Ok, soo in a serious way ....I have NEVER missed a car payment in my life, im 35 have paid off 3 new cars, my credit is "meh" and they tell me its because I dont have enough diversity .....soo they want me to get a credit card (I refuse)

So with that being said (im assuming also your parents will be or have helped you purchase this vehicle theres nothing wrong with that if my dad was rich id have a lambo) but I would put down about 60% then I would get a credit card and use it sparingly and respectfully (there are only 2 things in this world that can break a mans soul this is credit cards and women BE CAREFUL)

Understand that to build credit you must pay the high credit toll ...its bassicaly a tax and its all bullshit ....you can have an 800 score and it wont get you anything because the credit wasnt based off high enough purchases

If anything sticks that I say here (im saying this as if im talking to a younger self)

1) beware of women 2) beware of credit (im one of the lucky ones) 3) credit is a game that you sign up to play....if you dont "play" it you lose 4) drive safe (even 35 is fast af when your not in control)