<prompt> Human: Ive had a car that Ive wanted to buy for a while now. Its about 25,000 brand new. Current job pays around 45,000, and I am currently 27. I have no current obligations. I am already contributing to my ROTH IRA, and savings around 10,000.  <response>: Yes, this is stupid. Spending more than half of your gross income on any single expense is a horrible idea, let alone something youll spend 5 of your time using. 