<prompt> Human: Let me start out by saying that my goal isnt to be as frugal as possible. I dont want to live off ramen, I dont want to live in a shoebox, and I dont want to drive a 10 year old corolla with 100k miles. Ive been blessed to have a job thats in-demand and I get paid pretty well. I also work hard, and dont feel like I have a need to retire early. Im okay with spending more. However, I also want to make financially sound decisions. I dont want to look back at myself in 40 years with regret.With that said, Im pretty terrible with balance. Im the type of person who will either buy a 20 year old Corolla, or buy a brand new Lexus. I struggle with picking a balanced option. I usually look to generic rules to help me make decisions.A rule that that I found is not to spend more than 10 of your monthly take home income on your car payment, gas, maintenance, repairs, and registration fees. I think this is a standard and recommended rule. I think this rule will make me make a financially sound purchase, while still giving me the freedom to buy myself something nice. And as my income grows, I can buy myself something nicer. I know that sounds weird to some people, but at the same time, Im not trying to live off ramen. Im okay with rewarding myself.However, this rule encourages me to take as long of a loan as possible. It also encourages me to not make a down payment. But, why is this a bad thing? If I can keep my total car costs to under 10 of my monthly income, including gas and repairs, over the entire length of the loan, why is that bad? I know Ill be paying more versus a shorter loan term. I know that a shorter loan term will have lower interest. I know I might be upside down at some point. I know Im not getting the best bang for my buck. I understand the math. But why should I care?For context, Im looking to buy a 2017 Honda Civic CPO for 23.5k with an 84 month loan at 6.14.Im posting because I still feel guilty about making this purchase. rpersonalfinance constantly shits on loans this long. I want you to tell me that I have terrible logic.Thanks.EDIT:Alright alright. You guys have convinced me. I think I sounded sounded abrasive in my OP, but that wasnt my intention. Im honestly here with an open mind and just trying to learn.  <response>: 84 months?! 6?!?Good luck. 