I paid $830/month for a moderately priced car at only 2.9% for a few years. 1/3 my current yearly salary in full. It wasn’t smart, but I beat inflation at that rate. That car let me and my wife travel so much in our early marriage and it was so worth it. The car is more expensive now then when I bought it.

I love that car and it brought me joy. It’s paid off now.

Tomorrow is not promised. Save for the future but don’t neglect being happy today. Go live a little.