<prompt> Human: So heres my situation...7k in unsub undergrad loan3k in sub undergrad loan20k in savingsI am currently a graduate assistant which pays tuition and 1000 a month. I also have extremely low monthly expenses:225 rent60 utilities80 food300 Car Insurance every 6 monthsI dont NEED a new or gently used car. I currently drive a perfectly fine 04 focus that does everything I need. But... Im young, have relitively low amounts of debt and feel stable. Im getting my Masters in Adult and Higher Education and from what I have researched job prospects when I graduate in a year are very good. All of these factors along with my love of european style hatchbacks makes me really wanting a new hot hatchback focus st, GTI, ect... Ive started looking at cars and feel that I can get something around 25k out the door, put down 8k and have a monthly payment of 300 which I feel I could be comfortable with. Is this a terrible idea? Should I just use my savings to pay off my unsub undergrad loans? Ive listened to a bunch of peoples opinions on this but want to know what reddits is!Thanks!  <response>: Dont take this the wrong way, but youre not as financially stable as you feel. Youre one incident away from a bad financial situation ie medical issues that prevent you from finishing your degree or working for some period of time. Also not good to spend money in anticipation of some income you expect to make in the future. 