Struggling with justifying weekend car

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I've been wanting a weekend car for a few years at this point, something fun to drive and wrench on. I'm thinking a TJ jeep or a Miata; both of which would be under 10k and less than ~$120 a month in insurance from what I've been quoted.

Current household stats:
Age: 28
Income: 260k (150k me, 110k fiancée)
Savings: 432k (290k retirement, 120k house savings, 22k emergency fund)
Rent: 1900
Debt: 16.5k student loans, 2.5% interest

Just looking at the numbers, I can easily afford it at our income, but I can't help but feel like it's a frivolous purchase. It's so hard to justify, but it's something I've wanted for as long as I can remember. Everyone in my life is supportive and they keep telling me to buy one, but when it actually comes to plunking the money down, I just can't do it. Over the past few years I've surfed FB marketplace and found good deals but I can't pull the trigger.

We both max out 401k and IRAs and we've paused on home buying for the foreseeable future but we're still allocating around 2k a month for it. I'd likely pull the money from the house fund since it's just sitting at the moment.

Posted May 5, 2025, 12:38 AM UTC

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