<prompt> Human: Is it wise to take out a loan for this once in a life time oppurtunity. On one hand I cant miss this chance to have this car, but on the other hand this could damage my credit and leave financially destroyed for alot of my life.Assistant: A 30,000 car is something you work for years to earn. It would be stunningly irresponsible to take on this kind of debt at this point in your life especially for something that will be an ongoing source of expense.Human: But this has been my dream ever since I can remember. What if i never get this oppurtunity again?  <response>: What if i never get this oppurtunity again?The one thing you can trust about life is that it will bring you plenty more opportunities to ruin your personal finances. 