<prompt> Human: I make 23kyr at my current job which doesnt give extra pay for overtime, only time off. I currently leave my house at 7 and get home at 7 3 and a half hours travel time a day travelling to London 40minsday drive so I am willing to work my ass off to pay for it and considering working somewhere more local what allows that or asking my current place for a pay-rise. I am basically the last of my blood line and spoiled by my family which they have agreed to loan me the money so I would not pay the extortionate APR prices for cars or worry about missing payments which I wont and I was thinking of paying them back over 2-3 years, maybe 5 which would be quite easy to keep up but I would like to pay them back ASAP. I understand this is a stupid decision for someone with my age income and I could go get a flat to rent it or invest in some other way but Im basically just considering all of my options for after the EU referendum and would greatly appreciate outside opinions.Just some more info about me: I love cars, all of my friends have 20k-40k cars I would most likely go on a few track days with them. I have considered moving out but dont see it to be worth it until I at least have a responsible personGirlfriend to share a place with. I dont have any issues living at home I pay for my own food and help out with chores with a good relationship with parents.My monthly outgoings are 46 Phone, 60 Fuelwould be about 180, 150 Train, 250 Food, 180 Entertainment, Which is currently 690 Total. If I was to get the car it would be about 1027 over 3 years leaving me 200 for any unexpected expensiveness.1920 incomeThanks in advance.Assistant: Two years into owning the car youre not going to care if you have that car or any other car, and youre still going to be paying on it. Youre also going to mature a bit between 20-22 and your priorities will probably change a bit.There is a probable chance that youre going to regret this in the future, and only a slight chance that you will ever regret not buying it.Human: I know youre right but in my mind its kind of tunnel visioned, Im trying to talk myself out of it but its all I want and can see myself wanting in the next few years.  <response>: This is why young people get into financial trouble. They make bad decisions because they cant help themselves. 