<prompt> Human: Short of it .. car is 45,000. Monthly payments are 790month over 5 years, with nothing down. I am 28 years old.I gross 89,000 and take home, after my 4 401 contribution I dont get a match, about 4,612month. Work covers my health insurance.My fixed expenses:Rent 915Utilities 135Phone 50Monthly Roth-IRA Cont - 450Student Loan - 150Food 500Entertainment 250Travel Stipend for yearly trip 200ClothesCoffeeMisc Stipend 100---Total 2,800That leaves me about 1,600 for discretionary spending. I have enough cash to pay off the remainder of my student loan and free that payment up.I estimate the total of car 1,000month which includes insurance, gas, and monthly payment some left over for maintenance.Would leave me with 600month to put into savings in addition to the retirement contributions I am making already, which is currently 785month.Can I afford, or am I skimming it to close? Another option is a 30,000 STI I have been eyeing. Regardless, I need to purchase a vehicle for work.Assistant: Initial thought is that 45,000 is far too much. Having said that, your expenses arent too bad for now. A couple of things:- Hows your retirement balance? Youre saving the my minimum amount for your age, so if you started late, you may need to give that a boost- If you have cash on hand, any reason why you still have the student loan? Youre above the AGI to deduct student loan interest, so if youre paying over 6 for those loans, Id get rid of them- If you get rid of that loan, do you still have an emergency fund?- What are you other goals? You cant really save too much for a down payment on a house. I know that alone kept me to non-45,000 when I was your age.All in all, its a pretty hefty commitment. Im sure youre aware youll lose tons in depreciation right off the bat, and thats okay so long as youre planning on having this car a long time.And curious, whats the car? If youre looking at an STi, Id say AWD... Audi?Human: Also, the car Im considering has hit its depreciation floor and is not likely to devalue further.  <response>: A daily driver that will not depreciate further? Where will you get the unicorn farts to fuel this bad boy? 