<prompt> Human: Ill make this simple: Im 30 and about to start a job earning 300k. My fiancee is a similar age and also about to start a job earning about the same. Both of our income is likely to go up over time. We each have 200k in loans. We have no immediate plans to buy a house or have kids.If Im saving 20, can I buy the dream car Ive always wanted for 60-70k?  <response>: It sounds like you and your fiance are finishing your residency, andor getting to a solid point as a lawyer in a large firm. Its too early for you to buy a stupid car. Keep your current med student car, or if its expiring, go buy a used Acura or Lexus for 15,000 if you really want to go crazy, but a 2013 Civic with very low miles will go for that 15,000 all day long.Pay down that debt aggressively, especially any of it thats over 5. Get yourself a lot closer to being above water before you start thinking about that Porsche, Nissan GTR, Jaguar, etc. First, because the purchase price is just the BEGINNING of affording the car. Between maintenance, upkeep, insurance, etc. you can quickly trap yourself, especially on a car that depreciates as heavily as the one youre looking for. Second, you dont know how your job will be. Get settled first, become comfortable professionally, get some advice from older peers in your profession, etc. You might want to switch gears, or locations, etc. Or, it might not work out for some reason. If you continue to live like you do now, then you should have no trouble paying off those loans in no time. If you get 30 of them gone in the first year, then yeah, maybe look at rewarding yourself when you re-assess. I feel that youll find it much more important to use that money to grow your wealth, take vacations, etc. Not that you wont still want that car, but I want you to have a solid foundation first. 