Helppp!
#4
Why does it have to be a rubicon? Think about your driving style and what you will really use it for and then ask yourself is a rubi really what you need or do you just want it because it says rubicon on the hood.
#5
Start saving as suggested and build up your credit line. Get a small loan and pay it off on time. No late payments. Same with a credit card. Get a small line of credit and make payments on time. Eventually, as your credit rating increases, you will be able to increase the limit on the card. Be responsible and don't buy things you don't need with it. Just buy things you were going to buy with cash anyway. Takes some time but you'll get there.