<prompt> Human: I made 49,000 last year. This year should be 60-70k maybe. I usually save 1000mo roughly. But just bought a house. Currently own two cars, a jeep and a old Miata. Owe 4K on the jeep. I really want to use the Miata 3000 as a down payment in a 2011ish 5.0 mustang gt for 17-19k. Id finance it for 5 years but pay it off in 2-3. I have no other debt, except my townhouse. I know its a terrible personal financial decision, but as a 26 year old with no debt, no kids, and a passion for motor sports, am I really making that bad a choice? Insurance would go up, fuel costs would go up but I only commute 5 miles to work. Selling the jeep isnt an option. I love it too much.  <response>: Owe 4K on the jeep. I have no other debt, except my townhouse. but as a 26 year old with no debtUhh, you sure about that? 