<prompt> Human: I am at all point where i received a raise, plus i am making some decent 2500 last month commission. I currently have 7000 owed in line of credit and i really want a new its used vehicle at 30k. I know its financially not the best thing to do, but i should be able to make the payments with the raise and commission. Am i stupid for going after i want and not need? Edit - fixed up to make sense. Was posting as i was falling asleep. Some how you guys still got what i was asking though! Edit2- salary at the moment is near 80k, but i also live in an expensive part of the world. I have been using YNAB to budget and a large portion of my salary goes to monthly bills and daily expenses. I think i could afford the payment, but it would make things a bit tight.  <response>: If you have to ask its probably not a good idea. Being financially responsible is not being a cheap bastard. 