I would suggest you get a used car. I would buy something that is 2-4 years old. Now financing can be hard for older cars so the interest rate will be a little high, but you dont lose so much on depreciation like u do on a new car. You also have to consider maintenance cost like tune-ups, tires, oil changes etc etc. Then you want to consider of you want your family to grow into the car. You also can get a lemon out of any make and model. You also have to consider re-sale for when you sale the car. Pick up a consumer report magazine for cars and trucks. A must read for anyone who buys a car or truck. It will show you the best years for cars and trucks. With all this said, Camry years 2002,2004 and 2005 are the best for that model, you cant go wrong with a Saab or Volvo but the maintenance is high on those cars. Acura is a darn good car and so is a Lexus. But I would stick with a Camry if considering all things.