This is a very good thread. Very interesting in what all the different members have to say. I will add that i am 23 with no debt and i also have no cobra. This is the thing though. The 2 and a half years that i have been driving the DD car i haven't been wasting payments on a GT that was never going to be what i wanted it to be. I look at it as i am suffering for a couple years to eventually get what i want (03-04 Cobra) and not be in a lot of dept doing so. I agree with the everything in moderation statement, nothing could be truer! Buy what you want, but in reason