<prompt> Human: Im 27, I have 30k in my retirement fund, and 50k in other investments and savings and am currently making around 150k just received a sizeable raise earlier this year. I am looking to replace my car which is pretty beat up. I was thinking of spending around 15k on a reliable used car. However, I recently came across a car that is sort of my dream car at least my realistic dream car but it would cost me about 25k. If purchased I would take out a 15k loan at 3.74 and put 10k down. I could obviously pay the car off cash but id rather have the money invested and pay it off over the next 3 years. The thing keeping me from doing this is that I obviously dont NEED the car and it would be a splurge. However, the way Im thinking about it is that Im 27 and I plan on having kids at some point in my early to mid 30s. Ill be purchasing a house at around that time as well and this kind of car wont be reasonable 2 door coupe. Ive held off on buying a car since high school and this would be a bit of a treat for myself. Anyone ever been in a similar situation? What choice did you make? What would you recommend I do?  <response>: Buy car. Be happy. 