Another important point to bear in mind: Just because the lenders, the "grown-ups," will agree to lend you a great deal of money for a car or a house … does not mean it is a good idea to make the purchase.
Those same grown-ups irresponsibly loaned massive sums of money on bad mortgages not so long ago … and nearly brought the entire western financial world to its knees. These bankers regularly encourage people to borrow more than is wise. They are not your friends.
You are wise to have "cold feet."
Listen to your feet.
