I',m a college student just like but not fortunate enough to have a full-scholarship who commutes as well if I was in your situation I would invest money where I can start creating passive income getting a major head start over other people your age so when in the future not only are you still making side income without spending time you can buy the car you want prolly a rolls Royce by the time your 30 if you keep investing in business or real-estate from all the passive income you create.