I'm 23. Bought my 2019 GT1 AWD on 0% APR (72 months, $0 down, $640/month), so I'm betting against myself to not screw my career up in the next 6 years. In terms of job stability, I'm a unionized engineer for a top firm, so I think that'll be stable enough (at least until I can pay my Stinger off). I also plan on renting instead of buying a house until I find a real reason to get one like starting a family. Thankfully my dad is still paying for my insurance which is $250/month for a 23 year old in Philadelphia with a history of speeding tickets... (haven't gotten one in 5 months of owning the car). Easily 100x more fun than my first two cars, a hand-me-down 2005 Audi A6 in high school and a college clunker 2008 VW Passat ($500 trade in).