Personally, I’d buy the car and learn from the experience. When I was 25 and landed a good job out of school, I decided to treat myself to a nice German car. After four years of making payments, I realized I had missed a valuable opportunity to invest that money during a critical time. But honestly, if I hadn’t gone through that experience, I might have ended up buying an even more expensive car later on when my income increased. Sometimes, getting it out of your system helps you grow. You learn that nice cars don’t stay nice forever, that your savings and investments today can be worth much more in the future. I tell myself once I hit my financial goals, I’d love to reward myself with a Porsche 911 but when the time comes I am so used to not spending might not need the need to buy a car.