<prompt> Human: Hey readers of rPF, I have been hard core saving for the past 5 and a half months of my money. I saved about 85-90 percent of my income. Some of it is in cash. At the end of 2018 I am looking to spend a bit money more on a nicer end car. I really dont need a car for I am living in the city and everything is accessible by train. But the reason I want to buy a car - well I am not going to lie, I want to get it and enjoy my early years of young adult and see what it has to offer. I know this sounds very privileged and etc and that I am spoiled. All this money i am spending is going to be mine. my parents do not have any trouble paying rent and bills etc, i see them like once or twice a week.The car i am planning to get is about 35k-38k sticker price. I am planning to put down 7k, which is 20 of the price if it was 35k. Then pay it off in the next 48 months, with a 0.03 Apr I would have to pay 28k 600 a month, or about 7,500 a year. Including insurance for the car that would be around 750 a month or 9000.I could realistically afford the car. I have been told if you do buy a car beware it depreciates very fast especially if its a nicer car. And also dont spend more than 10 of your monthly income.I will probably break both of those rules, the 10 of my income rule i can easily manage if its 40-50. I can control my spendings.So should i buy it or lease it?  <response>: Horrible, horrible decision. There are so many better things you could do with your money at your age then spend it all on a very expensive toy. You could use the money for college, or trade school, or even invest it. You said yourself you dont even need a car. Its your choice what you do with your money but this is one of those decisions you may come to regret. Im surprised your parents would let you do it too. 