had a good car and would really want something that will last me for many years to come.Thanks for you help!! Feel free to ask any questions that will help clarify my financial situation.Assistant: Does not sound like a good idea at all. What would be your monthly payment? You could get a reliable, NEW car for much cheaper than 35k, why would you pay that much for a used car? Now, used can also be reliable, but it should be much, much cheaper.Human: Around 500. And its a 2014 Lexus is 250 f sport  <response>: You should be aware that Lexuses are expensive to repair. Theyre reliable, but the parts are not cheap, even if you do the work yourself. If you take it to the dealer, expect to be squeezed dry.Everyone else has already given you the fiscally responsible advice so Ill give you the slightly more reckless advice. Spend the next year saving 10k, and then buy an older IS 350 because its 306hp vs 205hp. You can get a 2nd gen IS 2005-2012 for 20k or less. If you put that 10k down, your payments will probably be 200mo or less. And trust me, I own a 2nd gen and looked at the 3rd gens when they came out and theyre not a 15k upgrade. 