<prompt> Human: I am looking at buying a Honda Civic EX-L I am currently making 41,600The car is going to cost me around 21,000I have currently 16,000 saved up to buy a new car and I am pulling in 2000 every month after all bills are paid. So I am pulling in 2000 that I do not spend and just goes into savings. Would it be smart to buy the car and finance it and pay off my loan ASAP? Also, would it be smart to buy this car? I have been looking around a new cars for a while and even though this one does not have AWD, it seems like it would fit within my affordability range.Please let me know what you think! I am not interested in buying a used car because I already have a car that works fine however it does not have AC or sunroof or anything nice about it. It was simply a car to get from point A to B when I was going through college.Now I am 22 23 in July working in an IT Company and I would like to be driving in a car I enjoy driving in rather than being miserable during the winter and the hot summer. Please let me know what you think! Thanks!Assistant: A good rule to follow is that you should NOT have more than half your annual income tied up on things that have a motor. This includes cars, motorcycles, boats, etc. The reason is that you are tying up too much of your net worth in things that go down in value. You are buying way too much car. You can get a perfectly good used car that is reliable and has the features you want for a lot less. The average millionaire drives a two year or older car. If you want to be wealthy then do what rich people do. Human: One of the biggest things I wantneed in my car is Apple CarPlay. How would you go about getting a cheaper car with that included?  <response>: You dont. You make 40kyr not 100k. You cant have all your desires met simply because youre firmly middle class. Thats the personal finance perspective. The perspective youre looking for is us to tell you if you can afford it you should do what makes you happy, ignoring any better financial decisions you could have made. Youll likely find within 6 months of buying this car youll be no happier than buying an 8k car with ac and bluetooth. 