<prompt> Human: Talk me out of it if it sounds dumb, I realize it very well might be. I have the itch to buy an Audi A3 used for around 20k. Its probably not wise, but I like the car. Heres my financial situation: Im 23 and I just moved out of my parents house just graduated. Salary: 70k Savings: 30k Retirement savings: 10k Debt: 0k I take home 4K a month and I have 2.3k after rent and living expenses. I like to save, but I want to live life. I drive a 2005 Acura now with 140k miles. No big issues with it yet knock on wood. I am thinking of maybe taking 15k in a few months and buying the car and making monthly payments for a year. Does this seem like a dumb move? Be brutally honest please. EDIT: added for info  <response>: Financially its not the stupidest thing, and I almost want to say do it.There is a cruel, cruel irony in life and it goes like this: by the time you have money for a nice car you no longer want it. Maybe you hit that rare spot in which you can afford it, still want it, and unlike 60 of people buying Audis, youre not going to have to financially stretch to do it. The st I could buy now that my younger self would scream at. Yet now I just dump money into retirement and buy t-shirts from walmart. So lame.Only do this though if you can contribute, in perpetuity and starting right now, at least 15 into retirement, no matter what. 