<prompt> Human: I bought a overly expensive BMW when I was 19, with not much in the bank, I had a nice car before that was almost paid off but I wanted the hot car! I was making decent money for my age with not much expenses so I financed almost the entire thing. Ive become alot more wise since then financially and look back and laugh that I would make a financial decision like that, I got a interest rate of 12.5 at the time, and refinanced to 5 2 years later. Its been a good car to me, and I finally paid off the last 7k this week. It feels really good not to have car payments now and be debt free. It was a good learning experience and I think Id only pay cash for a car again. I have a good amount saved now at 23 and have learned alot about finance browsing on this subreddit for the last few months. tl;dr Being debt free, feels good man  <response>: Wish rappers could rap about this stuff. I got a 12.5 interest rate, but I got that bitch down to five. 