Until your older than 40. The young guys have new cars. I had new cars back when I was young, but the service dept. at the dealership broke me of that back in my 20's. Credit cards was another on of my down falls back then. I say buy a used vehicle and pay the balance of your credit card off every time it comes due. Last payday Cheryl put $700 in savings, today she put $1900 in savings. This is real little sons. We have to save for retirement and to use that money to have fun with. We are going on a cruise to see Carnak in January. Does this make sense? Roy