<prompt> Human: 36 married with a kid probably coming into the picture soon.We bring home 5700 a month. We have fairly low expenses because I put all of my capital into a foreclosure a few years ago. She has 27k in student loans and there is 57k on the mortgage. We put 2400 a month in savings, 1200 goes to bills and the rest is discretionary. Gas, food, unexpected bills, pets, vacations...I have around 185k in investments and around 17k cash. I have around 100k equity in the house and I also hold another long term real estate asset valued around 100kit only pays for its expenses. I think we are both putting 13 into retirement. Last year I bought a newer low mile car from a family member for 9k. Perfect vehicle for hauling us, maybe a kid, dogs, etc.. This was to eventually replace my wifes 17 year old rust bucket.I was driving the new car, but now the wife has now taken it over. Im driving my 15 year old work truck. I live in a city and I much prefer to commute in a car.Im looking at buying a vehicle for about 13-15k and selling the rust bucket for 1-2k. Ive driven cheaper older cars most of my life and I would really enjoy to have something I like and like to drive. I already have a plan to borrow the money from myself and pay myself back easily within a year. Would it be irresponsible for me to drop 15k on a vehicle in my current situation?  <response>: I already have a plan to borrow the money from myself and pay myself back easily within a year. Would it be irresponsible for me to drop 15k on a vehicle in my current situation?BUY THE CAR!! I mean, it sounds like you have already made a decision. I think its a good one. Logic is sound and it sounds like a stable situation. Id go more for the lower range 13k because you only have 17k in cash. But youd be surprised at what you can get these days - technology has improved so much that even the low-end cars are huge upgrades especially to your 15 year old work truck! 