<prompt> Human: Hey Personal Finance, I need your help playing devils advocate for me. Im looking at buying a 2013 Genesis Coupe GT that will come be around 15K pre-tax. I currently hold a position that that guarantees me 50K per year with some commission that could put me into the 70K a year bracket. Im trying to be logical and justify my purchase. Is this too much to be spending at this time? I am living at home for the next 3 months and will be able to throw nearly my whole paycheck at the loan to get it down to a reasonable number or pay it off completely I have no major expenses atm but will be apartment shopping in the new year for something within my budget. I am a bit of a car guy and having a nice car is something I value a lot. For my job I work from home so it will mostly be pleasure driving for the foreseeable future even after I move out. Personal Finance If I buy a 15K car put 5k down off the bat and try to pay back the loan in 3 months is this a good idea. I have already maxed my TFSA for the yearSide note the car im happy with is 14.5K The car i really want it 15.5KAssistant: Why not just wait the three months and buy it in cash? Its not horrendously irresponsible to get a car that price on your income if youre living at home rent free but I just dont see what the rush is.Human: I can buy it cash now but would rather invest the money as well as build my credit score for when i want a mortgage  <response>: Paying a car loan over 3 months investing the difference will provided an insignificant amount of 1 credit score increase and 2 investment return.You are way better of buying in cash in this situation. 