<prompt> Human: So I currently have a 2008 Golf City, bought it for 6k used 2 years ago. It doesnt need replacing but I really want a brand new Golf, and the Golf R is my dream car.I have about 30k in savings, 10k of which is not on the table. Im 21, work seasonal for 15hr, avg 40-45 hours a week April-October. Paychecks are bi-weekly usually between 900-1000. Rent and living expenses are 750 a month. So that leaves me with about 1000 a month buffer.If I chose to buy a TSI with a couple upgrades like heated seats and climate system I could put down 15k and then finance for like 400-500 a month for like 1 or 2 years and have it paid off. Insurance would be 200 a month and gas would be 100If I bought a Golf R, which comes standard with all the bells and whistles I want, I could put 15k down and finance for 500 a month for 5 years with decent luck. Insurance would be maybe 250 a month and gas would probably be 120-150 a month depending on the gas I put in it.I really am not experienced at all in terms of purchasing a new vehicle, nor do I understand financing completely everywhere I read, people are talking about car loans, I shouldnt need one if I have the money correct? and Im unsure of whether buying a new car is a good idea in the first place. Im a single male with no plans of ever having children, and like 99 sure I wont buy a house either, so I have that going for me right?Ive talked about it alot with my coworkers and friends and Ive gotten a lot of why nots and if youre gonna buy a new car and finance it over a long period of time, why not get exactly what you want and not settle which is why Im leaning towards an R. But I dont know if thats a naive mistake to make and I should be saving for something in the future. If so, what? The way I see it, I have 20k sitting around not doing anything for me, what harm is getting something that will make me immensely happy?EDIT: Ok Im starting to realize that the R is definitely a not right now thing. But I do plan on keeping this car I buy now if I buy until I either run it into the ground or Im in my 30s.But I do appreciate the harsh truth I guess.  <response>: So it sounds like you know what you want to do and youre looking for justification to do it. However this is the wrong place to get that justification because buying a new car, especially a fancy new car, is almost always a poor financial decision in the long run. If you have 20k sitting around, your best bet would be to invest it and save for the future. Sure, 21 year old you doesnt plan on having kids or buying a house, but 30 year old you will be very different. 30 year old you will wish you had money for a down payment on a decent house so you could have a kid or a second kid and think about how stupid it was for 21 year old you to blow 35 or 40k on a car that you sold for 8k 5 years later. 