I just graduated college and thankfully got my dream job with a big company for engineering. I am currently driving a 2015 VW Passat 6M. My father got me the car after my MR2 kept trying to kill me. The passat has a small remaining balance in which I was going to take over, but my father also suggested possibly buying a totally new car to build credit and not worry about maintenance.

I am currently eying a 2020 VW Jetta GLI. Due to current rebates, there is currently 0 % finance. I also get $500 being a new college grad and then another $500 through company incentives. I also was offered a 2 year maintenance with 6 year extended warranty. I am currently paying $300/month for the Passat. With all the deals with the GLI, I am looking at $400/month for 72 months, which is well within my living. I am just wondering if its worth it to buy a new car. I am only 22 years old, I am not sure I should be spending this kind of money recklessly. The thing is that the Passat is at 68k miles, and I know that I will have to deal with an expensive clutch repair, belt replacement, and other expenses (like tires) very soon. The cost will definitely rise on the car, while buying a new car would create ease of mind. The GLI is a very fun car, and I would definitely own it for 5-6 years, but I also do not want to be reckless in decisions. Just because I have money does not mean I should spend it.

I know most will say that the proper decision is always to buy used, but the current incentives are very intriguing.

submitted by /u/SavitarF35

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