<prompt> Human: I currently drive a 96 Nissan Maxima with 191K miles on it. I have had this car for 7 years and it is running into repairs every 3-6 months. I started working full time a month ago. Last week at a dealer I saw a certified per-owned 370z with really low miles, its bumper to bumper and power train warranty is still active. It costs about 28K. I can get it financed for a monthly payment of about 500 with zero down payment. I make 2700 a month net income. My monthly expenses come up to 1200-1300. My credit score in mid 700s. I have always wanted to buy a 370z. Is it a sound financial decision to buy this car at this point in time? Or should I wait for some more time and save enough money to make a good amount as down payment to reduce the monthly payment?  <response>: While getting a different car would be a good decision, I cant in good faith recommend that someone spend 28k when he only makes 40k. That ties up a lot of assets in the car.Understand, Im not saying you shouldnt buy one. Just that you shouldnt buy one now. Save up some money for it. Those 370zs arent going anywhere anytime soon. 