<prompt> Human: Please dont tell me it would be a stupid decision to spend that much on a car if your not a car enthusiast you just wont understand. Im 22 still living at home and of course I dont want to be broke just to afford this car but realistically is it achievable? I have zero expenses apart from clothes, fuel, phone bill, personal items etc  <response>: Its not stupid to spend 40 thousand on a car but it might be stupid for a 22 year old who lives at home to spend 40 thousand on a car. Especially one who needs to ask a question like this.Payments on a 40k loan is 721month for 60 months. You can lower the payment by putting a down payment. Ask your parents for guidance on how you can afford this. 