<prompt> Human: Ill give you the rundown as best I can.Were both 30.I am a college graduate with a decent job--not the best but not the worst. I make about 45k or so. I have 8k in college debts. We bought a house a couple years ago for 201k; weve paid it down to about 190k--I think the payment is something like 1.1-1.2k monthly. I have something like 14k sitting in my--no shit, dont laugh Im lazy and why would I change something thats working--037; student checking account. I have something like 13k in a 401k.She makes about 46.5k or so. She bought a car in 2015 and has it paid down to something like 2k . She has about 5k in a savings account; and about 17.5k in a money market account. Her checking sits at around 1.5k when all the bills are paid monthly. She also has something like 13k in a 401k.I need to buy a new car soon, as my car was old when I bought it and its aging, preferably a Subaru XV thats a manual--the used ones like 10 in the entire US that I can readily find are only a couple grand cheaper than new, so Id like to do a new one since its basically the same amount of money. This will be something like 24k list price I havent ever bought a new car before so I have no idea what that even means.The way this ties in is that we need to figure out what to put down on this car as a down payment, as well as what to do with the rest of our money as a combined sum investmentCDsavings, and how much fluid cash to keep.Also, since Im sure this question will come up, we are NOT having kids we have pets--come at me bro.We her are pursing higher education, but for the most part its covered through her work, making this a negligible expense.Can anyone suggest podcasts, give advice, send YouTubes, etc. please?EDIT: age and 401ks. Whoops.EDIT: what were looking for!  <response>: With your salary, the car isnt a smart idea. Again, thats my personal opinion, but it doesnt seem like the best choice. Also, why did you not talk about your finances before you chose to get married? I feel like before youre committing to someone for the rest of your life you need to make sure youre on the same pagein order with your finances for retirement. Youre both relatively low on cash, but all I could say is save as much as you can for retirement while paying down your home and dont buy a car thats worth half your salary 