<prompt> Human: Hi people of PF, let me introduce you to my situation. Im a bit of a car enthusiast, looking buy a Subaru for 20k, as Ive always wanted to own one. I currently have 10k cash and would look to take out a 10k loan. I will be working full-time 12hr with barely any expenses to pay besides foodgas as Im currently living at home. For the next 6 months I will be working full time and will net 7000 towards that loan with expenses already deducted. Now I know alot of financial naysayers will claim spending more than 5k on a car is a waste of money, but there must be a balance between wants and needs of different individuals. While I do have 10k cash that can be spent on a cheap little Hondabeater car, at the end of the day if its a true possibility, it would make me much happier in life as a car enthusiast to have a car that Im satisfied with, and can have fun driving everyday.Assistant: As a car enthusiast myself, I honestly wouldnt do it. But thats just me. All that financial debt because of a car would ruin the joy of it for me. Insurance is going to be sky high Depending your age Personally I would shoot for something a little more affordable and wait until I got a higher paying job even it its even 5 years down the road.Theres still pretty good cars for around 10 grand too. Hell I used to have an 07 Civic SI for 8 grand, and that car was a blast! If you do go through with it, just remember that 20,000 dollars is a lot of work hours. But if its what you want. I cant stop you Human: My parent actually has offered to pay all my insurance, so Id only be responsible for the 10k or so loan itself. Does that make it any better?Assistant: If you think you will have a stable full time job for years to come. And the only thing in your way is that loan payment. You definitely could. But Subaru pretty much will be your life. No video games, Movies, money to spend on the gf. Only Subaru Subaru will be life. Just make sure its an STI ; Human: Its only a WRX bro I cant afford an STI :I look at it this way. Im working full time for the next 5 months Ill take 7000 of that loan. 5 months I have no life. 3000 remains to be paid off, could be paid off slowly at 300 per month and Id still have money to spend afterwards.  <response>: Im working full time for the next 5 months Ill take 7000 of that loan.Be careful of this type of thinking. Youre counting your chickens before they hatch. 