<prompt> Human: My wife and I have two young kids 0 and 3 and a dog, and our little cars my Civic, her Mazda3 hatch just arent cutting it. Not enough room for baby stuff dog stuff our stuff... A family trip would be impossible, and even grocery shopping is tight with two strollers in the trunk.We make 10,400 per month after tax and fixed pension contributions. Here are our fixed expenses:Mortgage - 1600 Prop Tax - 400 Daycare - 1000 Food - 600 Restaurants - 400 Utilities Internet phones - 500 Kids education: 410 to max registered accounts, called RESPs in Canada After also buying things like clothing, and paying our bi-weekly cleaning lady, we usually have 4-5k left over.We live in an expensive city, and our house is worth about 750k and at age 33 we own about 60 of it. I also have about 100k in cash and liquefiable assets.I want to buy a car that costs 56,000 including tax. We currently own both of our cars outright, and the car I will be trading will get us 8k. I have saved 18k earmarked for this purchase. My plan is to borrow 30k on my home equity line of credit rate is prime 0.5, or 3.5, variable. The monthly payment would be 540 for 60 months, with the cost of borrowing being about 2900, or just under 50mo. The cost of borrowing could vary due to interest rate changes, but I also plan to make extra payments as money is available.I should also mention that I LOVE cars. I read car magazines and blogs daily, and have always enjoyed cars. Probably to a level most people would consider obsessive!I need to clear my conscience so... Can I afford it?Assistant: Honestly, I think you can afford it since youre willing to sacrifice other things, and its your passion. Most people spend more money per month on their passion then this car payment will entail. Im not seeing particularly egregious spending patterns.Youre putting down more then half, youre borrowing at a relatively low interest rate. And your personal financial situation looks pretty solid Your retirement is taken care of and you have over 400k in home equity and based on your other reply, youre keeping a large cash fund available for other things emergencies.As a fellow car guy, what car are we talkin about here?Human: Thank you! We are generally quite responsible with our money. Aside from maybe 8kyear on travels we are pretty thrifty and dont have many expensive wants.BMW X3Right now I drive a 6-speed manual 2008 Civic Si. Its not luxurious at all, but it has 197 hp at 8200 RPM and only 3000 lbs ... An absolute blast to drive! Im giving it up at the wifes request, and so she doesnt mind spending a bit extra so I can have my cake and eat it, too a family-sized practical hauler that also has a sport mode for when the family is not in the car!And thanks, this is kind of exactly what I wanted to hear! Now to erase everyone elses replies from my memory! just kidding, everyone else  <response>: X3? You could find a gently used X5 or X6 for around your price point. And those are a LOT more car for the money. 