My friend who took months to repay me a $100 is now looking for a 2005 BMW 530I. It amazes me, just months ago she was on the verge of loosing it (literally) then she had to obtain a part-time job just to play catch up, now she is looking at a $40,000 car. It just does not make any sense to me. She just put close to if not more $5000 on a cc because there were some things she wanted for her house (mind you wanted not needed) and now she is looking at this car. I can't figure it out. I said to her the $400 to $600 you'll be spending on a car every month why not pay it on your house and pay your house off early. Her answer was in the next few years she will refinance to from 20 to 30 years any way I think it's is all a mistake in getting this car but that is what she wants. Maybe set that money aside for your kids college. It amazes me how people will spend $40,000 on a car and no money set aside for retirement or a college fund for their kids