<prompt> Human: First of all, I wanted to say thanks to rpersonalfinance for the help last year when I was in a similar debate about whether it was wise to buy a house. Background: Im 23, male, engineer, and a huge automotive enthusiast. Im enamored with the 2015 Ford Mustang and Ive been talking to dealers about getting a Triple Yellow 2015 Mustang of my very own. The thing that worries me from a PF perspective is that the Mustang is pretty much the opposite car than this subreddit typically recommends and I recognize its impracticality.I would like to think Im a responsible PFer apart from this impractical dream. Currently contributing 22 pre-tax to my companys 401k program and have maxed out 2015s Roth IRA contribution. Im saving about 40 of my take home income after expenses, taxes, and retirement are taken out. Me: 65k annual income 2012 Focus, bought new in 2011 and paid off worth about 10k House, bought in 2014, nearly paid off 9k owed to parents 12k liquid cash 45k in retirement accountsI plan to upgrade the bathroom and HVAC of the house this summer, but otherwise plan no major purchases. The car MSRP is 33,010. Ive gotten insurance quotes of 600 6months on my parents policy with myself as the named driver, and the car payment with 10k down would be around 500month or around 20 of my take-home pay. Considering that the car is as much a hobby as it is transportation, I would be keeping the Focus for a daily driver in inclement weather so the Mustang never has to see the salt of a Michigan winter. My question is this: Does a purchase this large for fun ever truly make sense? Given the numbers for my situation, does it seem doable? I cant see anything wrong with the numbers, but that alone is enough to get me worried. Does it make sense to halve my savings rate for it?  <response>: Can you afford it? Probably. Should you buy it? Depends on your priorities. Dont focus on the monthly payment; focus on the out the door price. When you focus only on payments you get a bad deal. 