<prompt> Human: I 31f am driving a 06 Grand Prix that Ive owned for almost 10 years, but have had a lot of problems with recently. Its had to be towed twice and Ive probably put close to 4K in it in the last 18 months. Current KBB value: 3k. Ive got my eye on a new 16 Mazda 3 Hatch S Touring OTD at about 25k, that I would also like to own for at least the next 10 years. Can I splurge and buy this car?My situation: currently work two jobs one full time and one part time bringing in about 3,600month after taxes. Expenses are 1,210 rent HCOL area, 50 internethulu, 65cell, 75 carrental insurance and 600 for grocery, restaurant, gas, entertainment, etc., so 2Kmonth of expenses total. Im saving the additional 1.6K between retirement and cash. I have a 6K emergency fund, 2K in a life happens fund, and 6k in a car down payment fund. I finished paying off my student loans 48K earlier this year, so currently no debt. Retirement assets of about 62K 25k is Roth IRA and rest is 403b, 401k, and traditional IRACompany 1 FT job pays 2 of salary into 403b and Company 2 PT job pays 5 into 401kthese are not matches, they just do it whether I contribute or not. I usually average about 14 of yearly salary into the various retirement accounts all together. I would like to put 6K down and have qualified for a 19K loan at 1.99 for 60 months. Since its cheap money, my thought was to throw whatever money I get for the old car going to sell it privately into retirement and just ride out the loan and keep investing. With no debt, comfortably saving for retirement and no plans to buy a house or have kids anytime soon, can I splurge and buy this car?  <response>: Yes, you can absolutely afford it. Youll never get glowing recommendations for buying new here. The important thing is that youve done very well to this point. Your financial situation is not the norm. Youre ahead of the curve compared to tens of millions of people, and youve ticked every box of stuff to do before splurging on a new car. 3600 a month after taxes is like 70k a year gross. You can absolutely afford a 19k car note on that income. Its not the most fiscally responsible thing to do, but theres intrinsic value in purchases like a new car after living with a clunker that is unreliable for a decade. Buy your car and continue to spend wisely and work hard, youll be fine. 