<prompt> Human: As the title states. Im 30, a dad, a husband, and I drive a Kia Hybrid daily driver. I used to have a fast fun car, I miss it.I want an Audi S5 Convertible used, 20k. I can afford it, but I feel like im being frivolous as I have a family now, and this is a 20k toy for me mainly to replace a motorcycle. Wife is on board too.The Finanicals: Save 600 a month Cash. Save 650 to 401k investments Save 200 a month in investments. Save 100 a month for Daughter investment account. 1550 saved for those counting. After bills Including cars, insurance, mortgage, all billables I have 1500 Leftover for Gas, Groceries, and fun money. We dont eat out much, and live within our means. We live frugally so this is very much a ridiculous expense.TL:DR- Financially healthy 30 yo seeks to have midlife crisis by spending 300 on a used convertible and throwing go-fast bits at it. What do?EDIT - wife works, throws in another 400 a month into 401k. We also move cash savings into personal investments occasionally to keep a balanced portfolio in my bunghole but also make money on long term money.Edit2 - Yinz threw out some sage wisdom here and put some things into perspective. PF and Frugal have gotten me to a point over the past few years to where I am even able to ask this question. I think the answer is Im going to save up excluded from current savings a more sizable down payment and kind of meet in the middle with financing. That way I get it sooner because im 9 years old and cant wait But i dont add 17k in debt. Thanks Guys! Edit3 - I couldnt leave my car guys hanging. Why an S5? Basically I want a 4 seater convertible with forced induction. I already know Germany cars pretty good so it seamed like a logical choice. If I were going to get a 2 seater honestly Id just buy another bike, having a baby makes that impractical, even by my standards. At least with the 4 seater we can always take baby with us, and hopefully she enjoys it as much as we do. But I want to answer a few quick questions: -Already have 2 practical cars, Hyundai Santa Fe Turbo, Kia Optima hybrid. Not looking for a daily. So that also deals with my attitude toward reliability. Theres always ebay and wrenches. -Emergency fund is separate and 6 months bills. -Ive conquered the flowchart! thanks for that btw, very informative. -Already lost the bike a few years ago. Thanks to a geriatric blowing a stop sign that hurt, dress for the slide folks. Miss it, but its just not in the practicality scheme right now. -100 Octane gets me 70 more horsepower on that engine by switching from 93-100 tunes. And its easily accessible around here. -Hi my Kiwi friend. Its not that I mind small cars, I really enjoy them actually. That car is something that just does it for me, the exhaust, the supercharger whine, and 4 seats. Its a big heavy pig, but its still fun. Anyhow thanks again Gents! and ladies.  <response>: If the most popular opinion of rPF ran the world wed all live with our parents, never have kids, and drive 8 year old toyotas. The big thing ive learned from my years is that spending isnt a regret, but overspending is. The key difference is the amount you spend, vs the enjoyment you get. If youll love it go for it. Understand your costs and more importantly your opportunity cost. Yes, your wife supports it. But does she support it if it means you wont go on a vacation annually? Does she support it if it means youll work another 2 years before retirement? Theres nothing wrong with luxury goods or discretionary spending. Just make sure that you recognize your priorities and that they are on a good path. 