<prompt> Human: I just left my job making 52,000 and started a new one making 66,000. Ive had my car for just over a year and a half. I still owe about 10,000 on the car and at this point its likely worth about 7,500. I currently pay 200 a month to finance the car. Since I will now be commuting by car instead of by train, I really want to treat myself to something nicer. I want to lease a new luxury sports sedan to a tune of about 550 a month with the remaining amount owed rolled in. Be honest with me, how terrible of an idea is this? I know that logically its not that great of a move financially, especially going from owning something to leasing, but I also feel as if I am making a huge step forward in my life and want to treat myself to nicer things. Thoughts?  <response>: If you treat every pay raise as an opportunity to spend more on things you dont really need, you will actually never get ahead, you will just have more stuff you dont really need.If you treat every pay raise as an opportunity to put more towards your retirement, you might actually be young enough when you retire to enjoy it. 