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and FWIW, you want to avoid debt. The best advice I can give you is to wait a few more months at your new job to see what you'll be pulling in monthly, see how much you'll have left over, then talk to someone a bit down the road to see if you can get a GOOD RATE (if you HAVE to finance it), and most importantly, a monthly payment that you can manage (WITH a little breathing room). If getting all this figures out costs you this deal, you'll be better off. As a few other members have already said, there will be other equal, maybe better offers. It took me over a year to find my Z, and it still not EXACTLY what I wanted, but I got a decent deal, and still love it, and I'm confident that I could find another one in similar shape for a good price should I need to, and so can you. Best of luck!!
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