<prompt> Human: Ill turn 23 this year but I have imo kept decent finances.12k in emergency fundMaxing out my 401kputting additional min 2000month into my vanguard accountNo debt.Would it make sense for me to get an S4 and pay it off in next 3 years? If I get a loan to finance it, the Apr is 1.24 from my credit union.I would like to buy a new car. Thanks.  <response>: I wont speak to the financial sense of it, but let me tell you from experience, you will tire of that car quickly. After 3-4 months, it will just be transportation. It took me a few times of buying nice cars to understand this. So much money wasted... 