<prompt> Human: I currently make 70k gross, and around 78k after bonuses and what not. The bonus is guaranteed, I get 25 of it every 3 months.Anyways, I currently spend about 850 a month on rent and utilities.I dont really budget, I just save what I think is a good amount and feel free to spend whatever is left over. I currently put 9 towards my Roth 401k 12 if I include the company match. I put 200 a month towards a Roth IRA, and 200 a month towards a personal investment account. I save 800 a month that goes to a money market account.The car would be 37k out the door, maybe a little less depends on negotiating. I would be putting 5k to 10k down and financing the rest havent decided how much down yet. It would raise my insurance from 500 6-month premium to a 950 6-month premium.It is a brand new car.Edit: I should have clarified, for the sake not explaining I just said brand new. Its actually a year old but only 100 miles on it. Dealer has it marked down 10k from MSRPI currently drive a Tacoma for daily driving a d wanted something different. Not selling the truck. Edit: I am 25.  <response>: What type of bufferemergency fund do you have?Financially, it seems like you can afford it. Although it is a bit pricey, if its something you enjoy, its worth it.If you dont have a decent buffer 3-6 months living expense and an emergency fund, Id suggest putting away cash for that before plopping down a payment and raising your fixed expenses.Never know when you might need a few thousand dollars on short notice. My car needed new tires and brakes before inspection last year. Its 500-700 for a car like a Civic, but I spent 3-4x because of the car I have. 