<prompt> Human: Im 25 years old and livework from home with my parents. I pay no rent, no cell phone bill, and dont pay for my own gas. My current car is already paid for 14 yr old toyota camery. my after tax income is 3350month. My only expenses are just eating at restaurants around the city, maybe some shopping at the mall, typically 300-500month total. I have 17,300 in savings. I have no student loan debt or any other debt credit card, etc. Credit score of 770. Once my savings are up to 23K in a few months, Im thinking of buying a used 25K lexus 2013 ES, with a downpayment of 12.5K, and then getting a 5yr loan but then paying it off quicker planning on 1yr. Im not really a car guy, but I would certainly enjoy having a car with a nav system, back camera, leather seats, and aux inputbluetooth system. my parents have had Lexus my whole life and I just really enjoy the experience, and would like that for myself.Now, I know this isnt a great financial decision, but is it really that bad? my car payment will only be about 10 of my monthly income, and i wont have any other bills for the foreseeable future, or until I choose to move out, which probably wont be for a while since I have a pretty good relationship with my parents and always have. And Ill still be putting away 60 of my income into savings.thoughts?  <response>: Thats a lot of money. Putting as much as you can now for retirement is vital, as you start a family tour retirement savings will keep growing. Start diversifying...gold, real estate...how about long term health care. 55k is not as much as you think. SAVE YOUR MONEY! 