12 years ago, we did something foolish, as 19 and 22 year olds are known to do. It is the faux pas of many a young military couple, and we fell into the same trap. We bought a brand new car with a massive loan, a 2007 Toyota Prius. We named him Baxter. My “responsible” 30-something self would counsel anyone at that age and in those shoes to just say no. It’s not a good idea to have a car payment that big, your husband is only an E4 and you don’t have a steady job, I would tell her. You still owe on your trade-in, that loan is too…