[strat61caster]

imo it's a bit much given your current position, you are thriving off low living costs and you seem to think those will not increase over the next 2-5 years which it will take to pay off the car. You seem like the perfect portrait of someone who overestimates what they can afford and ends up needing to sell the car because unforeseen circumstances mean you can't pay for the car, on the surface anyway.

If you are living well within your means and saving and have a safety net (your bank account should not be zero after plopping $7k down on this thing) and are saving for retirement then there's no reason why this won't be an awesome decision (except when you realize that's a good chunk downpayment for a house just about anywhere, hell even an entire house in some places).

Personal tips, I would buy used, try to find one for less than $20k, imo no prior owner will abuse it any worse than I will. When I financed putting a downpayment >1/3 of the car amount resulted in a minor improvement in interest rate with Toyota Financial Services and in doing so GAP insurance becomes unnecessary (don't let them try to sell it to you if you don't need it, they tried to sell me when I put down >$10k, literally would've been throwing money away on that). Personally I paid mine off in ~16 months (60 month loan) saved a couple hundred bucks in interest and haven't had a car payment in over a year, feels good.

Insurance could be $40/month or $400/month, get a quote, could be the difference between keeping the lights on or driving to work depending on how your circumstances change. Just grab a VIN off a dealer site if they need it for a quote.