<prompt> Human: So this is a bit of a rant, and a cry for feedback. Itll be pretty messy and I apologize. This whole situation is leaving me depressed, and feeling helpless. Which is shitty considering Im pretty good with managing my money.Let me start off that my car Ive been driving while saving was 99 suv with no air conditioning. Im 26, salary is around 45k, and has pretty good potential to go up as long my career stays steady. I have about 20k in the bank, and 5k in investments. Withdrew a big portion of my profits, left 5k in through higher risk, though atm Ive maybe lost 50though overall Im still up about 200 total but considering how volatile things are for what Im invested in, I could wake up either losing 50-90 or gaining 200 that day. Crypto-currency for those of you who are aware.Anyways, so Ive been REALLY into Mustangs, and that was the car Ive been eyeing when I went to go look at one. 2014-2015 specifically. The 2015, from a dealer I can get used for around 18-20k 20k miles. The 2014, from this one person on craigslist its going for 13k, 60k miles, premium leather seats, which overall this car at a dealer would go for 18k. The car is in great shape, literally looks new. It was owned by a college grad but was under her moms name. Issue is, the car has a loan under it still, which is 13k, and thats where my money would go when buying it from them. The whole ordeal just seemed way too risky for me though, with me wiring money to the moms account at their credit union, which they would then have a lien termination, and get the vehicle under my name. After her credit union, they explained to me that it would be safe simply because Id have the paper trail of the wire transfer, and the mom explaining that this would be me buying the car from them. Mind you the mom and daughter both seemed legit, but again, I wanted to make sure I was covered regardless. Well after that call, I said screw it and went up to my bank to do a wire transfer. Explained to the teller what was going on, and I think she could tell how unsure I was, so she suggested that I not wire 13k over to the account, and meet the mom at GE, write a check, and confirm with them that it would be under my name after. Basically have it taken care of there. Sent the mom a text back, as she was already at GE, and informed her that I will back out of the wire transfer and would prefer to do this in person at GE by check. She stated that it would need to be a cashiers check given by the branch manager, as this is what GE was actively telling hersince she was standing there with them.Ive never bought a car from a dealer, craigslist, or let alone one that has a loan on it. All these terms are new as hell to me, and the whole situation just had me lost. I owned the same car that was gifted to me during college, but the radiator went out, and the costs were just not worth it. Besides, I want something fun to drive, and its an investment I want to put towards myself. Oh, and Im also driving a rental which expires on the 19th, so need something by then.So to me, heres my choices.A. Continue on with the deal, make sure things go perfect Monday and do as much research as I can, and deal with her GE with a cashiers check and pay the 13k directly from my bank. And will have to wait for that to go through most likely.Preferred a loan, only because such a large amount hurts me more now, than owing 5 interest later down the road. Issue is, high risk loans they were wanting almost 15 interest for 60 months, which after the math is almost 5.8k extra tacked on.B. Get a newer year mustang at a dealer at the average price, 20k. With interest of 3.5Prequalified with one bank so I can bring that to the dealer not have to deal something personally owned, have a warranty, and not have to pay such a huge chunk upfront.C. Go back to my old habit, buy something cheaper around the 5k range, either from craigslist or finance a cheaper car worth around 10k and just suck it up that Im not getting the car I want. Financially this is obviously the smartest option, but again, I want to get myself a nice car. Ive drove shit for 7 years, and told myself that Id only get the car I want, when I can afford it. Which fortunately isnt something thats 30k but 13k-20kSo yeah, any feedback on this would be much appreciated. Felt better than I expected typing all this out. Thank you!  <response>: This all sounds like a terrible idea.Youre speculating on crypto read: not investing, dont have any real investments, and want to spend a third of your salary on a sports car that is going to have godawful mileage and will end up with a big insurance premium payment...Im not trying to berate you, Im just being dead serious.The majority of people here are going to tell you this is a stupid idea, and a small percentage will say youre young have fun, but really only you are going to make the choice.P.S. the reason lightly used sports cars are relatively cheap is because theyre so often impulse buys from people that realize a year later oh god why did I buy this thing 