let me crush all those happy thoughts! NO CAR PAYMENTS!! if you cant afford it you cant have it. NO CREDIT CARDS!!! play with snakes and you will get bitten. your young and starting off wrong. keep the 6 pay it off if you owe and save for the 55. with no debt and a good job money comes fast and within 2 yrs you could have enough to pay cash for a nice sedan and let me tell you the deals come fast and often when cash is offered . just my .02